Exhibit 99.1 Schedule 5
| |
| Supplemental Data |
| Run Date - 8/18/2026 8:58:27 AM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| 223626601 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,925.00 | $4,575.66 | 8.113% | $2,118.57 | $2,118.57 | 7.990% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Venezuela (Bolivarian Republic of) | Venezuela (Bolivarian Republic of) | $9,330.16 | 1 | [redacted] | $1,286.88 | [redacted] | $107.24 | 31.667% | 31.667% | 31.667% | [Redacted] | 762 | No | Yes | 24 | Personal, Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,925.00 | 6.920% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $81,213.72 | 23.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 10.65 | No | $8,031.97 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224387936 | [Redacted] | [Redacted] | N/A | No | No | $1,936.73 | $1,936.73 | 5.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,297.08 | [redacted] | $108.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 240 | [redacted] | $131,810.73 | 27.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224732260 | [Redacted] | [Redacted] | N/A | No | No | $1,843.75 | $1,843.75 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,170.96 | [redacted] | $97.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.4 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 224943147 | [Redacted] | [Redacted] | N/A | No | No | $2,189.78 | $2,189.78 | 6.375% | No | No | Foreign National | 1 | [redacted] | $3,146.64 | [redacted] | $262.22 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.5 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | No | 113.54 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225102606 | [Redacted] | [Redacted] | N/A | No | No | $1,744.66 | $1,744.66 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,856.00 | [redacted] | $238.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225114376 | [Redacted] | [Redacted] | N/A | No | No | $738.38 | $738.38 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,568.04 | [redacted] | $130.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $59,990.05 | 45.440% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225199650 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,431.80 | $7,349.47 | 7.785% | $3,248.77 | $3,248.77 | 7.625% | No | No | Non-Employment Income | US Citizen | $5,870.57 | 1 | [redacted] | $2,463.00 | [redacted] | $205.25 | 46.050% | 46.050% | 46.050% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $6,431.80 | 6.130% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $302,205.90 | 55.960% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225209375 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,523.25 | $16,805.85 | 8.428% | $3,023.90 | $3,023.90 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $8,060.63 | 1 | [redacted] | $1,488.96 | [redacted] | $124.08 | 45.963% | 45.963% | 45.963% | [Redacted] | 689 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,523.25 | 6.100% | $0.00 | 3.2 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,841.93 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 54.41 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225210119 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,904.00 | $4,591.65 | 7.415% | $1,867.46 | $1,867.46 | 7.250% | No | No | Employed | US Citizen | $7,012.98 | 1 | [redacted] | $528.00 | [redacted] | $44.00 | 48.203% | 48.203% | 48.203% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,904.00 | 6.100% | $8,694.00 | 1.4 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $132,733.03 | 36.360% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.36 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 01/03/2027 | $12,032,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225212529 | [Redacted] | [Redacted] | N/A | No | No | $1,208.83 | $1,208.83 | 6.500% | No | No | US Citizen | 1 | [redacted] | $1,241.52 | [redacted] | $103.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $3,153.86 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225238374 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $15,826.50 | $1,397.91 | 7.140% | $4,941.73 | $4,941.73 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,400.03 | 1 | [redacted] | $1,715.04 | [redacted] | $142.92 | 30.169% | 30.169% | 30.169% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - Year Not Available [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,826.50 | 5.990% | $24,450.00 | 4.1 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $172,401.21 | 21.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.55 | No | $11,026.66 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225245060 | [Redacted] | [Redacted] | N/A | No | No | $25,595.00 | $8,853.25 | 6.666% | $2,507.73 | $2,507.73 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $20,197.00 | 2 | [redacted] | $1,694.04 | [redacted] | $141.17 | 47.421% | 47.421% | 47.421% | [Redacted] | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,595.00 | 5.990% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $443,785.98 | 83.890% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.65 | No | No | $38,412.47 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225250453 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $7,304.27 | 7.357% | $3,151.65 | $3,151.65 | 7.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $11,865.60 | 1 | [redacted] | $947.04 | [redacted] | $78.92 | 28.037% | 28.037% | 28.037% | 745 | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.130% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $542,394.89 | 88.050% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.96 | No | $0.00 | $16,488.53 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225250659 | [Redacted] | [Redacted] | N/A | No | No | $2,085.82 | $2,085.82 | 6.500% | No | No | US Citizen | 1 | [redacted] | $908.04 | [redacted] | $75.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $761,060.86 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.12 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225257794 | [Redacted] | [Redacted] | N/A | No | No | $1,490.00 | $4,438.74 | 6.668% | $3,368.04 | $3,368.04 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,900.54 | 1 | [redacted] | $4,820.04 | [redacted] | $401.67 | 48.215% | 48.215% | 48.215% | [Redacted] | 744 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.990% | $0.00 | 1.4 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.49 | No | No | $10,978.69 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225257837 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,092.57 | 6.851% | $1,848.50 | $1,848.50 | 6.750% | No | No | Employed | US Citizen | $2,679.02 | 1 | [redacted] | $2,502.96 | [redacted] | $208.58 | 52.994% | 52.994% | 52.994% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.100% | $0.00 | 1.0 | None | No | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $184,650.31 | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258168 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,243.88 | $2,038.65 | 8.901% | $2,094.54 | $2,094.54 | 8.875% | No | No | Self-Employed | US Citizen | $5,660.96 | 1 | [redacted] | $1,460.04 | [redacted] | $121.67 | 30.889% | 30.889% | 30.889% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,243.88 | 5.980% | $11,500.00 | 1.0 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,500.00 | 0.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258361 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $16,110.59 | 7.598% | $6,366.64 | $6,873.26 | 7.908% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,707.93 | 1 | [redacted] | $1,889.04 | [redacted] | $157.42 | 45.653% | 42.817% | 45.653% | [Redacted] | 681 | No | Yes | 12 | Business | 53.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 5.920% | $0.00 | 1.4 | None | Yes | No | 7.908% | 0 | 1 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $15,792.92 | No | 14 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.02 | No | $0.00 | $8,333.34 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225258751 | [Redacted] | [Redacted] | N/A | No | No | $5,614.83 | $5,614.83 | 6.375% | No | No | US Citizen | 1 | [redacted] | $11,760.36 | [redacted] | $980.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.69 | 0.37 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 61.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225278370 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,940.00 | $10,910.43 | 6.862% | $1,706.58 | $1,706.58 | 6.500% | No | No | Self-Employed | US Citizen | $3,330.10 | 1 | [redacted] | $1,325.52 | [redacted] | $110.46 | 49.542% | 49.542% | 49.542% | [Redacted] | 725 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $5,940.00 | 6.100% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225287263 | [Redacted] | [Redacted] | N/A | No | No | $3,505.00 | $4,877.38 | 7.099% | $1,231.74 | $1,231.74 | 6.875% | No | No | Not Employed | Employed | Employed | 3.29 | US Citizen | US Citizen | $12,395.81 | 1 | [redacted] | $1,145.04 | [redacted] | $95.42 | 43.154% | 43.154% | 43.154% | [Redacted] | 761 | 789 | 753 | 774 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,505.00 | 6.100% | $0.00 | 2.5 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | [redacted] | $379,526.24 | 100.000% | No | 25 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 179.03 | No | No | $0.00 | $21,806.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225298023 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,108.68 | 7.171% | $3,872.92 | $5,076.74 | 7.658% | No | No | Non-Employment Income | US Citizen | $7,282.56 | 1 | [redacted] | $2,521.92 | [redacted] | $210.16 | 50.833% | 42.706% | 50.833% | [Redacted] | 754 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 5.920% | $0.00 | 3.0 | None | No | No | 7.658% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | Other | 360 | [redacted] | $1,147,878.22 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 03/03/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225330493 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,550.00 | $7,257.54 | 7.408% | $2,701.42 | $2,701.42 | 7.250% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $7,125.06 | 1 | [redacted] | $4,856.88 | [redacted] | $404.74 | 41.653% | 41.653% | 41.653% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,550.00 | 5.980% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 | No | [redacted] | $22,733.69 | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card, VISA | No | 5.87 | No | No | $0.00 | $4,075.51 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225358475 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,346.46 | 6.011% | $5,420.12 | $5,420.12 | 5.990% | No | No | Employed | Employed | US Citizen | US Citizen | $22,902.69 | 1 | [redacted] | $1,287.00 | [redacted] | $107.25 | 33.696% | 33.696% | 33.696% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 5.990% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,107,280.89 | 77.430% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.92 | Yes | No | $0.00 | $16,250.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225361102 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,197.78 | $10,999.28 | 7.833% | $2,228.75 | $2,228.75 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | El Salvador | $5,145.36 | 1 | [redacted] | $1,805.04 | [redacted] | $150.42 | 39.171% | 39.171% | 39.171% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,197.78 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $23,402.65 | 5.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 20.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225373280 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,077.03 | 7.427% | $3,065.22 | $3,065.22 | 7.375% | No | Yes | Not Employed | Non-Employment Income | US Citizen | US Citizen | $21,461.83 | 1 | [redacted] | $874.44 | [redacted] | $72.87 | 0.000% | 0.000% | 0.000% | 753 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 1 | 0 | 0 | [Redacted] | $1,590.00 | 5.990% | $0.00 | 3.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,104,412.66 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 391.56 | No | No | $43,841.93 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225380961 | [Redacted] | [Redacted] | N/A | No | No | $1,391.64 | $1,391.64 | 7.250% | No | No | 0 | US Citizen | Not Provided | 2 | [redacted] | $1,563.96 | [redacted] | $130.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $79,293.59 | 31.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225404294 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,616.36 | $6,408.24 | 6.942% | $1,242.20 | $1,242.20 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,136.89 | 1 | [redacted] | $1,158.00 | [redacted] | $96.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,616.36 | 5.980% | $5,000.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $957,843.77 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 521.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225405988 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,827.50 | $16,389.69 | 6.668% | $5,549.56 | $5,549.56 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,655.71 | 1 | [redacted] | $5,423.88 | [redacted] | $451.99 | 47.552% | 47.552% | 47.552% | [Redacted] | 826 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $9,827.50 | 5.980% | $7,000.00 | 4.2 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | [redacted] | $1,107,583.91 | 75.600% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 139.24 | Yes | No | $8,136.12 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225412846 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,479.38 | $6,516.11 | 8.116% | $3,894.42 | $3,894.42 | 7.990% | No | Yes | Employed | Employed | US Citizen | US Citizen | $12,366.43 | 1 | [redacted] | $1,692.96 | [redacted] | $141.08 | 41.022% | 41.022% | 41.022% | [Redacted] | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,479.38 | 6.120% | $0.00 | 1.0 | DU | ApproveIneligible | No | No | 7.990% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 12 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.5 | No | No | $0.00 | $15,254.46 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225413751 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,702.12 | $13,730.16 | 7.262% | $3,349.74 | $3,349.74 | 6.990% | No | No | Self-Employed | US Citizen | $14,906.03 | 1 | [redacted] | $2,669.04 | [redacted] | $222.42 | 39.328% | 39.328% | 39.328% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $12,702.12 | 6.020% | $0.00 | 1.0 | None | N/A | No | 6.990% | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $23,583.01 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225413754 | [Redacted] | [Redacted] | N/A | No | No | $36,570.00 | $2,923.46 | 7.096% | $3,778.67 | $5,685.63 | 7.654% | No | No | Not Employed | Employed | US Citizen | $19,096.51 | 4 | [redacted] | $11,895.96 | [redacted] | $991.33 | 31.564% | 24.730% | 31.564% | [Redacted] | 790 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $36,570.00 | 5.930% | $17,000.00 | None | No | No | 7.654% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $237,305.58 | 27.210% | No | 26 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.05 | No | No | $0.00 | $27,904.17 | No | No | No | No | 2 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225414183 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $2,590.00 | $3,245.40 | 7.685% | $664.63 | $711.12 | 7.673% | No | No | Non-Employment Income | US Citizen | $3,165.18 | 1 | [redacted] | $3,235.80 | [redacted] | $269.65 | 47.260% | 48.562% | 47.260% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; Account Statements - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,590.00 | 6.140% | $0.00 | 1.9 | None | Yes | No | 7.673% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [redacted] | $183,628.73 | 90.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225415478 | [Redacted] | [Redacted] | N/A | No | No | $28,178.25 | $12,077.71 | 7.084% | $2,276.58 | $2,276.58 | 6.750% | No | No | Not Employed | Employed | Permanent Resident Alien | $6,224.30 | 1 | [redacted] | $1,070.04 | [redacted] | $89.17 | 42.521% | 42.521% | 42.521% | [Redacted] | 755 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $28,178.25 | 6.130% | $0.00 | 2.5 | None | No | No | 6.750% | 0 | 3 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | No | 24 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 65.31 | No | No | $0.00 | $9,455.72 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225422521 | [Redacted] | [Redacted] | N/A | No | No | $3,160.35 | $3,160.35 | 6.500% | No | No | US Citizen | 1 | [redacted] | $2,310.00 | [redacted] | $192.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225424101 | [Redacted] | [Redacted] | N/A | No | No | $32,927.50 | $2,321.99 | 6.659% | $4,038.76 | $4,038.76 | 6.625% | No | No | Not Employed | Employed | US Citizen | $33,191.10 | 1 | [redacted] | $5,337.36 | [redacted] | $444.78 | 20.706% | 20.706% | 20.706% | [Redacted] | 775 | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - No Results Returned - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $32,927.50 | 5.990% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $710,348.33 | 84.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.89 | No | No | $18,108.47 | $23,750.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225424742 | [Redacted] | [Redacted] | N/A | No | No | $9,187.50 | $9,187.50 | 6.125% | No | No | 0 | 0 | US Citizen | US Citizen | Not Provided | 1 | [redacted] | $11,778.00 | [redacted] | $981.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | 809 | 815 | 812 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | 240 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 107.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225426991 | [Redacted] | [Redacted] | N/A | No | No | $8,270.63 | $9,697.48 | 7.237% | $2,537.23 | $2,537.23 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $18,240.61 | 1 | [redacted] | $958.92 | [redacted] | $79.91 | 36.513% | 36.513% | 36.513% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,270.63 | 6.120% | $0.00 | 999.0 | None | No | No | 6.990% | 2 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $370,038.85 | 72.690% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.57 | No | No | $0.00 | $15,000.03 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225429707 | [Redacted] | [Redacted] | N/A | No | No | $8,173.13 | $8,173.13 | 6.750% | No | No | US Citizen | 1 | [redacted] | $22,652.04 | [redacted] | $1,887.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | 240 | [redacted] | $64,429.02 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225430065 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,154.80 | $6,333.48 | 10.426% | $1,215.69 | $1,215.69 | 9.875% | No | No | Employed | Non-Permanent Resident Alien | $3,414.33 | 1 | [redacted] | $1,217.04 | [redacted] | $101.42 | 39.931% | 39.931% | 39.931% | [Redacted] | 669 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,154.80 | 5.990% | $19,741.72 | 1.0 | None | Yes | No | 9.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $36,720.62 | 20.980% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.11 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225430970 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $7,340.43 | 6.925% | $9,591.16 | $9,591.16 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $30,061.80 | 1 | [redacted] | $2,804.04 | [redacted] | $233.67 | 32.099% | 32.099% | 32.099% | [Redacted] | 805 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.120% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $4,105,800.73 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 316.43 | No | No | $1,749.29 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225434801 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,998.00 | $8,116.13 | 7.770% | $2,153.58 | $2,153.58 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $5,717.23 | 1 | [redacted] | $3,031.68 | [redacted] | $252.64 | 38.831% | 38.831% | 38.831% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,998.00 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.95 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225440383 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $1,677.09 | 6.892% | $10,208.33 | $16,300.56 | 7.654% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $20,894.45 | 1 | [redacted] | $8,675.04 | [redacted] | $722.92 | 48.243% | 33.152% | 48.243% | [Redacted] | 811 | Yes | No | [Borrower - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,195.00 | 5.930% | $0.00 | 1.0 | None | No | No | 7.654% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,334,043.56 | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.56 | No | $11,263.22 | $22,916.68 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225443724 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,800.00 | $13,676.75 | 7.170% | $5,084.43 | $5,084.43 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Costa Rica | $45,976.71 | 1 | [redacted] | $2,787.96 | [redacted] | $232.33 | 26.784% | 26.784% | 26.784% | [Redacted] | 672 | No | Yes | 12 | Business | 100.000% | 45.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,800.00 | 6.020% | $4,500.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $587,143.51 | 46.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization, Passport | 7.12 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225452139 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,179.03 | $5,136.80 | 8.381% | $2,034.05 | $2,034.05 | 8.250% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $3,671.87 | 1 | [redacted] | $974.04 | [redacted] | $81.17 | 49.396% | 49.396% | 49.396% | [Redacted] | 709 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,179.03 | 6.220% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $104,454.99 | 32.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 15.81 | No | $2,923.69 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225452475 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,444.48 | $4,292.70 | 7.931% | $1,376.23 | $1,376.23 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $2,509.99 | 1 | [redacted] | $818.04 | [redacted] | $68.17 | 41.899% | 41.899% | 41.899% | [Redacted] | 767 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $6,444.48 | 6.220% | $10,000.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $44,641.83 | 19.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 3.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225452603 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,982.50 | $9,534.34 | 7.022% | $7,909.11 | $7,909.11 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $64,501.36 | 1 | [redacted] | $3,208.20 | [redacted] | $267.35 | 20.099% | 20.099% | 20.099% | [Redacted] | 766 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,982.50 | 6.020% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $8,729,978.29 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | 858.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225460251 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,705.80 | $10,612.30 | 7.187% | $2,879.18 | $2,879.18 | 6.990% | No | No | Self-Employed | US Citizen | $8,757.28 | 1 | [redacted] | $2,697.12 | [redacted] | $224.76 | 34.763% | 34.763% | 34.763% | [Redacted] | 731 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,705.80 | 6.120% | $0.00 | 1.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $170,952.59 | 29.990% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225460405 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,899.38 | $7,782.87 | 6.887% | $2,806.81 | $2,806.81 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $5,573.64 | 1 | [redacted] | $2,249.04 | [redacted] | $187.42 | 42.443% | 42.443% | 42.443% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,899.38 | 6.130% | $17,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $207,336.81 | 35.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 25.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225460550 | [Redacted] | [Redacted] | N/A | No | No | $7,560.18 | $7,560.18 | 6.990% | No | No | 0 | US Citizen | US Citizen | 4 | [redacted] | $5,331.24 | [redacted] | $444.27 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225462752 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,694.84 | $22,209.53 | 9.074% | $8,904.86 | $8,904.86 | 8.875% | No | No | Self-Employed | US Citizen | $27,265.44 | 1 | [redacted] | $8,347.44 | [redacted] | $695.62 | 30.935% | 30.935% | 30.935% | [Redacted] | 687 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - C-Corp]; CPA Letter - 2026 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,694.84 | 6.140% | $45,000.00 | 1.0 | DU | ApproveIneligible | Yes | No | 8.875% | 0 | 1 | 0 | 1 | 1 | No | HELOC | No | [redacted] | $294,514.68 | 21.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463538 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,399.38 | $5,658.14 | 8.355% | $1,080.36 | $1,080.36 | 7.990% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $18,931.44 | 1 | [redacted] | $908.04 | [redacted] | $75.67 | 29.375% | 29.375% | 29.375% | [Redacted] | 681 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,399.38 | 6.020% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $935,960.39 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 580.11 | No | No | $26,805.42 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225463818 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,164.50 | $10,065.69 | 7.147% | $3,389.62 | $3,389.62 | 6.990% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $6,329.17 | 1 | [redacted] | $2,055.96 | [redacted] | $171.33 | 42.267% | 42.267% | 42.267% | [Redacted] | 772 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,164.50 | 5.980% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 28.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225465748 | [Redacted] | [Redacted] | N/A | No | No | $22,355.00 | $9,559.03 | 6.990% | $2,179.29 | $2,179.29 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $13,271.58 | 1 | [redacted] | $639.96 | [redacted] | $53.33 | 35.482% | 35.482% | 35.482% | [Redacted] | 811 | No | Yes | 12 | Business | 79.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $22,355.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $17,501.50 | 4.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.14 | No | No | $20,570.47 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466155 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,443.28 | $12,171.20 | 8.167% | $1,585.46 | $1,587.74 | 7.640% | No | No | Employed | US Citizen | $7,317.17 | 1 | [redacted] | $1,038.00 | [redacted] | $86.50 | 49.825% | 51.778% | 49.825% | [Redacted] | 662 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,443.28 | 6.200% | $283.44 | 1.4 | None | No | No | 7.640% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $113,728.99 | 37.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 01/01/2026 | $9,879,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466156 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,940.00 | $6,838.66 | 6.604% | $1,559.67 | $1,559.67 | 6.375% | No | No | Employed | US Citizen | $7,421.86 | 1 | [redacted] | $1,833.00 | [redacted] | $152.75 | 28.291% | 28.291% | 28.291% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,940.00 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466157 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,882.50 | $1,294.25 | 7.614% | $2,707.31 | $2,707.31 | 7.625% | No | No | Self-Employed | US Citizen | $12,863.28 | 1 | [redacted] | $999.00 | [redacted] | $83.25 | 22.196% | 22.196% | 22.196% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,882.50 | 6.220% | $15,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $19,815.50 | 4.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 13.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466762 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,772.40 | $6,063.98 | 8.411% | $6,137.51 | $6,137.51 | 8.375% | No | No | Self-Employed | US Citizen | $194,281.47 | 1 | [redacted] | $3,393.96 | [redacted] | $282.83 | 10.053% | 10.546% | 10.053% | [Redacted] | 680 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,772.40 | 6.200% | $30,000.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $174,201.59 | 18.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469411 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,747.79 | $10,752.22 | 7.560% | $3,744.53 | $4,093.19 | 7.896% | No | No | Non-Employment Income | US Citizen | $10,937.08 | 1 | [redacted] | $5,139.00 | [redacted] | $428.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,747.79 | 6.110% | $0.00 | 3.0 | None | No | No | 7.896% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | [redacted] | $1,211,230.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 354.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 03/27/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469419 | [Redacted] | [Redacted] | N/A | No | No | $35,270.00 | $13,931.13 | 7.130% | $3,103.99 | $3,103.99 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $40,302.57 | 1 | [redacted] | $609.96 | [redacted] | $50.83 | 20.751% | 20.751% | 20.751% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; Employer Letter - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $35,270.00 | 6.220% | $10,000.00 | 999.0 | None | No | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 2 | No | [redacted] | $1,480,050.36 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 281.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225469848 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,751.24 | 7.590% | $2,141.83 | $2,141.83 | 7.500% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $4,923.63 | 1 | [redacted] | $1,632.00 | [redacted] | $136.00 | 35.878% | 35.878% | 35.878% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.120% | $598.50 | None | No | No | 7.500% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $126,336.16 | 32.990% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Risk Score Classic 04 | Passport | 32.59 | No | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225470376 | [Redacted] | [Redacted] | Non QM | Yes | No | $54,251.20 | $77,719.65 | 7.740% | $22,102.51 | $23,545.84 | 7.899% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $31,254.55 | 1 | [redacted] | $9,833.04 | [redacted] | $819.42 | 49.766% | 47.446% | 49.766% | [Redacted] | 745 | Yes | Yes | 24 | Personal, Business | 74.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $54,251.20 | 6.040% | $6,500.00 | None | N/A | No | 7.899% | 0 | 3 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Other | [redacted] | $1,172,957.23 | 28.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.92 | Yes | No | $0.00 | $13,184.19 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473481 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,946.25 | $8,948.25 | 7.491% | $2,542.21 | $2,712.18 | 7.643% | No | No | Non-Employment Income | US Citizen | $17,301.76 | 1 | [redacted] | $953.04 | [redacted] | $79.42 | 28.455% | 27.752% | 28.455% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,946.25 | 5.930% | $0.00 | 1.5 | None | Yes | No | 7.643% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,590,818.23 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 244.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473488 | [Redacted] | [Redacted] | N/A | No | No | $33,320.00 | $7,339.71 | 7.347% | $3,915.69 | $3,915.69 | 7.250% | No | No | Self-Employed | US Citizen | $1,179,383.83 | 1 | [redacted] | $5,585.52 | [redacted] | $465.46 | 14.087% | 14.087% | 14.087% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $33,320.00 | 6.430% | $0.00 | 1.4 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | No | [redacted] | $804,232.37 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 169 | No | No | $0.00 | $0.00 | No | No | No | No | 17 | 360 | AH | 04/10/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473512 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $10,250.82 | 7.582% | $6,108.34 | $6,108.34 | 7.500% | No | No | Self-Employed | US Citizen | $10,399.48 | 1 | [redacted] | $6,140.64 | [redacted] | $511.72 | 49.665% | 49.665% | 49.665% | [Redacted] | 715 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.430% | $8,000.00 | 3.7 | None | Yes | No | 7.500% | 0 | 1 | 0 | 2 | 1 | No | [redacted] | $251,817.70 | 22.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 04/10/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473515 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,232.08 | $5,612.43 | 7.932% | $4,466.43 | $4,466.43 | 7.875% | No | No | Self-Employed | US Citizen | $11,799.82 | 1 | [redacted] | $1,866.36 | [redacted] | $155.53 | 47.568% | 47.568% | 47.568% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,232.08 | 6.120% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $25,000.00 | 3.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473775 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $4,843.05 | 7.445% | $4,306.81 | $4,706.77 | 7.893% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,468.25 | 1 | [redacted] | $2,817.00 | [redacted] | $234.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,095.00 | 6.040% | $0.00 | 1.0 | None | Yes | No | 7.893% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $942,045.57 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 307.44 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225475505 | [Redacted] | [Redacted] | N/A | No | No | $2,022.52 | $2,022.52 | 7.000% | No | No | US Citizen | 1 | [redacted] | $1,229.04 | [redacted] | $102.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.02 | [redacted] | $257,028.92 | 67.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225475516 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $10,237.50 | $12,412.56 | 8.115% | $3,458.58 | $3,458.58 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,429.95 | 1 | [redacted] | $3,402.96 | [redacted] | $283.58 | 49.513% | 49.513% | 49.513% | [Redacted] | 683 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,237.50 | 6.430% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $86,307.75 | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.21 | No | $0.00 | $6,435.80 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225476062 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,984.00 | $10,056.47 | 7.014% | $1,168.06 | $1,168.06 | 6.500% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $16,656.98 | 1 | [redacted] | $581.76 | [redacted] | $48.48 | 22.858% | 22.858% | 22.858% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,984.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,528,938.70 | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 588.18 | No | $14,071.22 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225477244 | [Redacted] | [Redacted] | N/A | No | No | $2,501.72 | $2,501.72 | 8.250% | No | No | US Citizen | 1 | [redacted] | $2,375.04 | [redacted] | $197.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225477262 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,283.08 | 7.800% | $3,368.02 | $4,281.25 | 7.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $74,387.54 | 1 | [redacted] | $2,863.08 | [redacted] | $238.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $4,912,221.74 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 504.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | AE | 07/28/2026 | $26,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225479252 | [Redacted] | [Redacted] | N/A | No | No | $739.48 | $739.48 | 7.990% | No | No | US Citizen | 1 | [redacted] | $867.00 | [redacted] | $72.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 656 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.5 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $128,201.85 | 95.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225479787 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,093.20 | $19,370.86 | 6.104% | $8,857.51 | $9,911.92 | 6.550% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,821.74 | 1 | [redacted] | $4,500.00 | [redacted] | $375.00 | 42.345% | 39.681% | 42.345% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,093.20 | 6.150% | $10,000.00 | 1.0 | DU | ApproveIneligible | Yes | No | 6.550% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $471,131.14 | 24.160% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225487203 | [Redacted] | [Redacted] | N/A | No | No | $5,570.76 | $5,570.76 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,853.72 | [redacted] | $237.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.52 | [redacted] | $10,000.00 | 0.940% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488594 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,621.26 | 7.189% | $2,678.03 | $2,678.03 | 7.125% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $9,587.91 | 1 | [redacted] | $2,415.24 | [redacted] | $201.27 | 44.890% | 44.890% | 44.890% | 781 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.430% | $5,000.00 | 1.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $65,323.29 | 12.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.9 | No | No | $17,331.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488596 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,082.00 | $8,939.14 | 7.895% | $2,253.62 | $2,253.62 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $5,980.46 | 1 | [redacted] | $3,321.60 | [redacted] | $276.80 | 44.791% | 44.791% | 44.791% | [Redacted] | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,082.00 | 6.020% | $3,295.00 | 2.5 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $110,168.49 | 27.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 7.19 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488616 | [Redacted] | [Redacted] | N/A | No | No | $1,141.98 | $1,141.98 | 7.875% | No | No | US Citizen | 1 | [redacted] | $174.00 | [redacted] | $14.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.08 | [redacted] | $168,384.08 | 80.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488637 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,920.20 | $23,374.94 | 7.575% | $6,630.49 | $6,630.49 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,066.43 | 1 | [redacted] | $2,481.00 | [redacted] | $206.75 | 42.945% | 42.945% | 42.945% | [Redacted] | 679 | No | Yes | 24 | Business | 68.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,920.20 | 5.980% | $10,867.44 | 1.3 | None | N/A | No | 7.375% | 0 | 4 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $364,826.13 | 30.400% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.59 | No | $0.00 | $9,996.09 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488676 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $2,968.52 | 6.669% | $2,689.31 | $2,689.31 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $66,658.76 | 1 | [redacted] | $1,086.24 | [redacted] | $90.52 | 10.214% | 10.214% | 10.214% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 2 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $283,894.48 | 54.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.14 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225488720 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $8,061.04 | 7.155% | $9,828.13 | $15,061.27 | 7.639% | No | No | Employed | US Citizen | $37,877.29 | 1 | [redacted] | $4,040.04 | [redacted] | $336.67 | 38.670% | 35.189% | 38.670% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Account Statements - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.140% | $0.00 | None | No | No | 7.639% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [redacted] | $165,909.83 | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225489183 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $12,196.40 | 7.116% | $5,290.46 | $5,290.46 | 6.990% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $9,850.30 | 1 | [redacted] | $2,405.76 | [redacted] | $200.48 | 42.389% | 42.389% | 42.389% | 777 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.220% | $1,250.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $220,384.80 | 22.140% | No | 8 | 21 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 0.16 | No | $0.00 | $7,514.72 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225493942 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,712.51 | $8,837.38 | 6.816% | $2,641.28 | $2,641.28 | 6.625% | No | No | Employed | US Citizen | $4,562.03 | 1 | [redacted] | $2,526.00 | [redacted] | $210.50 | 42.374% | 42.374% | 42.374% | [Redacted] | 732 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,712.51 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225494465 | [Redacted] | [Redacted] | N/A | No | No | $862.45 | $862.45 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,136.04 | [redacted] | $94.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 628 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [redacted] | No | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225496260 | [Redacted] | [Redacted] | N/A | No | No | $6,876.34 | $6,876.34 | 7.250% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,574.04 | [redacted] | $131.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $775,964.25 | 53.880% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225497133 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,588.00 | $2,460.90 | 6.581% | $1,548.57 | $1,548.57 | 6.500% | No | No | Employed | US Citizen | $9,440.52 | 1 | [redacted] | $1,916.88 | [redacted] | $159.74 | 35.487% | 35.487% | 35.487% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,588.00 | 6.430% | $0.00 | 2.3 | None | Yes | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $644,048.21 | 99.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 104.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225498257 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,965.00 | $13,585.64 | 7.313% | $2,691.76 | $2,691.76 | 6.990% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | El Salvador | El Salvador | $3,569.99 | 1 | [redacted] | $1,274.04 | [redacted] | $106.17 | 49.987% | 49.987% | 49.987% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,965.00 | 6.430% | $0.00 | 1.2 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $18,049.19 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | VISA | No | 3.81 | No | $7,138.08 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499420 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,030.00 | $7,917.91 | 8.468% | $5,624.53 | $5,624.53 | 8.375% | No | No | Self-Employed | US Citizen | $110,155.37 | 1 | [redacted] | $3,315.96 | [redacted] | $276.33 | 6.389% | 7.219% | 6.389% | [Redacted] | 658 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,030.00 | 6.210% | $0.00 | 3.4 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $11,594.71 | 1.220% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499482 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,203.75 | $11,411.05 | 9.876% | $2,787.43 | $2,787.43 | 9.500% | No | No | Employed | Not Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $5,482.79 | 1 | [redacted] | $1,845.96 | [redacted] | $153.83 | 40.882% | 40.882% | 40.882% | [Redacted] | 638 | 622 | 685 | 638 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $9,203.75 | 6.020% | $0.00 | 2.0 | None | No | No | 9.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $243,511.40 | 47.740% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.9 | No | $6,113.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499497 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,030.00 | $4,223.60 | 9.580% | $643.12 | $643.12 | 8.990% | No | No | Self-Employed | US Citizen | $2,193.17 | 1 | [redacted] | $1,383.96 | [redacted] | $115.33 | 30.150% | 30.150% | 30.150% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,030.00 | 6.430% | $3,000.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $28,660.17 | 28.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225504194 | [Redacted] | [Redacted] | N/A | No | No | $2,073.65 | $2,073.65 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,680.96 | [redacted] | $140.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $17,311.09 | 4.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.35 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225504681 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,548.75 | $10,722.07 | 10.443% | $1,919.05 | $1,919.05 | 9.875% | No | No | Employed | US Citizen | $18,645.97 | 1 | [redacted] | $809.64 | [redacted] | $67.47 | 17.129% | 17.129% | 17.129% | [Redacted] | 685 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,548.75 | 5.980% | $0.00 | 2.6 | None | Yes | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $240,221.96 | 92.390% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225504682 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,091.14 | 8.159% | $1,237.05 | $1,237.05 | 7.990% | No | Yes | Non-Employment Income | Employed | Employed | 2.7 | US Citizen | US Citizen | US Citizen | $15,944.95 | 1 | [redacted] | $1,378.44 | [redacted] | $114.87 | 35.131% | 35.131% | 35.131% | [Redacted] | 723 | 784 | 793 | 757 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.220% | $0.00 | 3.3 | None | No | No | 7.990% | 0 | 1 | 3 | 0 | 2 | 3 | 0.00 | No | [redacted] | $891,719.26 | 100.000% | No | 5 | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 386.12 | No | No | ($11,531.83) | $32,684.11 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225518736 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,572.50 | $2,840.97 | 8.779% | $1,353.35 | $1,353.35 | 8.625% | No | No | Employed | US Citizen | $4,631.94 | 1 | [redacted] | $3,987.96 | [redacted] | $332.33 | 34.914% | 34.914% | 34.914% | [Redacted] | 686 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,572.50 | 6.020% | $0.00 | 1.0 | None | Yes | No | 8.625% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | No | 36 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.98 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225521382 | [Redacted] | [Redacted] | N/A | No | No | $2,120.65 | $2,120.65 | 7.000% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,517.04 | [redacted] | $126.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 125.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225521465 | [Redacted] | [Redacted] | N/A | No | No | $21,100.00 | $7,999.22 | 7.135% | $1,931.37 | $1,931.37 | 6.875% | No | No | Not Employed | Self-Employed | Self-Employed | Self-Employed | 22 | 22 | US Citizen | US Citizen | US Citizen | $926,019.81 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 5.560% | 5.560% | 5.560% | [Redacted] | 742 | 742 | 697 | 752 | 775 | 782 | 773 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 72 | Business | 100.000% | 25.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,100.00 | 6.220% | $0.00 | 2.4 | None | No | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $435,007.71 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 262.61 | No | No | $875,991.76 | $0.00 | No | No | No | No | 12 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225522219 | [Redacted] | [Redacted] | N/A | No | No | $8,252.50 | $4,564.11 | 6.716% | $1,286.13 | $1,286.13 | 6.250% | No | No | Employed | US Citizen | $9,025.16 | 1 | [redacted] | $2,375.04 | [redacted] | $197.92 | 45.542% | 45.542% | 45.542% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,252.50 | 5.460% | $0.00 | 1.0 | None | No | No | 6.250% | 2 | 1 | 0 | 3 | 2 | 0.00 | No | [redacted] | $105,951.35 | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225522833 | [Redacted] | [Redacted] | N/A | No | Yes | $1,890.00 | $3,045.23 | 7.081% | $1,927.43 | $1,927.43 | 6.990% | No | No | Employed | US Citizen | $24,486.11 | 1 | [redacted] | $1,350.96 | [redacted] | $112.58 | 37.428% | 37.428% | 37.428% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.430% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $20,544.89 | 5.260% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.1 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225523102 | [Redacted] | [Redacted] | N/A | No | No | $3,011.80 | $3,011.80 | 6.500% | No | No | 0 | 0 | US Citizen | 2 | [redacted] | $1,299.96 | [redacted] | $108.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $15,083.28 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225524724 | [Redacted] | [Redacted] | N/A | No | No | $5,300.75 | $5,300.75 | 6.990% | No | No | US Citizen | 1 | [redacted] | $4,851.00 | [redacted] | $404.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 687 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225526341 | [Redacted] | [Redacted] | N/A | No | No | $1,384.44 | $1,384.44 | 7.500% | No | No | US Citizen | 1 | [redacted] | $842.04 | [redacted] | $70.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 665 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225528717 | [Redacted] | [Redacted] | N/A | No | No | $1,174.15 | $1,174.15 | 8.750% | No | No | US Citizen | 3 | [redacted] | $1,490.04 | [redacted] | $124.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.57 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225542208 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,975.50 | $6,510.92 | 7.086% | $1,232.34 | $1,232.34 | 6.750% | No | No | Non-Employment Income | US Citizen | $1,705.57 | 1 | [redacted] | $2,514.00 | [redacted] | $209.50 | 49.096% | 49.096% | 49.096% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $3,975.50 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $233,400.19 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 145.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225543069 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,221.88 | $12,453.51 | 8.050% | $3,062.66 | $3,062.66 | 7.750% | No | No | Self-Employed | US Citizen | $7,135.30 | 1 | [redacted] | $5,643.96 | [redacted] | $470.33 | 43.740% | 43.740% | 43.740% | [Redacted] | 690 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,221.88 | 6.220% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $32,203.59 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 02/05/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225543106 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,856.30 | $5,519.23 | 7.154% | $668.48 | $668.48 | 6.625% | No | No | Employed | US Citizen | $3,044.08 | 1 | [redacted] | $2,188.56 | [redacted] | $182.38 | 49.928% | 49.928% | 49.928% | [Redacted] | 687 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Employer Letter - 2016 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $3,856.30 | 6.220% | $0.00 | 1.9 | None | N/A | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $152,466.41 | 65.710% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 04/23/2027 | $220,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225544926 | [Redacted] | [Redacted] | N/A | No | No | $3,688.90 | $3,688.90 | 6.750% | No | No | US Citizen | 1 | [redacted] | $4,306.80 | [redacted] | $358.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $31,389.67 | 3.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.6 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225546546 | [Redacted] | [Redacted] | N/A | No | No | $855.04 | $855.04 | 7.750% | No | No | US Citizen | 1 | [redacted] | $909.96 | [redacted] | $75.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 675 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $25,523.24 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225547638 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,474.50 | 7.089% | $1,595.11 | $1,595.11 | 6.990% | No | No | Non-Employment Income | US Citizen | $4,987.78 | 1 | [redacted] | $1,092.00 | [redacted] | $91.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,390.00 | 5.980% | $0.00 | 1.7 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $702,576.03 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 327.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225548153 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $9,787.53 | 6.728% | $2,591.48 | $2,591.48 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,174.79 | 1 | [redacted] | $3,384.00 | [redacted] | $282.00 | 49.127% | 49.127% | 49.127% | [Redacted] | 788 | No | Yes | 36 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $61,790.88 | 9.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.76 | No | $2,501.41 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550734 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,490.82 | $3,744.30 | 7.323% | $3,425.89 | $3,425.89 | 7.250% | No | No | Self-Employed | US Citizen | $7,258.76 | 1 | [redacted] | $1,683.00 | [redacted] | $140.25 | 38.993% | 38.993% | 38.993% | [Redacted] | 744 | No | Yes | 12 | Personal | 75.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,490.82 | 6.370% | $19,530.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $74,803.58 | 13.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550758 | [Redacted] | [Redacted] | N/A | No | No | $2,617.40 | $2,617.40 | 7.125% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,126.68 | [redacted] | $93.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | [redacted] | $5,180.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550861 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $0.00 | 9.244% | $7,011.66 | $7,011.66 | 9.250% | No | No | Self-Employed | US Citizen | $97,366.99 | 1 | [redacted] | $2,190.00 | [redacted] | $182.50 | 9.168% | 9.168% | 9.168% | [Redacted] | 717 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.430% | $14,851.06 | None | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $99,886.33 | 10.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550866 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,872.50 | $5,234.24 | 6.769% | $1,200.93 | $1,200.93 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,726.84 | 1 | [redacted] | $2,346.00 | [redacted] | $195.50 | 33.015% | 33.015% | 33.015% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,872.50 | 6.120% | $22,950.00 | 2.3 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $868,265.43 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.94 | Yes | No | $1,420.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550880 | [Redacted] | [Redacted] | N/A | No | No | $85,865.00 | $20,866.71 | 6.635% | $7,312.50 | $10,065.24 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $40,527.59 | 4 | [redacted] | $4,434.36 | [redacted] | $369.53 | 43.261% | 39.407% | 43.261% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $85,865.00 | 6.300% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.79 | No | No | $71,427.76 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550883 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,544.69 | $8,229.11 | 7.588% | $3,003.01 | $3,361.62 | 7.889% | No | No | Self-Employed | Non-Permanent Resident Alien | Argentina | $14,586.35 | 1 | [redacted] | $2,639.04 | [redacted] | $219.92 | 22.539% | 23.664% | 22.539% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,544.69 | 6.210% | $0.00 | 1.8 | None | No | No | 7.889% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $19,279.43 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 5.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225550884 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,495.00 | $6,437.15 | 7.031% | $7,164.75 | $9,528.80 | 6.990% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $20,174.21 | 1 | [redacted] | $1,663.56 | [redacted] | $138.63 | 46.840% | 40.611% | 46.840% | 808 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,495.00 | 6.430% | $0.00 | 1.1 | None | N/A | No | 6.990% | 2 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,120,178.10 | 67.880% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 70.81 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225553893 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,431.20 | $9,823.20 | 7.230% | $1,797.36 | $1,797.36 | 6.875% | No | No | Self-Employed | US Citizen | $8,972.86 | 1 | [redacted] | $1,455.12 | [redacted] | $121.26 | 29.742% | 29.742% | 29.742% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,431.20 | 6.370% | $3,000.00 | 2.8 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,000.00 | 2.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225553917 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,527.58 | 7.130% | $2,126.82 | $2,126.82 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,037.61 | 1 | [redacted] | $1,737.84 | [redacted] | $144.82 | 39.168% | 39.168% | 39.168% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.430% | $0.00 | 3.3 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 2 | 1 | 0 | 3 | 0 | No | [redacted] | $734,874.82 | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 269.95 | No | No | $0.00 | $11,250.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554798 | [Redacted] | [Redacted] | N/A | No | No | $719.34 | $719.34 | 6.875% | No | No | Permanent Resident Alien | 1 | [redacted] | $909.00 | [redacted] | $75.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225558455 | [Redacted] | [Redacted] | N/A | No | No | $875.36 | $875.36 | 6.875% | No | No | 0 | Permanent Resident Alien | Not Provided | 1 | [redacted] | $2,064.24 | [redacted] | $172.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 653 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.03 | [redacted] | $5,000.00 | 2.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $1,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225558466 | [Redacted] | [Redacted] | N/A | No | No | $790.09 | $790.09 | 6.500% | No | No | US Citizen | 1 | [redacted] | $674.04 | [redacted] | $56.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.02 | 0.49 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225558715 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,209.69 | $8,406.93 | 6.997% | $2,164.70 | $2,164.70 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,000.85 | 1 | [redacted] | $3,084.36 | [redacted] | $257.03 | 38.787% | 38.787% | 38.787% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $4,209.69 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $281,709.29 | 63.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225558892 | [Redacted] | [Redacted] | N/A | No | No | $3,030.34 | $3,030.34 | 7.375% | No | No | US Citizen | US Citizen | 1 | [redacted] | $418.92 | [redacted] | $34.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | [redacted] | $192,041.73 | 32.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $11,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559634 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,570.38 | $7,295.56 | 7.274% | $3,238.56 | $3,238.56 | 7.125% | No | No | Self-Employed | US Citizen | $10,239.28 | 1 | [redacted] | $3,683.16 | [redacted] | $306.93 | 30.017% | 30.017% | 30.017% | [Redacted] | 710 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,570.38 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $31,211.44 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559898 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,371.00 | $7,228.94 | 6.792% | $2,638.08 | $2,638.08 | 6.625% | No | No | Employed | US Citizen | $4,538.23 | 2 | [redacted] | $2,422.80 | [redacted] | $201.90 | 44.827% | 44.827% | 44.827% | [Redacted] | 770 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,371.00 | 5.980% | $5,000.00 | None | No | No | 6.625% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $254,035.19 | 49.320% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559902 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,363.69 | $6,703.67 | 7.676% | $2,721.69 | $2,721.69 | 7.500% | No | No | Employed | US Citizen | $5,028.55 | 1 | [redacted] | $1,670.52 | [redacted] | $139.21 | 40.745% | 40.745% | 40.745% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,363.69 | 6.260% | $28,000.00 | 2.6 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $75,225.11 | 17.390% | No | 28 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559905 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,944.28 | $1,530.85 | 6.903% | $2,811.66 | $2,811.66 | 6.875% | No | No | Self-Employed | US Citizen | $7,667.49 | 1 | [redacted] | $1,497.96 | [redacted] | $124.83 | 47.409% | 47.409% | 47.409% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,944.28 | 6.220% | $13,450.00 | 999.0 | None | No | No | 6.875% | 2 | 2 | 0 | 3 | 1 | No | [redacted] | $249,232.58 | 46.580% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225561892 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $1,789.00 | 7.689% | $1,980.05 | $1,980.05 | 7.625% | No | No | Non-Employment Income | US Citizen | $12,331.20 | 1 | [redacted] | $1,065.00 | [redacted] | $88.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.300% | $7,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $871,050.32 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 354.46 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225563307 | [Redacted] | [Redacted] | N/A | No | No | $11,690.00 | $3,665.54 | 8.629% | $1,537.83 | $1,537.83 | 8.500% | No | No | Employed | US Citizen | $5,257.31 | 2 | [redacted] | $686.04 | [redacted] | $57.17 | 31.822% | 31.822% | 31.822% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,690.00 | 6.300% | $0.00 | None | N/A | No | 8.500% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [redacted] | $153,186.28 | 61.270% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.72 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225565416 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,293.14 | $10,796.68 | 7.445% | $3,932.75 | $3,932.75 | 7.250% | No | No | Self-Employed | US Citizen | $11,494.98 | 1 | [redacted] | $5,183.64 | [redacted] | $431.97 | 45.938% | 45.938% | 45.938% | [Redacted] | 686 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $5,293.14 | 6.430% | $0.00 | 2.7 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 13.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.47 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225565468 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,835.00 | $22,409.34 | 6.101% | $8,983.62 | $8,983.62 | 5.990% | No | No | Employed | US Citizen | $57,373.28 | 1 | [redacted] | $10,111.80 | [redacted] | $842.65 | 26.010% | 26.010% | 26.010% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,835.00 | 6.130% | $0.00 | 2.6 | None | No | No | 5.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $1,481,923.29 | 67.540% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 98 | 9.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225565501 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,120.00 | $10,093.19 | 7.281% | $5,796.88 | $8,715.97 | 7.898% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,077.08 | 1 | [redacted] | $2,361.00 | [redacted] | $196.75 | 49.943% | 40.252% | 49.943% | [Redacted] | 727 | Yes | Yes | 24 | Business | 34.000% | 100.000% | [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,120.00 | 6.080% | $5,000.00 | 1.9 | None | Yes | No | 7.898% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Other | 240 | [redacted] | $1,151,963.20 | 71.990% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 130.79 | No | No | $0.00 | $4,167.76 | No | No | No | No | 4 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225565769 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,562.74 | 7.041% | $2,871.21 | $2,871.21 | 6.990% | No | No | Self-Employed | US Citizen | $43,344.20 | 1 | [redacted] | $1,922.76 | [redacted] | $160.23 | 31.062% | 31.062% | 31.062% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2001 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.370% | $0.00 | 3.3 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 1 | 0 | 3 | 0 | No | [redacted] | $331,325.28 | 61.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.7 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225566093 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,640.00 | $8,515.29 | 7.043% | $1,605.28 | $1,605.28 | 6.750% | No | No | Employed | US Citizen | $8,243.21 | 1 | [redacted] | $536.04 | [redacted] | $44.67 | 28.674% | 28.674% | 28.674% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,640.00 | 6.020% | $0.00 | 2.6 | None | No | No | 6.750% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $71,709.18 | 21.730% | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/01/2026 | $1,863,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225568143 | [Redacted] | [Redacted] | N/A | No | No | $3,794.30 | $3,794.30 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,476.00 | [redacted] | $123.00 | 0.000% | 0.000% | 0.000% | 685 | 751 | 754 | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $645,803.78 | 71.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225568370 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,855.12 | $18,154.88 | 7.208% | $9,011.66 | $9,011.66 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $97,546.12 | 1 | [redacted] | $6,126.00 | [redacted] | $510.50 | 17.267% | 17.267% | 17.267% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,855.12 | 6.120% | $38,617.80 | 2.9 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $305,726.47 | 18.280% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.86 | Yes | No | $60,131.23 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569065 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,203.13 | $10,182.63 | 8.832% | $5,841.25 | $5,841.25 | 8.750% | No | No | Employed | US Citizen | $33,997.37 | 1 | [redacted] | $1,894.80 | [redacted] | $157.90 | 29.370% | 29.370% | 29.370% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,203.13 | 6.300% | $15,000.00 | 1.0 | None | Yes | No | 8.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $503,526.95 | 61.030% | No | 3 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569067 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,040.50 | $5,921.28 | 6.709% | $4,827.94 | $4,827.94 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $98,701.98 | 1 | [redacted] | $5,712.00 | [redacted] | $476.00 | 8.783% | 8.783% | 8.783% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,040.50 | 6.370% | $0.00 | 4.6 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $57,738.35 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 6.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569068 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $8,701.92 | 8.085% | $7,917.13 | $7,917.13 | 7.990% | No | No | Self-Employed | Not Employed | US Citizen | Permanent Resident Alien | $133,165.89 | 1 | [redacted] | $2,709.00 | [redacted] | $225.75 | 7.269% | 8.247% | 7.269% | [Redacted] | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.210% | $0.00 | 4.2 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $69,658.56 | 5.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569072 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,215.00 | $9,539.50 | 6.652% | $2,970.72 | $2,970.72 | 6.500% | No | No | Employed | US Citizen | $4,100.43 | 1 | [redacted] | $1,587.00 | [redacted] | $132.25 | 49.580% | 49.580% | 49.580% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,215.00 | 6.370% | $150,000.00 | 1.0 | None | Yes | No | 6.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $733,036.41 | 89.390% | No | 16 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 129.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569087 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,002.50 | $3,743.44 | 7.233% | $830.79 | $830.79 | 6.990% | No | No | Employed | US Citizen | $3,777.28 | 1 | [redacted] | $393.00 | [redacted] | $32.75 | 41.383% | 41.383% | 41.383% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,002.50 | 6.430% | $0.00 | 1.1 | None | Yes | No | 6.990% | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $16,504.61 | 5.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569102 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,755.74 | $6,995.74 | 8.568% | $8,672.73 | $8,672.73 | 8.500% | No | No | Self-Employed | US Citizen | $31,214.07 | 1 | [redacted] | $4,893.00 | [redacted] | $407.75 | 35.224% | 35.224% | 35.224% | [Redacted] | 679 | No | Yes | 12 | Business | 83.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,755.74 | 6.300% | $0.00 | 3.2 | None | Yes | No | 8.500% | 1 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $466,535.41 | 33.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569522 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,978.68 | $23,199.31 | 7.679% | $9,422.72 | $10,293.50 | 7.889% | No | No | Not Employed | Self-Employed | US Citizen | $76,560.92 | 1 | [redacted] | $4,614.36 | [redacted] | $384.53 | 15.541% | 16.529% | 15.541% | [Redacted] | 665 | No | Yes | 60 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,978.68 | 6.210% | $0.00 | 5.0 | None | No | No | 7.889% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $152,519.35 | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.51 | No | No | $90,648.34 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569560 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,397.00 | $17,491.29 | 6.869% | $3,765.03 | $3,765.03 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $90,977.68 | 1 | [redacted] | $1,661.40 | [redacted] | $138.45 | 16.520% | 16.520% | 16.520% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,397.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $102,813.77 | 13.980% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225572137 | [Redacted] | [Redacted] | N/A | No | No | $1,542.25 | $1,542.25 | 6.500% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,611.00 | [redacted] | $134.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [redacted] | $96,654.63 | 31.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225573663 | [Redacted] | [Redacted] | N/A | No | No | $440.51 | $440.51 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $955.20 | [redacted] | $79.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | 714 | 678 | 726 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $38,980.65 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225575889 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,554.00 | $9,157.80 | 6.958% | $1,741.65 | $1,741.65 | 6.625% | No | No | Self-Employed | Non-Permanent Resident Alien | $19,729.76 | 1 | [redacted] | $1,574.52 | [redacted] | $131.21 | 10.873% | 10.873% | 10.873% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $8,554.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $139,455.94 | 41.010% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 25.83 | No | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225575900 | [Redacted] | [Redacted] | Non QM | Yes | No | $33,465.00 | $43,113.50 | 6.983% | $9,728.97 | $9,728.97 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $72,828.48 | 1 | [redacted] | $5,046.84 | [redacted] | $420.57 | 23.383% | 23.383% | 23.383% | [Redacted] | 788 | No | Yes | 24 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $33,465.00 | 6.130% | $0.00 | 2.7 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.79 | No | $95,054.59 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225578653 | [Redacted] | [Redacted] | N/A | No | No | $3,265.59 | $3,265.59 | 6.625% | No | No | US Citizen | US Citizen | 4 | [redacted] | $5,031.00 | [redacted] | $419.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $75,556.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 16.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579010 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,003.80 | $6,008.25 | 7.513% | $2,237.79 | $2,237.79 | 7.375% | No | No | Non-Employment Income | US Citizen | $4,399.98 | 1 | [redacted] | $1,671.00 | [redacted] | $139.25 | 40.737% | 40.737% | 40.737% | [Redacted] | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $4,003.80 | 6.430% | $2,500.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [redacted] | $931,613.51 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 290.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579156 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,377.50 | $2,296.38 | 8.043% | $4,618.33 | $4,618.33 | 7.990% | No | No | Not Employed | Self-Employed | US Citizen | $24,331.07 | 1 | [redacted] | $2,730.96 | [redacted] | $227.58 | 36.135% | 38.286% | 36.135% | [Redacted] | 664 | No | Yes | 12 | Business | 100.000% | 51.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,377.50 | 6.220% | $0.00 | 1.5 | None | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,520.59 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.34 | No | No | $38,097.53 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579166 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,174.75 | $21,739.79 | 7.837% | $4,090.40 | $4,090.40 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $7,066.70 | 3 | [redacted] | $2,243.04 | [redacted] | $186.92 | 47.317% | 47.317% | 47.317% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,174.75 | 5.980% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,780.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 5.76 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579679 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $5,105.52 | 7.030% | $3,912.18 | $3,912.18 | 6.990% | No | No | Employed | US Citizen | $15,018.69 | 1 | [redacted] | $1,736.16 | [redacted] | $144.68 | 34.018% | 34.018% | 34.018% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.430% | $0.00 | 4.6 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $445,067.36 | 58.170% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579680 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,465.68 | $30,517.42 | 6.236% | $5,343.20 | $5,343.20 | 5.950% | No | No | Employed | Employed | US Citizen | US Citizen | $17,971.64 | 1 | [redacted] | $1,014.60 | [redacted] | $84.55 | 24.745% | 24.745% | 24.745% | 729 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $17,465.68 | 6.260% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 5.950% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,112,903.19 | 74.390% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.23 | No | $0.00 | $19,249.99 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579684 | [Redacted] | [Redacted] | N/A | No | No | $1,170.65 | $1,170.65 | 6.875% | No | No | US Citizen | 1 | [redacted] | $872.04 | [redacted] | $72.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 402.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579708 | [Redacted] | [Redacted] | N/A | No | No | $1,983.06 | $1,983.06 | 6.375% | No | No | 0 | 0 | Foreign National | Foreign National | Foreign National | 1 | [redacted] | $1,308.96 | [redacted] | $109.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 819 | 819 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $131,773.97 | 31.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | 6.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579836 | [Redacted] | [Redacted] | N/A | No | No | $1,578.50 | $1,578.50 | 6.990% | No | No | US Citizen | 1 | [redacted] | $940.08 | [redacted] | $78.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $107,865.78 | 31.910% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225580820 | [Redacted] | [Redacted] | N/A | No | No | $2,575.16 | $2,575.16 | 6.875% | No | No | US Citizen | US Citizen | 4 | [redacted] | $2,046.96 | [redacted] | $170.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | Yes | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 224.15 | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225581878 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,391.76 | 7.095% | $1,560.75 | $1,560.75 | 6.875% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | $21,171.79 | 1 | [redacted] | $945.72 | [redacted] | $78.81 | 23.470% | 23.470% | 23.470% | [Redacted] | 801 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 5.850% | $0.00 | 999.0 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $540,133.85 | No | 27 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.78 | No | No | $0.00 | $27,664.59 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225581879 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,036.01 | $3,913.02 | 7.359% | $2,428.56 | $2,428.56 | 7.250% | No | No | Self-Employed | US Citizen | $19,474.54 | 1 | [redacted] | $1,583.04 | [redacted] | $131.92 | 43.384% | 43.384% | 43.384% | [Redacted] | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,036.01 | 6.370% | $98,000.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,261.57 | 1.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225582710 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,992.08 | $8,809.33 | 6.906% | $1,229.37 | $1,229.37 | 6.500% | No | No | Employed | US Citizen | $6,088.10 | 1 | [redacted] | $377.04 | [redacted] | $31.42 | 29.491% | 29.491% | 29.491% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,992.08 | 6.430% | $0.00 | 2.3 | None | Yes | No | 6.500% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $224,087.57 | 58.420% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225583480 | [Redacted] | [Redacted] | N/A | No | No | $16,788.00 | $8,425.33 | 7.229% | $1,388.75 | $1,388.75 | 6.875% | No | No | Not Employed | Self-Employed | Not Employed | Self-Employed | 0 | 18.24 | US Citizen | Not Provided | US Citizen | $929,038.06 | 1 | [redacted] | $600.00 | [redacted] | $50.00 | 5.253% | 5.253% | 5.253% | [Redacted] | 787 | 742 | 697 | 752 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | Yes | 72 | Business | 100.000% | 25.000% | [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,788.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $435,007.71 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 252.29 | Yes | No | $437,995.73 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225584897 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,419.98 | $23,986.22 | 7.219% | $4,073.94 | $4,073.94 | 6.875% | No | No | Self-Employed | US Citizen | $6,786.67 | 1 | [redacted] | $2,621.04 | [redacted] | $218.42 | 45.333% | 45.333% | 45.333% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,419.98 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $203,424.69 | 25.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225585195 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,790.00 | $9,873.19 | 7.406% | $2,021.16 | $2,021.16 | 7.125% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $21,967.56 | 1 | [redacted] | $1,623.96 | [redacted] | $135.33 | 13.296% | 13.296% | 13.296% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,790.00 | 6.300% | $10,000.00 | 1.4 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $55,462.75 | 14.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 51.18 | No | $25,336.19 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225585225 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,015.00 | $16,581.11 | 6.834% | $8,626.35 | $8,626.35 | 6.750% | No | No | Self-Employed | US Citizen | $74,397.18 | 1 | [redacted] | $4,817.28 | [redacted] | $401.44 | 13.497% | 13.497% | 13.497% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,015.00 | 6.020% | $0.00 | 1.5 | DU | ApproveIneligible | No | No | 6.750% | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $135,241.31 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.7 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/04/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225585265 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,506.56 | $3,048.54 | 6.872% | $1,678.25 | $1,678.25 | 6.750% | No | No | Self-Employed | US Citizen | $2,781.99 | 1 | [redacted] | $2,292.96 | [redacted] | $191.08 | 41.873% | 41.873% | 41.873% | [Redacted] | 781 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,506.56 | 6.260% | $15,350.00 | 2.7 | DU | ApproveIneligible | No | No | 6.750% | 0 | 2 | 0 | 3 | 2 | 3.90 | No | [redacted] | $94,506.95 | 27.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225585626 | [Redacted] | [Redacted] | N/A | No | No | $1,329.26 | $1,329.26 | 6.990% | No | No | US Citizen | 4 | [redacted] | $3,141.00 | [redacted] | $261.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.15 | 0.46 | [redacted] | $78,362.36 | 31.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586163 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,826.00 | $10,859.10 | 6.969% | $4,824.49 | $4,824.49 | 6.875% | No | No | Employed | US Citizen | $10,252.54 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 40.283% | 40.283% | 40.283% | [Redacted] | 704 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $3,826.00 | 6.300% | $0.00 | 3.1 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $12,297.23 | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586237 | [Redacted] | [Redacted] | N/A | No | No | $811.09 | $811.09 | 7.500% | No | No | US Citizen | 2 | [redacted] | $1,197.00 | [redacted] | $99.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $43,296.09 | 29.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586253 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,058.75 | $5,869.88 | 6.981% | $2,463.48 | $2,463.48 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $16,271.95 | 1 | [redacted] | $6,120.60 | [redacted] | $510.05 | 44.588% | 44.588% | 44.588% | [Redacted] | 802 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,058.75 | 6.430% | $0.00 | 3.5 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $857,291.93 | 100.000% | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.24 | No | No | $0.00 | $20,876.74 | No | No | No | No | 2 | 360 | AE | 04/29/2027 | $125,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586255 | [Redacted] | [Redacted] | N/A | No | No | $18,665.00 | $5,817.54 | 7.387% | $2,176.05 | $2,176.05 | 6.750% | No | No | Not Employed | Employed | US Citizen | $24,040.75 | 1 | [redacted] | $659.04 | [redacted] | $54.92 | 27.476% | 28.723% | 28.085% | [Redacted] | 795 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,665.00 | 6.220% | $18,537.00 | 5.0 | None | No | No | 6.750% | 0 | 3 | 2 | 0 | 3 | 3 | 0.00 | No | [redacted] | $455,405.84 | 73.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.03 | No | No | $0.00 | $32,375.01 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586258 | [Redacted] | [Redacted] | N/A | No | No | $1,904.11 | $1,904.11 | 6.500% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,664.28 | [redacted] | $138.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 818 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.4 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.55 | [redacted] | $33,778.27 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586290 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,375.00 | $26,143.63 | 7.374% | $5,793.98 | $5,793.98 | 7.125% | No | No | Self-Employed | US Citizen | $54,608.30 | 1 | [redacted] | $2,571.00 | [redacted] | $214.25 | 17.153% | 17.153% | 17.153% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,375.00 | 6.260% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $53,750.00 | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586293 | [Redacted] | [Redacted] | Non QM | Yes | No | $33,730.00 | $43,983.67 | 7.356% | $10,563.91 | $10,563.91 | 7.125% | No | No | Self-Employed | US Citizen | $100,637.52 | 1 | [redacted] | $9,344.04 | [redacted] | $778.67 | 20.684% | 20.684% | 20.684% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $33,730.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $241,152.18 | 13.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586294 | [Redacted] | [Redacted] | N/A | No | No | $11,373.00 | $12,106.14 | 7.057% | $2,542.51 | $2,542.51 | 6.750% | No | No | Self-Employed | US Citizen | $12,090.45 | 3 | [redacted] | $2,212.56 | [redacted] | $184.38 | 39.329% | 39.329% | 39.329% | [Redacted] | 747 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,373.00 | 6.370% | $0.00 | None | No | No | 6.750% | 2 | 2 | 0 | 2 | 2 | 3.00 | No | [redacted] | $137,220.57 | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.85 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586438 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $11,252.88 | 6.730% | $4,922.39 | $4,922.39 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $9,897.01 | 1 | [redacted] | $4,403.76 | [redacted] | $366.98 | 48.782% | 48.782% | 48.782% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.260% | $0.00 | 3.5 | None | No | No | 6.625% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $947,104.09 | 92.400% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 107.67 | No | No | $0.00 | $4,941.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225587909 | [Redacted] | [Redacted] | N/A | No | No | $1,448.38 | $1,448.38 | 6.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,205.04 | [redacted] | $100.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $36,187.99 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225594706 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,772.95 | $3,364.49 | 9.113% | $1,598.96 | $1,598.96 | 8.990% | No | No | Self-Employed | US Citizen | $4,011.17 | 1 | [redacted] | $2,316.00 | [redacted] | $193.00 | 46.403% | 46.403% | 46.403% | [Redacted] | 704 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $4,772.95 | 6.300% | $10,000.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $51,002.35 | 21.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595127 | [Redacted] | [Redacted] | N/A | No | No | $1,621.70 | $1,621.70 | 6.990% | No | No | US Citizen | US Citizen | 2 | [redacted] | $2,844.96 | [redacted] | $237.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $52,717.83 | 17.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595537 | [Redacted] | [Redacted] | N/A | No | No | $8,839.88 | $10,283.46 | 7.837% | $1,172.80 | $1,172.80 | 7.250% | No | No | Self-Employed | US Citizen | $5,535.60 | 1 | [redacted] | $959.04 | [redacted] | $79.92 | 20.644% | 20.644% | 20.644% | [Redacted] | 724 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $8,839.88 | 6.220% | $0.00 | 1.0 | None | No | No | 7.250% | 1 | 0 | 0 | 2 | 0 | 3.00 | No | [redacted] | $206,128.99 | 95.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595539 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,464.59 | $28,009.20 | 7.441% | $6,603.54 | $7,487.78 | 7.889% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,300.19 | 1 | [redacted] | $3,051.24 | [redacted] | $254.27 | 41.703% | 37.827% | 41.703% | [Redacted] | 796 | Yes | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,464.59 | 6.100% | $0.00 | 4.0 | None | No | No | 7.889% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $237,181.24 | 19.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.01 | No | $11,371.57 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595543 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,065.00 | $22,202.17 | 7.088% | $5,557.62 | $5,557.62 | 6.875% | No | No | Self-Employed | US Citizen | $12,005.88 | 1 | [redacted] | $4,557.24 | [redacted] | $379.77 | 39.328% | 39.328% | 39.328% | [Redacted] | 661 | No | Yes | 12 | Business | 89.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,065.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595569 | [Redacted] | [Redacted] | N/A | No | No | $1,414.20 | $1,414.20 | 7.750% | No | No | US Citizen | 1 | [redacted] | $638.16 | [redacted] | $53.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 368.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595594 | [Redacted] | [Redacted] | N/A | No | No | $2,353.14 | $2,353.14 | 6.625% | No | No | Non-Permanent Resident Alien | 2 | [redacted] | $1,202.04 | [redacted] | $100.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225599684 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,450.00 | $6,966.35 | 8.305% | $4,853.18 | $4,853.18 | 8.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $7,749.71 | 1 | [redacted] | $1,692.00 | [redacted] | $141.00 | 42.320% | 42.320% | 42.320% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,450.00 | 6.370% | $21,883.21 | 1.7 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $18,647.32 | 2.450% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.35 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225599811 | [Redacted] | [Redacted] | N/A | No | No | $1,588.94 | $1,588.94 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,542.00 | [redacted] | $128.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $96,161.23 | 30.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225599840 | [Redacted] | [Redacted] | N/A | No | No | $948.28 | $948.28 | 6.375% | No | No | US Citizen | 1 | [redacted] | $744.96 | [redacted] | $62.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.63 | [redacted] | $10,300.25 | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225601251 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,498.60 | $14,345.68 | 7.343% | $2,485.72 | $2,485.72 | 6.990% | No | No | Non-Employment Income | US Citizen | $3,400.43 | 1 | [redacted] | $3,018.96 | [redacted] | $251.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 658 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $12,498.60 | 6.260% | $0.00 | 2.6 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $430,497.72 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602442 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,690.00 | $10,534.53 | 6.901% | $1,516.96 | $1,516.96 | 6.500% | No | No | Non-Employment Income | US Citizen | $1,985.62 | 1 | [redacted] | $2,147.04 | [redacted] | $178.92 | 54.967% | 54.967% | 54.967% | [Redacted] | 784 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Verification of Deposit - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $6,690.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $113,193.65 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602447 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,582.50 | $0.04 | 6.335% | $5,146.93 | $5,146.93 | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $12,576.23 | 1 | [redacted] | $1,037.04 | [redacted] | $86.42 | 46.410% | 46.410% | 46.410% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,582.50 | 6.370% | $27,622.53 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $297,339.70 | 27.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Risk Score Classic 04 | Passport | 19.47 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602453 | [Redacted] | [Redacted] | N/A | No | No | $3,010.31 | $3,010.31 | 7.125% | No | No | 0 | US Citizen | US Citizen | 3 | [redacted] | $3,447.84 | [redacted] | $287.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.76 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602455 | [Redacted] | [Redacted] | N/A | No | No | $5,295.37 | $5,295.37 | 6.625% | No | No | US Citizen | 1 | [redacted] | $5,547.00 | [redacted] | $462.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.03 | 0.49 | [redacted] | $421,001.20 | 37.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602466 | [Redacted] | [Redacted] | N/A | No | No | $4,449.38 | $4,449.38 | 6.750% | No | No | US Citizen | 1 | [redacted] | $4,510.68 | [redacted] | $375.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $2,074,889.80 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 314.68 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225603232 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,165.20 | $7,516.12 | 6.914% | $2,309.01 | $2,309.01 | 6.750% | No | No | Self-Employed | US Citizen | $4,621.79 | 1 | [redacted] | $2,544.96 | [redacted] | $212.08 | 42.196% | 42.196% | 42.196% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,165.20 | 6.430% | $30,500.00 | 1.3 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $89,596.99 | 20.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225603248 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,090.00 | $21,363.17 | 6.349% | $9,358.90 | $9,358.90 | 6.250% | No | No | Self-Employed | US Citizen | $27,399.14 | 1 | [redacted] | $8,613.96 | [redacted] | $717.83 | 42.739% | 42.739% | 42.739% | [Redacted] | 719 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,090.00 | 6.430% | $0.00 | 2.6 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $776,861.29 | 32.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225603329 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,141.00 | 6.778% | $5,318.50 | $5,318.50 | 6.750% | No | No | Self-Employed | US Citizen | $43,015.35 | 1 | [redacted] | $1,026.96 | [redacted] | $85.58 | 14.151% | 14.151% | 14.151% | [Redacted] | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.300% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $263,785.98 | 25.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225603330 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $14,288.47 | 7.616% | $6,153.09 | $6,153.09 | 7.500% | No | No | Self-Employed | US Citizen | $15,809.69 | 1 | [redacted] | $1,747.68 | [redacted] | $145.64 | 49.522% | 49.522% | 49.522% | [Redacted] | 712 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.300% | $0.00 | 1.7 | None | N/A | No | 7.500% | 0 | 1 | 0 | 3 | 1 | No | [redacted] | $237,776.20 | 21.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225603896 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,290.00 | $28,447.33 | 7.191% | $7,975.57 | $7,975.57 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $758,606.80 | 1 | [redacted] | $3,995.04 | [redacted] | $332.92 | 2.938% | 2.938% | 2.938% | [Redacted] | 639 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,290.00 | 6.300% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.53 | No | No | $390,783.43 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225603897 | [Redacted] | [Redacted] | N/A | No | No | $2,038.75 | $8,639.55 | 6.877% | $1,904.93 | $1,904.93 | 6.625% | No | No | Employed | US Citizen | $4,357.13 | 2 | [redacted] | $3,053.76 | [redacted] | $254.48 | 36.521% | 36.521% | 36.521% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,038.75 | 6.300% | $5,000.00 | DU | ApproveEligible | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $154,303.20 | 36.300% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.85 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604309 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,484.48 | $8,020.42 | 7.457% | $1,062.19 | $1,062.19 | 6.990% | No | No | Non-Employment Income | US Citizen | $14,396.94 | 1 | [redacted] | $815.40 | [redacted] | $67.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $6,484.48 | 6.320% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $912,831.05 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 477.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604403 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,138.91 | 7.480% | $6,874.44 | $6,874.44 | 7.450% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $24,735.81 | 1 | [redacted] | $1,398.00 | [redacted] | $116.50 | 27.705% | 27.705% | 27.705% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.450% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $361,228.88 | 29.240% | No | 19 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | VISA | 9.36 | No | $0.00 | $18,133.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604467 | [Redacted] | [Redacted] | N/A | No | No | $1,661.46 | $1,661.46 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,689.96 | [redacted] | $140.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | 753 | 773 | 766 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 999.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | 240 | [redacted] | $82,598.40 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604484 | [Redacted] | [Redacted] | N/A | No | No | $1,642.13 | $1,642.13 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,553.04 | [redacted] | $129.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | 753 | 773 | 766 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 999.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | 240 | [redacted] | $82,058.40 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604559 | [Redacted] | [Redacted] | N/A | No | No | $10,574.18 | $16,504.41 | 6.642% | $5,513.21 | $5,513.21 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,837.36 | 1 | [redacted] | $1,832.88 | [redacted] | $152.74 | 48.476% | 48.476% | 48.476% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - C-Corp]; W-2 Transcript - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Primary Income - C-Corp]; W-2 Transcript - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - C-Corp]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,574.18 | 6.260% | $0.00 | 1.4 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 2 | 2 | 0 | 2 | 2 | No | [redacted] | $2,098,947.31 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individually and as Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 258.11 | No | No | $4,589.63 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604562 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,766.40 | $8,570.67 | 6.968% | $4,199.09 | $4,199.09 | 6.875% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $13,621.40 | 1 | [redacted] | $3,267.96 | [redacted] | $272.33 | 40.453% | 40.453% | 40.453% | [Redacted] | 800 | No | Yes | 24 | Personal, Business | 78.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2005 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2005 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,766.40 | 6.300% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [redacted] | $246,832.30 | 30.890% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.11 | No | No | $22,875.18 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225608974 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,493.83 | $6,265.54 | 7.456% | $1,751.85 | $1,751.85 | 7.250% | No | No | Non-Employment Income | US Citizen | $13,206.75 | 1 | [redacted] | $1,950.96 | [redacted] | $162.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,493.83 | 6.260% | $100,000.00 | 2.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $986,943.62 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 476.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225612385 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,346.49 | $11,306.33 | 7.269% | $2,391.61 | $2,391.61 | 6.990% | No | No | Self-Employed | US Citizen | $4,142.45 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 45.057% | 45.057% | 45.057% | [Redacted] | 770 | No | Yes | 36 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,346.49 | 6.430% | $0.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $126,928.84 | 28.210% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225612437 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,224.60 | $13,014.45 | 6.866% | $2,017.56 | $2,017.56 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $12,048.16 | 1 | [redacted] | $1,098.60 | [redacted] | $91.55 | 26.188% | 26.188% | 26.188% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,224.60 | 6.430% | $23,940.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $160,000.00 | 40.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 24.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225612576 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,965.00 | $3,013.56 | 7.520% | $682.18 | $682.18 | 7.250% | No | No | Self-Employed | US Citizen | $19,832.71 | 1 | [redacted] | $281.04 | [redacted] | $23.42 | 12.252% | 12.252% | 12.252% | [Redacted] | 750 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,965.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $25,500.06 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.91 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225614074 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,795.00 | $14,810.94 | 7.423% | $9,341.67 | $10,498.26 | 7.375% | No | No | Self-Employed | US Citizen | $15,425.95 | 1 | [redacted] | $8,117.52 | [redacted] | $676.46 | 47.919% | 44.015% | 47.919% | [Redacted] | 732 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2004 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $22,795.00 | 6.260% | $22,000.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 3 | 0 | 3.00 | No | Other | 360 | [redacted] | $1,281,655.57 | 67.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 83.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624558 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,530.00 | $0.00 | 6.216% | $7,527.14 | $7,527.14 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $113,073.20 | 1 | [redacted] | $3,021.00 | [redacted] | $251.75 | 14.186% | 14.186% | 14.186% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Other - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,530.00 | 6.260% | $26,325.13 | 2.1 | DU | ApproveEligible | No | No | 6.250% | 2 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | [redacted] | $523,324.27 | 32.100% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624561 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,545.00 | $3,086.46 | 7.492% | $1,631.00 | $2,322.75 | 7.889% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $26,152.10 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 31.972% | 30.173% | 31.972% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,545.00 | 6.100% | $0.00 | 2.5 | None | Yes | No | 7.889% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $1,055,418.84 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 363.97 | No | No | $19,605.97 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624563 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,090.00 | $6,748.92 | 7.443% | $2,046.53 | $2,046.53 | 7.250% | No | No | Employed | US Citizen | $10,852.16 | 1 | [redacted] | $1,040.40 | [redacted] | $86.70 | 41.224% | 41.224% | 41.224% | [Redacted] | 767 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.220% | $0.00 | 999.0 | LP / LPA | Accept/Eligible | No | No | 7.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [redacted] | $114,494.57 | 30.530% | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624564 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $8,812.34 | 6.794% | $7,264.30 | $7,264.30 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $56,457.86 | 1 | [redacted] | $4,018.32 | [redacted] | $334.86 | 15.090% | 15.090% | 15.090% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,095.00 | 6.260% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $395,757.52 | 28.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624575 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,150.00 | $11,952.50 | 7.468% | $3,219.87 | $3,219.87 | 7.250% | No | No | Employed | US Citizen | $4,544.25 | 1 | [redacted] | $1,227.96 | [redacted] | $102.33 | 48.377% | 48.377% | 48.377% | [Redacted] | 709 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Alimony]; Account Statements - 2026 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2026 [Borrower - | Non-Primary Income - Alimony]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,150.00 | 6.300% | $0.00 | 1.3 | None | No | No | 7.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $242,064.17 | 39.680% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624578 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,433.75 | $7,083.08 | 7.277% | $2,081.01 | $2,303.49 | 7.639% | No | No | Non-Employment Income | US Citizen | $9,818.06 | 1 | [redacted] | $1,269.36 | [redacted] | $105.78 | 28.397% | 26.775% | 28.397% | [Redacted] | 790 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $5,433.75 | 6.040% | $0.00 | 4.1 | None | No | No | 7.639% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,450,675.74 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 371.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624594 | [Redacted] | [Redacted] | N/A | No | No | $1,730.14 | $1,730.14 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,917.96 | [redacted] | $159.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 653 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624602 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,600.00 | $815.28 | 6.858% | $2,596.19 | $2,596.19 | 6.875% | No | No | Self-Employed | US Citizen | $10,339.47 | 1 | [redacted] | $1,977.00 | [redacted] | $164.75 | 37.735% | 37.735% | 37.735% | [Redacted] | 725 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2018 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $5,600.00 | 6.320% | $11,410.00 | 2.3 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | No | [redacted] | $114,017.82 | 23.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225624604 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,925.00 | $25,263.54 | 6.789% | $8,003.89 | $8,003.89 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,427.63 | 1 | [redacted] | $6,035.88 | [redacted] | $502.99 | 45.458% | 45.458% | 45.458% | [Redacted] | 719 | No | Yes | 12 | Business | 59.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,925.00 | 6.300% | $0.00 | 5.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.95 | No | $7,309.38 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225628110 | [Redacted] | [Redacted] | N/A | No | No | $3,642.18 | $3,642.18 | 6.990% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $2,651.88 | [redacted] | $220.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | [redacted] | $260,440.99 | 38.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225628620 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $6,777.30 | 6.564% | $4,108.44 | $4,108.44 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $75,667.19 | 1 | [redacted] | $2,995.32 | [redacted] | $249.61 | 8.280% | 8.280% | 8.280% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.300% | $0.00 | 2.5 | DU | ApproveEligible | No | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $2,239,391.44 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 300.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225630061 | [Redacted] | [Redacted] | N/A | No | No | $1,488.94 | $1,488.94 | 5.625% | No | No | US Citizen | 1 | [redacted] | $2,132.40 | [redacted] | $177.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $668,517.80 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 236.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225630115 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,840.00 | $8,259.35 | 6.819% | $4,275.00 | $5,778.77 | 6.750% | No | No | Self-Employed | US Citizen | $26,125.91 | 1 | [redacted] | $2,361.00 | [redacted] | $196.75 | 23.851% | 19.468% | 23.851% | [Redacted] | 788 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,840.00 | 6.370% | $0.00 | 1.1 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | 240 | [redacted] | $284,876.10 | 29.980% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225630130 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,886.38 | 7.284% | $2,890.72 | $2,890.72 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $10,473.20 | 1 | [redacted] | $5,549.40 | [redacted] | $462.45 | 44.079% | 44.079% | 44.079% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Housing Allowance]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.430% | $20,000.00 | 1.3 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $301,357.09 | 53.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.57 | No | No | $0.00 | $11,410.20 | No | No | No | No | 4 | 360 | AE | 05/04/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225632619 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,190.00 | $14,951.38 | 7.164% | $5,416.67 | $8,141.22 | 7.639% | No | No | Employed | US Citizen | $38,093.04 | 1 | [redacted] | $10,937.04 | [redacted] | $911.42 | 34.303% | 29.604% | 34.303% | [Redacted] | 759 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,190.00 | 6.100% | $0.00 | 3.6 | None | No | No | 7.639% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $5,837,762.53 | 100.000% | No | 23 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 386.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635144 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,491.25 | $18,654.93 | 7.622% | $8,469.24 | $8,469.24 | 7.500% | No | No | Self-Employed | US Citizen | $10,259.69 | 1 | [redacted] | $5,752.56 | [redacted] | $479.38 | 49.812% | 49.812% | 49.812% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $12,491.25 | 6.370% | $0.00 | 2.7 | None | Yes | No | 7.500% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $154,989.68 | 10.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635145 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $4,470.49 | 7.562% | $3,277.57 | $3,277.57 | 7.500% | No | No | Employed | US Citizen | $4,537.51 | 1 | [redacted] | $516.00 | [redacted] | $43.00 | 48.595% | 48.595% | 48.595% | [Redacted] | 721 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.220% | $2,500.00 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | No | [redacted] | $220,010.87 | 35.200% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635146 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,215.00 | $4,860.75 | 6.878% | $1,945.79 | $1,945.79 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $49,798.37 | 1 | [redacted] | $899.52 | [redacted] | $74.96 | 21.796% | 21.796% | 21.796% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,215.00 | 6.370% | $0.00 | 2.2 | None | No | No | 6.750% | 1 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 15 | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.63 | No | No | $0.00 | $26,177.18 | No | No | No | No | 2 | 360 | AE | 09/22/2026 | $8,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635166 | [Redacted] | [Redacted] | N/A | No | No | $1,982.50 | $1,982.50 | 6.500% | No | No | US Citizen | 1 | [redacted] | $2,104.32 | [redacted] | $175.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.6 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | [redacted] | $43,331.30 | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635167 | [Redacted] | [Redacted] | N/A | No | No | $1,282.33 | $1,282.33 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,503.96 | [redacted] | $125.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635171 | [Redacted] | [Redacted] | N/A | No | No | $876.56 | $876.56 | 6.375% | No | No | US Citizen | 1 | [redacted] | $1,590.00 | [redacted] | $132.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | 240 | [redacted] | $16,711.19 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635236 | [Redacted] | [Redacted] | N/A | No | No | $881.37 | $881.37 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,065.00 | [redacted] | $88.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $42,756.12 | 26.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635314 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,540.00 | $8,405.93 | 8.006% | $1,504.06 | $1,504.06 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $20,580.73 | 1 | [redacted] | $1,963.92 | [redacted] | $163.66 | 11.037% | 11.037% | 11.037% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,540.00 | 6.370% | $7,000.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $7,719.06 | 3.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635398 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,380.78 | $9,764.72 | 8.184% | $1,583.27 | $1,583.27 | 7.750% | No | No | Self-Employed | US Citizen | $6,322.34 | 1 | [redacted] | $3,179.04 | [redacted] | $264.92 | 37.877% | 37.877% | 37.877% | [Redacted] | 674 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,380.78 | 6.020% | $0.00 | 2.1 | None | Yes | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635605 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,369.90 | $7,852.32 | 7.838% | $2,314.49 | $2,314.49 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $105,866.88 | 1 | [redacted] | $1,175.64 | [redacted] | $97.97 | 4.602% | 4.602% | 4.602% | [Redacted] | 689 | No | Yes | 36 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,369.90 | 6.260% | $0.00 | 4.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $478,973.06 | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 177.48 | No | $110,973.51 | $0.00 | No | No | No | No | 1 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635617 | [Redacted] | [Redacted] | N/A | No | No | $20,545.00 | $6,441.17 | 7.437% | $2,038.22 | $2,227.09 | 7.638% | No | No | Not Employed | Employed | US Citizen | $13,124.41 | 1 | [redacted] | $1,375.32 | [redacted] | $114.61 | 48.416% | 49.196% | 48.416% | [Redacted] | 781 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $20,545.00 | 6.200% | $12,570.00 | 1.8 | None | Yes | No | 7.638% | 0 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $265,730.36 | 63.420% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.25 | No | No | ($302.83) | $25,745.83 | No | No | No | No | 3 | 360 | VE | 02/01/2027 | $36,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225636149 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,997.00 | $13,087.12 | 6.599% | $5,989.48 | $5,989.48 | 6.500% | No | No | Employed | US Citizen | $27,962.58 | 1 | [redacted] | $7,515.96 | [redacted] | $626.33 | 30.432% | 30.432% | 30.432% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,997.00 | 6.370% | $0.00 | 1.0 | DU | ApproveIneligible | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $370,715.46 | 31.290% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225636164 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $4,083.81 | 6.923% | $3,310.92 | $3,310.92 | 6.875% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $10,842.53 | 2 | [redacted] | $3,513.96 | [redacted] | $292.83 | 49.891% | 49.891% | 49.891% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.260% | $0.00 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $63,600.44 | No | 25 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 52.75 | No | No | $0.00 | $5,472.88 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225636168 | [Redacted] | [Redacted] | N/A | No | No | $5,290.00 | $8,469.80 | 7.811% | $1,009.62 | $1,009.62 | 7.250% | No | No | Not Employed | Employed | US Citizen | $7,241.08 | 1 | [redacted] | $321.00 | [redacted] | $26.75 | 24.060% | 24.060% | 24.060% | [Redacted] | 748 | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,290.00 | 6.300% | $500.00 | 1.0 | None | Yes | No | 7.250% | 0 | 1 | 2 | 0 | 3 | 3 | 0.00 | No | [redacted] | $128,151.44 | 69.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.89 | No | $0.00 | $9,535.31 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225638905 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,401.25 | $12,525.36 | 6.769% | $1,815.46 | $1,815.46 | 6.375% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Brazil | Brazil | $8,157.11 | 1 | [redacted] | $1,530.96 | [redacted] | $127.58 | 30.900% | 30.900% | 30.900% | [Redacted] | 741 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,401.25 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $11,569.49 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization, Passport | Employment Authorization | No | 4.57 | No | $0.00 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225638980 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $12,031.69 | 7.515% | $15,075.06 | $15,075.06 | 7.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $62,738.16 | 1 | [redacted] | $1,390.92 | [redacted] | $115.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.300% | $0.00 | 3.9 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $5,150,824.30 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 253.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639456 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $9,106.80 | $12,825.80 | 7.425% | $4,796.51 | $4,796.51 | 6.990% | No | No | Non-Employment Income | US Citizen | $11,539.15 | 1 | [redacted] | $3,224.04 | [redacted] | $268.67 | 34.504% | 34.504% | 36.312% | [Redacted] | 720 | No | No | [Borrower - | Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Primary Income - Child Support]; Divorce Decree - 2026 [Borrower - | Non-Primary Income - Separate Maintenance]; Account Statements - 2026 [Borrower - | Non-Primary Income - Separate Maintenance]; Other - 2026 [Borrower - | Non-Primary Income - Separate Maintenance]; Legal Separation Agreement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,106.80 | 6.040% | $4,200.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | No | [redacted] | $259,874.46 | 28.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639463 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,560.00 | $6,851.85 | 6.740% | $2,945.43 | $2,945.43 | 6.625% | No | No | Self-Employed | US Citizen | $38,971.54 | 1 | [redacted] | $2,962.44 | [redacted] | $246.87 | 15.172% | 15.172% | 15.172% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 45.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2009 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2009 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,560.00 | 6.300% | $15,500.00 | 2.3 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $184,739.79 | 32.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 17.91 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639468 | [Redacted] | [Redacted] | N/A | No | No | $2,151.12 | $2,151.12 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,225.92 | [redacted] | $102.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | 756 | 776 | 771 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $475,768.64 | 70.800% | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639829 | [Redacted] | [Redacted] | N/A | No | No | $2,430.64 | $2,430.64 | 6.875% | No | No | Permanent Resident Alien | 1 | [redacted] | $939.96 | [redacted] | $78.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225640206 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,772.48 | $15,746.94 | 7.748% | $2,817.95 | $2,817.95 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,186.45 | 1 | [redacted] | $3,060.00 | [redacted] | $255.00 | 46.924% | 46.924% | 46.924% | [Redacted] | 710 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $9,772.48 | 6.320% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $261,156.63 | 51.200% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.5 | Yes | No | $1,348.00 | $1,127.12 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225640413 | [Redacted] | [Redacted] | N/A | No | No | $2,090.00 | $6,665.17 | 6.991% | $2,818.22 | $2,818.22 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $32,557.42 | 1 | [redacted] | $2,574.36 | [redacted] | $214.53 | 27.111% | 27.111% | 27.111% | [Redacted] | 716 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.300% | $10,200.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,315,594.18 | 100.000% | No | 28 | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 293.24 | No | No | $0.00 | $24,033.34 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225642523 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,286.00 | $4,840.98 | 7.603% | $2,505.98 | $2,505.98 | 7.500% | No | No | Employed | US Citizen | $14,791.89 | 1 | [redacted] | $1,277.04 | [redacted] | $106.42 | 38.215% | 38.215% | 38.215% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,286.00 | 6.430% | $0.00 | 999.0 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $321,886.92 | 62.860% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645540 | [Redacted] | [Redacted] | N/A | No | No | $32,410.63 | $13,311.23 | 6.773% | $2,725.79 | $2,725.79 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,193.10 | 1 | [redacted] | $864.00 | [redacted] | $72.00 | 30.749% | 30.749% | 30.749% | [Redacted] | 774 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 1.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 1.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $32,410.63 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $2,047,254.50 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 578.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645542 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,330.76 | $8,431.12 | 7.548% | $1,811.18 | $1,811.18 | 7.250% | No | No | Employed | US Citizen | $3,076.95 | 1 | [redacted] | $2,019.96 | [redacted] | $168.33 | 49.838% | 49.838% | 49.838% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,330.76 | 6.300% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $62,064.64 | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645543 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,064.42 | 6.739% | $2,305.12 | $2,305.12 | 6.625% | No | No | Self-Employed | US Citizen | $32,732.48 | 1 | [redacted] | $2,544.36 | [redacted] | $212.03 | 10.171% | 10.171% | 10.171% | [Redacted] | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.320% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $29,330.01 | 5.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645545 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,252.80 | $5,157.37 | 7.279% | $1,103.29 | $1,103.29 | 6.990% | No | No | Self-Employed | US Citizen | $7,954.06 | 1 | [redacted] | $1,791.96 | [redacted] | $149.33 | 47.359% | 47.359% | 47.359% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,252.80 | 6.370% | $0.00 | 1.9 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645549 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,605.29 | $26,912.85 | 7.227% | $4,623.75 | $4,623.75 | 6.875% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $17,917.81 | 1 | [redacted] | $1,279.44 | [redacted] | $106.62 | 27.962% | 27.962% | 27.962% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 50.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $23,605.29 | 6.300% | $20,000.00 | 1.9 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,000.00 | 0.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 7.16 | No | $12,310.80 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645550 | [Redacted] | [Redacted] | N/A | No | No | $2,118.60 | $2,118.60 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,353.96 | [redacted] | $112.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $82,480.59 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645568 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.38 | $6,380.46 | 6.907% | $2,143.62 | $2,143.62 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,917.58 | 1 | [redacted] | $1,578.96 | [redacted] | $131.58 | 40.730% | 40.730% | 40.730% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2025 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,790.38 | 6.430% | $0.00 | 1.5 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $490,691.63 | 77.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.68 | Yes | No | $1,479.90 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645572 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,940.00 | $7,499.21 | 7.081% | $2,135.02 | $2,135.02 | 6.875% | No | No | Employed | US Citizen | $8,558.61 | 1 | [redacted] | $3,567.96 | [redacted] | $297.33 | 33.323% | 33.323% | 33.323% | [Redacted] | 802 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2023 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,940.00 | 6.260% | $0.00 | 2.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,166,828.13 | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 197.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646002 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,492.17 | $8,992.19 | 6.563% | $2,504.49 | $2,504.49 | 6.375% | No | No | Non-Employment Income | US Citizen | $9,919.28 | 1 | [redacted] | $1,058.16 | [redacted] | $88.18 | 34.732% | 34.732% | 34.732% | [Redacted] | 796 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,492.17 | 6.260% | $0.00 | 1.4 | None | Yes | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,745,748.64 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 282.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646467 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,771.06 | $3,309.14 | 7.567% | $1,061.91 | $1,061.91 | 7.375% | No | No | Self-Employed | US Citizen | $2,009.87 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 44.810% | 44.810% | 44.810% | [Redacted] | 758 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,771.06 | 6.410% | $6,000.00 | 1.1 | None | No | No | 7.375% | 0 | 2 | 0 | 2 | 2 | 3.77 | No | [redacted] | $111,830.97 | 54.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646470 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,340.98 | $18,571.17 | 7.147% | $4,120.16 | $4,120.16 | 6.875% | No | No | Self-Employed | US Citizen | $59,766.09 | 1 | [redacted] | $790.56 | [redacted] | $65.88 | 48.270% | 48.270% | 48.270% | [Redacted] | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,340.98 | 6.410% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $482,429.19 | 49.990% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.04 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646773 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,230.63 | $7,560.51 | 6.906% | $2,553.86 | $2,553.86 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $14,393.15 | 1 | [redacted] | $1,208.04 | [redacted] | $100.67 | 45.899% | 45.899% | 45.899% | [Redacted] | 787 | No | No | Audited | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,230.63 | 6.260% | $0.00 | 2.9 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 0 | 12.00 | No | [redacted] | $451,036.67 | 85.910% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 108.23 | No | No | $0.00 | $10,464.18 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646797 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,405.00 | $8,320.88 | 7.893% | $3,449.52 | $3,449.52 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,134.62 | 1 | [redacted] | $1,116.96 | [redacted] | $93.08 | 42.056% | 45.284% | 42.056% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,405.00 | 6.210% | $0.00 | 2.6 | None | Yes | No | 7.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $153,038.68 | 28.600% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.04 | Yes | No | $0.00 | $10,817.52 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646813 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,795.00 | $16,176.89 | 6.560% | $4,523.06 | $4,523.06 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $51,219.07 | 1 | [redacted] | $2,862.96 | [redacted] | $238.58 | 16.106% | 16.106% | 16.106% | [Redacted] | 817 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,795.00 | 6.320% | $0.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $921,010.15 | 63.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646865 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,995.40 | $4,841.54 | 7.083% | $2,706.38 | $2,706.38 | 6.990% | No | No | Employed | US Citizen | $4,325.65 | 1 | [redacted] | $1,127.04 | [redacted] | $93.92 | 44.915% | 44.915% | 44.915% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,995.40 | 6.320% | $10,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $321,720.73 | 63.200% | Yes | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225647296 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,384.90 | $20,792.20 | 7.568% | $4,236.31 | $4,236.31 | 7.250% | No | No | Employed | US Citizen | $8,843.76 | 1 | [redacted] | $5,136.60 | [redacted] | $428.05 | 44.081% | 44.081% | 44.081% | [Redacted] | 745 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,384.90 | 6.300% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $0.00 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225651938 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $4,390.00 | $7,757.64 | 7.936% | $6,525.62 | $6,525.62 | 7.875% | No | No | Employed | US Citizen | $62,259.41 | 1 | [redacted] | $2,580.48 | [redacted] | $215.04 | 11.058% | 11.058% | 11.058% | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,390.00 | 6.040% | $0.00 | 1.0 | None | Yes | No | 7.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $689,215.28 | 57.430% | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 46.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225652714 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $10,930.90 | 6.895% | $4,176.97 | $4,176.97 | 6.750% | No | No | Non-Employment Income | US Citizen | $7,448.84 | 1 | [redacted] | $1,256.04 | [redacted] | $104.67 | 46.878% | 46.878% | 46.878% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.300% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $200,708.27 | 24.930% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225652715 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,061.93 | $26,264.31 | 7.440% | $8,532.06 | $8,532.06 | 7.250% | No | No | Self-Employed | US Citizen | $26,380.31 | 1 | [redacted] | $2,636.16 | [redacted] | $219.68 | 36.367% | 36.367% | 36.367% | [Redacted] | 730 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2011 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2011 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,061.93 | 6.410% | $20,000.00 | 2.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $467,879.53 | 29.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | 11.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225652717 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,342.75 | $4,903.15 | 9.511% | $2,739.78 | $2,739.78 | 9.375% | No | No | Self-Employed | US Citizen | $20,984.01 | 1 | [redacted] | $1,359.00 | [redacted] | $113.25 | 22.235% | 22.235% | 22.235% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,342.75 | 6.430% | $50,980.00 | 1.0 | None | No | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,000.00 | 0.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653129 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $12,535.68 | 7.046% | $9,969.47 | $9,969.47 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $47,166.10 | 1 | [redacted] | $2,495.04 | [redacted] | $207.92 | 21.333% | 21.333% | 21.333% | [Redacted] | 811 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.320% | $10,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $3,707,202.57 | 100.000% | No | 26 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 272.62 | No | $0.00 | $8,816.12 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653131 | [Redacted] | [Redacted] | N/A | No | No | $7,369.70 | $7,369.70 | 6.750% | No | No | US Citizen | 1 | [redacted] | $2,835.96 | [redacted] | $236.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.01 | 0.49 | [redacted] | $793,086.25 | 52.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653143 | [Redacted] | [Redacted] | N/A | No | No | $885.34 | $885.34 | 6.750% | No | No | US Citizen | 2 | [redacted] | $1,751.04 | [redacted] | $145.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.07 | 0.48 | [redacted] | $5,482.89 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653167 | [Redacted] | [Redacted] | N/A | No | No | $2,326.21 | $2,326.21 | 6.990% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,479.96 | [redacted] | $123.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 673 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 999.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $1,209.82 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653412 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,930.00 | $9,423.96 | 7.031% | $1,945.79 | $1,945.79 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,819.78 | 1 | [redacted] | $4,987.08 | [redacted] | $415.59 | 36.549% | 36.549% | 36.549% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,930.00 | 6.260% | $5,000.00 | 4.3 | None | No | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $184,772.31 | 49.270% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.4 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 05/15/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653437 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,421.56 | $13,066.70 | 7.232% | $1,702.57 | $1,702.57 | 6.750% | No | No | Self-Employed | US Citizen | $3,164.70 | 1 | [redacted] | $1,026.96 | [redacted] | $85.58 | 54.308% | 54.308% | 54.308% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $11,421.56 | 6.260% | $15,900.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $29,788.01 | 8.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653502 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,022.50 | $12,396.74 | 7.869% | $3,344.33 | $3,344.33 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $7,889.54 | 1 | [redacted] | $1,494.60 | [redacted] | $124.55 | 37.158% | 37.158% | 37.158% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,022.50 | 6.260% | $5,000.00 | 1.8 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $29,396.66 | 5.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 8.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653965 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,884.36 | 6.584% | $3,697.60 | $3,697.60 | 6.500% | No | No | Employed | US Citizen | $10,441.78 | 1 | [redacted] | $2,400.24 | [redacted] | $200.02 | 49.949% | 49.949% | 49.949% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $459,947.08 | 58.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225655747 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,563.00 | $10,730.40 | 7.156% | $2,312.39 | $2,312.39 | 6.875% | No | No | Employed | US Citizen | $6,392.38 | 1 | [redacted] | $1,392.00 | [redacted] | $116.00 | 39.446% | 39.446% | 39.446% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,563.00 | 6.370% | $0.00 | 1.7 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $170,319.69 | 37.840% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225655752 | [Redacted] | [Redacted] | N/A | No | No | $27,550.00 | $7,459.70 | 7.359% | $2,817.37 | $3,190.35 | 7.875% | No | No | Self-Employed | US Citizen | $13,270.71 | 1 | [redacted] | $1,486.08 | [redacted] | $123.84 | 51.376% | 50.009% | 51.376% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2003 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $27,550.00 | 6.040% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $354,882.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.99 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225655802 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,386.38 | $16,104.94 | 7.696% | $5,022.11 | $5,022.11 | 7.500% | No | No | Employed | US Citizen | $9,613.28 | 1 | [redacted] | $276.60 | [redacted] | $23.05 | 42.320% | 42.320% | 42.320% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,386.38 | 6.430% | $0.00 | 1.0 | None | N/A | No | 7.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $191,833.76 | 22.700% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225656745 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,895.00 | $4,193.81 | 6.805% | $3,567.29 | $3,567.29 | 6.750% | No | No | Self-Employed | US Citizen | $8,030.06 | 1 | [redacted] | $1,729.32 | [redacted] | $144.11 | 46.935% | 46.935% | 46.935% | [Redacted] | 785 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,895.00 | 6.430% | $0.00 | 2.8 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.52 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225656764 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,687.43 | $3,459.75 | 6.882% | $774.14 | $774.14 | 6.625% | No | No | Employed | US Citizen | $1,661.27 | 1 | [redacted] | $900.00 | [redacted] | $75.00 | 42.252% | 42.252% | 42.252% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,687.43 | 6.300% | $0.00 | 3.0 | None | No | No | 6.625% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $595,604.86 | 100.000% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 320.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225656777 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,040.00 | $11,518.08 | 7.008% | $4,828.43 | $4,828.43 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,457.02 | 1 | [redacted] | $4,800.48 | [redacted] | $400.04 | 43.832% | 43.832% | 43.832% | [Redacted] | 752 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,040.00 | 6.320% | $0.00 | 2.7 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $606,254.71 | 58.570% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.09 | Yes | No | $0.00 | $4,784.72 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657284 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,858.80 | $5,581.47 | 7.120% | $1,994.48 | $2,652.57 | 6.990% | No | No | Non-Employment Income | US Citizen | $4,157.12 | 1 | [redacted] | $3,921.60 | [redacted] | $326.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,858.80 | 6.410% | $5,000.00 | 1.5 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $765,838.03 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 159.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657299 | [Redacted] | [Redacted] | N/A | No | No | $9,006.40 | $9,006.40 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $5,763.72 | [redacted] | $480.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [redacted] | $584,023.02 | 35.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657324 | [Redacted] | [Redacted] | N/A | No | No | $669.92 | $669.92 | 6.125% | No | No | US Citizen | 1 | [redacted] | $1,555.08 | [redacted] | $129.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | 240 | [redacted] | $16,711.19 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657367 | [Redacted] | [Redacted] | N/A | No | No | $2,988.34 | $2,988.34 | 6.375% | No | No | US Citizen | 4 | [redacted] | $3,456.00 | [redacted] | $288.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 116.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657376 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,224.09 | 7.065% | $2,217.21 | $2,217.21 | 6.990% | No | No | Non-Employment Income | US Citizen | $26,853.64 | 1 | [redacted] | $2,959.08 | [redacted] | $246.59 | 25.342% | 25.342% | 25.342% | [Redacted] | 813 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.300% | $0.00 | 4.0 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,864,306.89 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 960.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657419 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $4,364.40 | 7.450% | $4,285.94 | $4,797.75 | 7.889% | No | No | Self-Employed | Permanent Resident Alien | $24,181.89 | 1 | [redacted] | $3,017.04 | [redacted] | $251.42 | 27.382% | 28.290% | 27.382% | [Redacted] | 773 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.200% | $0.00 | 1.0 | None | No | No | 7.889% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $96,230.62 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 23.07 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657680 | [Redacted] | [Redacted] | N/A | No | No | $2,360.33 | $2,360.33 | 7.250% | No | No | US Citizen | 2 | [redacted] | $2,808.00 | [redacted] | $234.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $95,568.81 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225658319 | [Redacted] | [Redacted] | N/A | No | No | $873.75 | $873.75 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,183.04 | [redacted] | $181.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 240 | [redacted] | $235,623.39 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225658321 | [Redacted] | [Redacted] | N/A | No | No | $1,149.63 | $1,149.63 | 6.875% | No | No | US Citizen | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225660086 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,689.38 | $13,257.20 | 7.260% | $2,184.29 | $2,184.29 | 6.875% | No | No | Employed | US Citizen | $10,187.69 | 1 | [redacted] | $1,776.24 | [redacted] | $148.02 | 23.696% | 23.696% | 23.696% | [Redacted] | 712 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,689.38 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.72 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225660087 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $2,542.80 | 7.061% | $1,868.14 | $1,868.14 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $9,656.65 | 1 | [redacted] | $2,512.32 | [redacted] | $209.36 | 32.566% | 32.566% | 32.566% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.300% | $7,027.00 | 1.6 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 1 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $127,136.64 | 36.180% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.62 | No | No | $5,108.37 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225660089 | [Redacted] | [Redacted] | N/A | No | No | $35,190.64 | $11,964.84 | 7.189% | $2,643.96 | $4,288.41 | 7.862% | No | No | Not Employed | Self-Employed | US Citizen | $16,979.79 | 4 | [redacted] | $8,103.72 | [redacted] | $675.31 | 28.291% | 25.667% | 28.291% | [Redacted] | 795 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $35,190.64 | 6.080% | $2,000.00 | None | N/A | No | 7.862% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 240 | [redacted] | $75,876.31 | 10.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.13 | No | $23,678.74 | $0.00 | No | No | No | No | 1 | 240 | AH | 05/20/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225661793 | [Redacted] | [Redacted] | N/A | No | No | $3,940.00 | $5,180.12 | 7.776% | $880.61 | $880.61 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,771.91 | 1 | [redacted] | $1,223.04 | [redacted] | $101.92 | 41.038% | 41.038% | 41.038% | 720 | No | No | Audited | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,940.00 | 6.430% | $0.00 | None | No | No | 7.375% | 0 | 0 | 2 | 0 | 3 | 2 | 3.97 | No | [redacted] | $232,979.28 | 83.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225661798 | [Redacted] | [Redacted] | N/A | No | No | $2,886.16 | $2,886.16 | 6.990% | No | No | US Citizen | 1 | [redacted] | $4,887.96 | [redacted] | $407.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225661800 | [Redacted] | [Redacted] | N/A | No | No | $11,890.00 | $2,838.00 | 6.746% | $1,280.62 | $1,280.62 | 6.625% | No | No | Employed | US Citizen | $12,550.69 | 1 | [redacted] | $1,077.60 | [redacted] | $89.80 | 42.952% | 42.952% | 42.952% | [Redacted] | 745 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,890.00 | 6.410% | $0.00 | 1.0 | None | Yes | No | 6.625% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $52,807.66 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.39 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225661801 | [Redacted] | [Redacted] | N/A | No | No | $1,820.31 | $1,820.31 | 6.500% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,144.32 | [redacted] | $95.36 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $129,389.63 | 33.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 6.81 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225661805 | [Redacted] | [Redacted] | N/A | No | No | $4,186.05 | $4,186.05 | 7.125% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | [redacted] | $951.00 | [redacted] | $79.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 698 | 696 | 698 | 698 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $421,983.88 | 44.140% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225661806 | [Redacted] | [Redacted] | N/A | No | No | $1,566.24 | $1,566.24 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,319.96 | [redacted] | $193.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $24,562.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225662301 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,590.00 | $5,195.90 | 7.056% | $1,037.76 | $1,037.76 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,184.66 | 1 | [redacted] | $1,833.96 | [redacted] | $152.83 | 40.884% | 40.884% | 40.884% | [Redacted] | 721 | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,590.00 | 6.260% | $0.00 | 1.5 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $762,845.34 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 188.42 | Yes | No | $2,693.55 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225662313 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,783.75 | $18,096.85 | 8.097% | $10,061.35 | $10,061.35 | 7.990% | No | No | Self-Employed | US Citizen | $47,112.83 | 1 | [redacted] | $8,581.20 | [redacted] | $715.10 | 26.190% | 26.190% | 26.190% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,783.75 | 6.260% | $0.00 | 2.0 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $173,077.10 | 11.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.21 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225662868 | [Redacted] | [Redacted] | N/A | No | No | $2,906.02 | $2,906.02 | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,632.96 | [redacted] | $136.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | 786 | 791 | 771 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | $217,112.93 | 38.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225662942 | [Redacted] | [Redacted] | N/A | No | No | $11,375.00 | $2,986.95 | 6.981% | $1,494.51 | $1,494.51 | 6.875% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | $128,141.80 | 1 | [redacted] | $3,801.00 | [redacted] | $316.75 | 24.401% | 24.401% | 24.401% | [Redacted] | 670 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,375.00 | 6.260% | $0.00 | None | No | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $708,863.26 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 278.09 | No | No | $0.00 | $169,471.64 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225663231 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,901.34 | $7,899.21 | 7.208% | $2,906.72 | $4,286.35 | 7.639% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,475.03 | 1 | [redacted] | $1,865.04 | [redacted] | $155.42 | 47.667% | 36.517% | 47.667% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,901.34 | 6.040% | $0.00 | 2.0 | None | Yes | No | 7.639% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $552,397.83 | 75.150% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 95.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225663392 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,580.67 | 6.412% | $5,614.83 | $5,614.83 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $18,980.91 | 1 | [redacted] | $720.00 | [redacted] | $60.00 | 29.107% | 29.107% | 29.107% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.410% | $1,500.00 | 4.6 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $661,179.57 | 55.090% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.63 | No | $0.00 | $15,750.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225663397 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,346.54 | 6.796% | $3,113.27 | $3,113.27 | 6.750% | No | No | Employed | US Citizen | $17,159.77 | 1 | [redacted] | $3,749.04 | [redacted] | $312.42 | 24.191% | 24.191% | 24.191% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $45,845.76 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225668155 | [Redacted] | [Redacted] | N/A | No | No | $1,459.35 | $1,459.35 | 6.750% | No | No | US Citizen | 1 | [redacted] | $1,248.36 | [redacted] | $104.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225668760 | [Redacted] | [Redacted] | N/A | No | No | $5,730.28 | $5,730.28 | 7.250% | No | No | US Citizen | 3 | [redacted] | $4,797.48 | [redacted] | $399.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $362,670.27 | 32.970% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225668818 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,234.10 | $17,382.06 | 7.225% | $4,438.41 | $4,438.41 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $29,354.25 | 1 | [redacted] | $2,792.88 | [redacted] | $232.74 | 22.790% | 22.790% | 22.790% | 747 | No | No | [Borrower - | Primary Income - Royalty]; Account Statements - 2026 [Borrower - | Primary Income - Royalty]; Other - 2026 [Borrower - | Primary Income - Royalty]; Other - 2026 [Borrower - | Primary Income - Royalty]; Schedule E - 2025 [Borrower - | Primary Income - Royalty]; Other - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,234.10 | 6.410% | $0.00 | 1.9 | None | No | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $308,817.12 | 36.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225668820 | [Redacted] | [Redacted] | Non QM | Yes | No | $43,090.00 | $49,555.74 | 7.576% | $11,875.00 | $16,281.26 | 7.638% | No | No | Self-Employed | US Citizen | $99,079.69 | 1 | [redacted] | $7,915.92 | [redacted] | $659.66 | 41.015% | 38.392% | 41.015% | [Redacted] | 720 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $43,090.00 | 6.060% | $0.00 | 2.7 | None | N/A | No | 7.638% | 0 | 2 | 0 | 0 | 2 | 3.00 | No | 240 | [redacted] | $6,410,182.88 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 416.6 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 240 | AE | 05/14/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669501 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,939.62 | $11,192.10 | 8.234% | $2,334.72 | $2,334.72 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $7,267.86 | 1 | [redacted] | $6,612.96 | [redacted] | $551.08 | 32.276% | 32.276% | 32.276% | [Redacted] | 652 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,939.62 | 6.300% | $0.00 | 1.2 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $7,084.70 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization, Passport | No | 5.03 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | AE | 07/31/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669547 | [Redacted] | [Redacted] | N/A | No | No | $7,975.57 | $7,975.57 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $10,443.00 | [redacted] | $870.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $769,561.49 | 48.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669817 | [Redacted] | [Redacted] | N/A | No | No | $1,600.78 | $1,600.78 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,722.00 | [redacted] | $143.50 | 0.000% | 0.000% | 0.000% | 662 | 667 | 662 | 659 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669954 | [Redacted] | [Redacted] | N/A | No | No | $6,011.68 | $6,011.68 | 7.250% | No | No | US Citizen | 2 | [redacted] | $2,277.96 | [redacted] | $189.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669959 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,990.00 | $12,108.22 | 7.085% | $3,416.03 | $3,416.03 | 6.875% | No | No | Self-Employed | US Citizen | $27,064.97 | 1 | [redacted] | $3,405.96 | [redacted] | $283.83 | 18.814% | 18.814% | 18.814% | [Redacted] | 708 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $18,990.00 | 6.300% | $18,000.00 | 5.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $242,614.38 | 37.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669966 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,971.75 | $8,416.35 | 7.166% | $3,160.19 | $3,160.19 | 7.000% | No | No | Self-Employed | US Citizen | $19,526.98 | 1 | [redacted] | $2,877.84 | [redacted] | $239.82 | 22.909% | 22.909% | 22.909% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,971.75 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $255,683.95 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669967 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,052.50 | $5,828.40 | 6.819% | $1,728.84 | $1,728.84 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $24,715.47 | 1 | [redacted] | $368.04 | [redacted] | $30.67 | 17.034% | 17.034% | 17.034% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,052.50 | 6.410% | $0.00 | 1.7 | None | No | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $390,286.68 | 68.470% | No | 4 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.6 | No | No | $0.00 | $13,608.59 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670024 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $3,612.00 | [redacted] | $301.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | 707 | 745 | 725 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $111,704.50 | 55.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670026 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $993.48 | 6.755% | $2,278.13 | $3,079.47 | 6.750% | No | Yes | Non-Employment Income | Employed | US Citizen | US Citizen | $5,649.88 | 1 | [redacted] | $1,922.28 | [redacted] | $160.19 | 50.149% | 43.079% | 50.149% | 770 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.410% | $10,000.00 | 3.1 | None | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $332,090.48 | 49.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.24 | Yes | No | $0.00 | $6,727.29 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670030 | [Redacted] | [Redacted] | N/A | No | No | $1,813.02 | $1,813.02 | 7.375% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,172.04 | [redacted] | $97.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [redacted] | $340,143.90 | 97.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 106.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670286 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,452.50 | $3,325.13 | 6.837% | $1,978.22 | $1,978.22 | 6.750% | No | No | Employed | US Citizen | $4,204.44 | 1 | [redacted] | $2,588.04 | [redacted] | $215.67 | 46.891% | 46.891% | 46.891% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,452.50 | 6.320% | $15,000.00 | 1.1 | None | Yes | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $85,676.41 | 16.960% | No | 15 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670661 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $4,080.00 | 7.110% | $1,947.10 | $1,947.10 | 6.990% | No | No | Employed | US Citizen | $10,057.16 | 1 | [redacted] | $1,313.52 | [redacted] | $109.46 | 42.511% | 42.511% | 42.511% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.420% | $5,000.00 | 1.1 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $424,298.41 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 145.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670664 | [Redacted] | [Redacted] | N/A | No | No | $1,922.17 | $1,922.17 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,719.00 | [redacted] | $143.25 | 0.000% | 0.000% | 0.000% | 762 | 776 | 764 | 743 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $399,084.83 | 84.910% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670682 | [Redacted] | [Redacted] | N/A | No | No | $24,991.60 | $10,748.72 | 7.304% | $2,121.50 | $2,121.50 | 6.990% | No | No | Not Employed | Not Employed | Self-Employed | Self-Employed | 5.52 | 5.52 | US Citizen | US Citizen | $11,741.48 | 1 | [redacted] | $2,148.96 | [redacted] | $179.08 | 41.596% | 41.596% | 41.596% | [Redacted] | 730 | 745 | 730 | 729 | 793 | 784 | 763 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $24,991.60 | 6.410% | $2,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $76,277.82 | 19.110% | No | 10 | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.17 | No | No | $11,996.23 | $3,900.56 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670743 | [Redacted] | [Redacted] | N/A | No | No | $2,873.21 | $2,873.21 | 7.375% | No | No | US Citizen | 3 | [redacted] | $6,372.60 | [redacted] | $531.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 684 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $155,486.53 | 29.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.81 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670830 | [Redacted] | [Redacted] | N/A | No | No | $1,682.48 | $1,682.48 | 7.375% | No | No | US Citizen | US Citizen | 3 | [redacted] | $6,769.08 | [redacted] | $564.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $269,206.44 | 62.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670831 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,130.00 | $6,434.01 | 9.330% | $944.04 | $944.04 | 8.750% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $3,425.08 | 1 | [redacted] | $763.32 | [redacted] | $63.61 | 34.966% | 34.966% | 34.966% | [Redacted] | 752 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,130.00 | 6.430% | $0.00 | 2.5 | None | Yes | No | 8.750% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $56,812.63 | 37.870% | No | 10 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.39 | No | $0.00 | $1,929.94 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670873 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,134.72 | 8.050% | $3,284.14 | $3,284.14 | 7.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $24,834.34 | 1 | [redacted] | $2,028.00 | [redacted] | $169.00 | 13.918% | 13.918% | 13.918% | [Redacted] | 771 | No | Yes | 12 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.260% | $7,503.19 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $109,757.74 | 19.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.18 | No | $0.00 | $5,248.53 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225671334 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,471.20 | $7,125.40 | 8.472% | $1,125.26 | $1,125.26 | 7.990% | No | No | Employed | Non-Permanent Resident Alien | India | $3,632.35 | 1 | [redacted] | $915.00 | [redacted] | $76.25 | 39.461% | 39.461% | 39.461% | [Redacted] | 744 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,471.20 | 6.410% | $35,000.00 | 1.0 | None | Yes | No | 7.990% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $47,512.83 | 22.620% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 3.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225671519 | [Redacted] | [Redacted] | N/A | No | No | $615.72 | $615.72 | 6.250% | No | No | Foreign National | 1 | [redacted] | $248.04 | [redacted] | $20.67 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.7 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $95,565.96 | 63.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 21.8 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225672808 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,687.75 | $4,733.95 | 7.365% | $2,609.32 | $2,609.32 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $36,913.14 | 1 | [redacted] | $945.00 | [redacted] | $78.75 | 12.400% | 12.400% | 12.400% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,687.75 | 6.260% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.250% | 0 | 0 | 2 | 0 | 2 | 1 | No | [redacted] | $50,980.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.93 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225675218 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,410.00 | $13,672.85 | 6.537% | $4,791.32 | $4,791.32 | 6.375% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $6,653.12 | 1 | [redacted] | $2,685.00 | [redacted] | $223.75 | 46.555% | 46.555% | 46.555% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,410.00 | 6.600% | $38,800.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $381,902.58 | 39.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 30.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677116 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,645.00 | $9,840.98 | 7.155% | $3,489.31 | $3,489.31 | 6.990% | No | No | Self-Employed | US Citizen | $30,695.43 | 1 | [redacted] | $663.36 | [redacted] | $55.28 | 36.678% | 36.678% | 36.678% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,645.00 | 6.370% | $0.00 | 3.3 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $174,720.46 | 24.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 10/02/2026 | $8,750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677319 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,960.00 | $4,854.70 | 7.042% | $1,708.01 | $1,708.01 | 6.875% | No | No | Self-Employed | US Citizen | $3,183.77 | 1 | [redacted] | $812.04 | [redacted] | $67.67 | 49.745% | 49.745% | 49.745% | [Redacted] | 768 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2015 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,960.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 1 | 0 | 2 | 0 | 15.00 | No | Other | [redacted] | $194,224.33 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677320 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,395.00 | $29,964.34 | 7.262% | $12,935.40 | $12,935.40 | 7.125% | No | No | Self-Employed | US Citizen | $42,579.86 | 1 | [redacted] | $5,513.04 | [redacted] | $459.42 | 32.997% | 32.997% | 32.997% | [Redacted] | 741 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 1 | 0 | 0 | [Redacted] | $29,395.00 | 6.300% | $14,050.00 | 1.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $685,835.57 | 28.570% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677323 | [Redacted] | [Redacted] | N/A | No | No | $19,940.00 | $25,201.74 | 7.643% | $6,181.54 | $6,181.54 | 7.375% | No | No | Employed | US Citizen | $6,890.02 | 1 | [redacted] | $850.80 | [redacted] | $70.90 | 49.970% | 49.970% | 49.970% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $19,940.00 | 6.300% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $396,995.81 | 37.450% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677324 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,056.25 | 6.458% | $5,196.84 | $5,196.84 | 6.375% | No | Yes | Employed | Self-Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $13,874.97 | 1 | [redacted] | $2,970.00 | [redacted] | $247.50 | 49.993% | 49.993% | 49.993% | [Redacted] | 793 | 805 | 820 | 812 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.410% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,696,478.37 | 100.000% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 145.61 | No | No | $21,264.92 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677325 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,674.00 | $4,537.45 | 8.223% | $1,454.41 | $1,454.41 | 7.990% | No | No | Self-Employed | US Citizen | $3,284.29 | 1 | [redacted] | $2,103.24 | [redacted] | $175.27 | 45.873% | 45.873% | 45.873% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,674.00 | 6.370% | $0.00 | 1.6 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677326 | [Redacted] | [Redacted] | N/A | No | No | $2,766.00 | $6,151.70 | 7.043% | $1,317.95 | $1,317.95 | 6.750% | No | No | Non-Employment Income | US Citizen | $4,374.92 | 1 | [redacted] | $447.96 | [redacted] | $37.33 | 47.063% | 47.063% | 47.063% | [Redacted] | 820 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,766.00 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $725,981.48 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 365.85 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677327 | [Redacted] | [Redacted] | N/A | No | No | $7,715.00 | $9,353.49 | 7.165% | $3,150.35 | $3,150.35 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $39,670.20 | 2 | [redacted] | $1,542.00 | [redacted] | $128.50 | 25.275% | 25.275% | 25.275% | [Redacted] | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,715.00 | 6.370% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.57 | No | No | $53,088.48 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677328 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,646.25 | $4,718.35 | 7.143% | $1,083.93 | $1,083.93 | 6.875% | No | No | Non-Employment Income | US Citizen | $4,840.47 | 1 | [redacted] | $1,035.96 | [redacted] | $86.33 | 39.494% | 39.494% | 39.494% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,646.25 | 6.300% | $3,000.00 | 3.1 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $684,117.82 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 199.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677329 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,881.95 | $5,831.40 | 7.598% | $1,148.10 | $1,148.10 | 7.250% | No | No | Self-Employed | US Citizen | $3,346.46 | 1 | [redacted] | $980.04 | [redacted] | $81.67 | 32.995% | 32.995% | 32.995% | [Redacted] | 733 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $4,881.95 | 6.260% | $0.00 | None | N/A | No | 7.250% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $17,656.79 | 8.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677336 | [Redacted] | [Redacted] | N/A | No | No | $1,153.41 | $1,153.41 | 7.125% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $834.00 | [redacted] | $69.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | 795 | 788 | 781 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $149,794.33 | 69.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677337 | [Redacted] | [Redacted] | N/A | No | No | $3,029.00 | $3,029.00 | 6.990% | No | No | US Citizen | 4 | [redacted] | $4,923.36 | [redacted] | $410.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | 240 | [redacted] | $172,817.79 | 26.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677338 | [Redacted] | [Redacted] | N/A | No | No | $977.01 | $977.01 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,593.96 | [redacted] | $132.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $55,250.70 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677353 | [Redacted] | [Redacted] | N/A | No | No | $2,594.38 | $6,665.81 | 6.558% | $2,007.30 | $2,007.30 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $17,541.95 | 1 | [redacted] | $3,747.72 | [redacted] | $312.31 | 24.432% | 24.432% | 24.432% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,594.38 | 6.420% | $3,500.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.375% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $259,722.50 | 60.540% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.96 | No | No | $0.00 | $9,992.19 | No | No | No | No | 2 | 360 | VE | 05/22/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677358 | [Redacted] | [Redacted] | N/A | No | No | $1,830.59 | $1,830.59 | 5.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $857.04 | [redacted] | $71.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | [redacted] | $120,182.15 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $2,481,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677363 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,995.00 | $0.00 | 6.864% | $6,671.11 | $6,671.11 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $16,535.02 | 1 | [redacted] | $2,056.44 | [redacted] | $171.37 | 44.388% | 44.388% | 44.388% | [Redacted] | 725 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Child Support]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2022 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $2,995.00 | 6.410% | $224,198.16 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | HELOC | No | [redacted] | $316,299.42 | 23.360% | No | 0 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.05 | No | $0.00 | $9,641.66 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678131 | [Redacted] | [Redacted] | N/A | No | No | $1,433.95 | $1,433.95 | 8.125% | No | No | US Citizen | 4 | [redacted] | $3,077.04 | [redacted] | $256.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | $94,093.19 | 36.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678152 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,355.40 | $6,006.30 | 7.848% | $1,191.46 | $1,191.46 | 7.500% | No | No | Employed | US Citizen | $2,499.12 | 1 | [redacted] | $369.00 | [redacted] | $30.75 | 42.328% | 42.328% | 42.328% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,355.40 | 6.410% | $0.00 | 1.1 | None | N/A | No | 7.500% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $75,412.22 | 35.400% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678394 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,290.00 | $3,890.25 | 7.279% | $1,610.19 | $1,610.19 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,577.85 | 1 | [redacted] | $1,336.56 | [redacted] | $111.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,290.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [redacted] | $1,177,580.53 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 226.87 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678415 | [Redacted] | [Redacted] | N/A | No | No | $931.09 | $931.09 | 8.375% | No | No | US Citizen | 2 | [redacted] | $1,149.96 | [redacted] | $95.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.48 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678665 | [Redacted] | [Redacted] | N/A | No | No | $2,169.88 | $2,169.88 | 7.990% | No | No | US Citizen | 1 | [redacted] | $2,391.96 | [redacted] | $199.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 643 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $31,390.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225682577 | [Redacted] | [Redacted] | N/A | No | No | $4,057.20 | $4,432.86 | 8.835% | $790.48 | $790.48 | 8.375% | No | No | Not Employed | Non-Employment Income | US Citizen | $6,412.41 | 1 | [redacted] | $933.96 | [redacted] | $77.83 | 40.702% | 40.702% | 40.702% | [Redacted] | 728 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Disability]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $4,057.20 | 6.430% | $7,500.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,373,359.97 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1247.24 | No | No | $10,813.81 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683082 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,946.00 | $3,507.40 | 7.105% | $1,860.97 | $1,860.97 | 6.990% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $5,628.86 | 1 | [redacted] | $2,445.00 | [redacted] | $203.75 | 37.355% | 37.355% | 37.355% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,946.00 | 6.260% | $3,000.00 | 3.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $289,659.82 | 80.460% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.28 | No | No | $1,508.67 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683217 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,265.00 | $6,547.28 | 6.799% | $935.80 | $935.80 | 6.375% | No | No | Non-Employment Income | US Citizen | $4,201.11 | 1 | [redacted] | $3,228.00 | [redacted] | $269.00 | 38.635% | 38.635% | 38.635% | [Redacted] | 737 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,265.00 | 6.300% | $0.00 | 1.3 | DU | ApproveEligible | No | No | 6.375% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,059,239.51 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 378.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683222 | [Redacted] | [Redacted] | Non QM | Yes | No | $955.00 | $6,885.65 | 7.929% | $7,732.87 | $7,732.87 | 7.875% | No | No | Non-Employment Income | US Citizen | $22,411.49 | 1 | [redacted] | $2,240.04 | [redacted] | $186.67 | 30.701% | 30.701% | 30.701% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $955.00 | 6.410% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,915,434.63 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 304.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683397 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $8,913.64 | 6.758% | $3,652.97 | $3,652.97 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,605.47 | 1 | [redacted] | $1,919.04 | [redacted] | $159.92 | 33.285% | 33.285% | 33.285% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.410% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 2 | 2 | 0 | 2 | 0 | No | [redacted] | $180,951.46 | 22.200% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.43 | No | No | $0.00 | $5,679.63 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683398 | [Redacted] | [Redacted] | N/A | No | Yes | $1,490.00 | $6,047.86 | 6.999% | $2,916.76 | $2,916.76 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $14,072.87 | 1 | [redacted] | $1,191.24 | [redacted] | $99.27 | 28.165% | 28.165% | 28.165% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.370% | $2,500.00 | 4.4 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $165,702.44 | 29.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.41 | No | No | $0.00 | $9,103.58 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683402 | [Redacted] | [Redacted] | N/A | No | No | $3,412.40 | $4,921.45 | 7.136% | $2,073.65 | $2,073.65 | 6.990% | No | No | Self-Employed | US Citizen | $48,727.50 | 1 | [redacted] | $1,014.00 | [redacted] | $84.50 | 26.763% | 26.763% | 26.763% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,412.40 | 6.410% | $0.00 | 2.9 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,171,552.00 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 489.96 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683403 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,595.00 | $11,258.80 | 7.250% | $7,875.00 | $11,371.02 | 7.608% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,238.92 | 1 | [redacted] | $5,526.96 | [redacted] | $460.58 | 42.835% | 32.960% | 42.835% | [Redacted] | 775 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,595.00 | 5.990% | $2,275.00 | 4.8 | None | No | No | 7.608% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,757,270.51 | 100.000% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 172.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683404 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,069.37 | $8,212.25 | 8.679% | $3,660.00 | $3,660.00 | 8.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $16,965.19 | 1 | [redacted] | $1,025.04 | [redacted] | $85.42 | 22.722% | 22.722% | 22.722% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,069.37 | 6.410% | $4,000.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $5,000.00 | 0.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 44.33 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683405 | [Redacted] | [Redacted] | N/A | No | No | $4,729.89 | $4,729.89 | 6.875% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | [redacted] | $2,253.00 | [redacted] | $187.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | 765 | 805 | 811 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $403,635.64 | 44.840% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683407 | [Redacted] | [Redacted] | N/A | No | No | $1,826.67 | $1,826.67 | 5.875% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | [redacted] | $1,445.04 | [redacted] | $120.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | 799 | 787 | 791 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $181,079.29 | 46.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683411 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,462.00 | $15,181.78 | 7.122% | $6,561.24 | $6,561.24 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $20,794.10 | 1 | [redacted] | $3,580.68 | [redacted] | $298.39 | 28.425% | 28.425% | 28.425% | [Redacted] | 780 | No | Yes | 12 | Business | 75.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,462.00 | 6.320% | $0.00 | 1.1 | None | No | No | 6.990% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $517,716.40 | 41.950% | Yes | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.69 | No | $0.00 | $7,166.66 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683413 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,350.00 | $7,602.66 | 7.429% | $2,062.50 | $2,920.94 | 7.594% | No | No | Non-Employment Income | US Citizen | $8,223.03 | 1 | [redacted] | $1,108.68 | [redacted] | $92.39 | 38.404% | 31.974% | 38.404% | [Redacted] | 780 | No | No | [Borrower - | Primary Income - IRA Distribution]; Other - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $6,350.00 | 6.100% | $0.00 | 1.0 | None | Yes | No | 7.594% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $1,204,012.79 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 293.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | AE | 12/04/2026 | $22,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683417 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,290.00 | $523.76 | 6.247% | $7,570.86 | $7,570.86 | 6.250% | No | No | Self-Employed | US Citizen | $16,147.03 | 1 | [redacted] | $1,821.96 | [redacted] | $151.83 | 44.697% | 44.697% | 44.697% | [Redacted] | 744 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,290.00 | 6.260% | $11,217.13 | 3.2 | None | No | No | 6.250% | 1 | 2 | 0 | 2 | 2 | 4.37 | No | [redacted] | $15,000.00 | 0.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.68 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683418 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,131.56 | $5,003.16 | 9.804% | $832.96 | $832.96 | 9.250% | No | No | Employed | Foreign National | $1,447.37 | 1 | [redacted] | $641.88 | [redacted] | $53.49 | 48.237% | 48.237% | 48.237% | [Redacted] | 0 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,131.56 | 6.320% | $0.00 | 1.0 | None | Yes | No | 9.250% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $40,446.20 | 29.960% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 16.78 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683419 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,450.66 | 7.317% | $5,742.41 | $6,107.67 | 7.612% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,764.80 | 1 | [redacted] | $2,832.00 | [redacted] | $236.00 | 43.814% | 42.069% | 43.814% | [Redacted] | 787 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 5.990% | $135,000.00 | 1.0 | None | No | No | 7.612% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Other | [redacted] | $326,204.31 | 30.200% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.95 | No | $1,300.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683715 | [Redacted] | [Redacted] | N/A | No | No | $12,740.29 | $12,740.29 | 7.625% | No | No | Foreign National | 1 | [redacted] | $13,907.64 | [redacted] | $1,158.97 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $63,862.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | No | 17.76 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683814 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,201.20 | $6,861.02 | 7.470% | $2,101.10 | $2,101.10 | 7.250% | No | No | Employed | US Citizen | $7,161.72 | 1 | [redacted] | $3,939.96 | [redacted] | $328.33 | 28.380% | 28.380% | 28.380% | [Redacted] | 692 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,201.20 | 6.420% | $0.00 | 3.6 | DU | ApproveEligible | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683816 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,183.78 | $12,475.76 | 8.166% | $5,246.56 | $5,246.56 | 7.990% | No | No | Self-Employed | Permanent Resident Alien | $50,382.89 | 1 | [redacted] | $2,411.28 | [redacted] | $200.94 | 16.875% | 16.875% | 16.875% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,183.78 | 6.410% | $5,000.00 | 1.2 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $83,000.00 | 9.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683817 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,960.00 | $5,888.65 | 6.924% | $6,779.51 | $6,779.51 | 6.875% | No | No | Self-Employed | US Citizen | $16,334.13 | 1 | [redacted] | $2,250.00 | [redacted] | $187.50 | 38.395% | 38.395% | 38.395% | [Redacted] | 707 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,960.00 | 6.260% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $46,930.27 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684248 | [Redacted] | [Redacted] | N/A | No | No | $2,790.00 | $4,359.90 | 7.435% | $884.91 | $884.91 | 6.750% | No | No | Non-Employment Income | US Citizen | $3,033.28 | 1 | [redacted] | $595.68 | [redacted] | $49.64 | 39.859% | 39.859% | 39.859% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,790.00 | 5.900% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,016,110.13 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 412.45 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | AE | 01/06/2027 | $5,250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684279 | [Redacted] | [Redacted] | N/A | No | No | $16,605.70 | $6,543.24 | 7.793% | $1,584.42 | $1,584.42 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,268.78 | 1 | [redacted] | $1,167.96 | [redacted] | $97.33 | 38.537% | 38.537% | 38.537% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,605.70 | 6.410% | $8,350.00 | 1.7 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $42,390.92 | 14.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 20.44 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684355 | [Redacted] | [Redacted] | N/A | No | No | $25,557.50 | $5,516.50 | 6.916% | $2,043.08 | $2,043.08 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,485.35 | 1 | [redacted] | $1,106.04 | [redacted] | $92.17 | 39.575% | 39.575% | 39.575% | [Redacted] | 742 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Audited P&L - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 2yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $25,557.50 | 6.260% | $6,200.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 16.00 | No | [redacted] | $26,515.14 | 6.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.52 | No | No | $5,366.47 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684830 | [Redacted] | [Redacted] | N/A | No | No | $555.02 | $555.02 | 8.125% | No | No | US Citizen | 1 | [redacted] | $648.96 | [redacted] | $54.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | $112,522.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 234.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225685822 | [Redacted] | [Redacted] | N/A | No | No | $1,507.20 | $1,507.20 | 6.500% | No | No | 0 | Foreign National | Not Provided | 1 | [redacted] | $1,045.32 | [redacted] | $87.11 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.81 | [redacted] | $146,554.23 | 43.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 14.31 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225685954 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,510.80 | $26,012.64 | 6.975% | $7,087.88 | $7,087.88 | 6.750% | No | No | Self-Employed | US Citizen | $26,945.87 | 1 | [redacted] | $6,490.92 | [redacted] | $540.91 | 32.120% | 32.120% | 32.120% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,510.80 | 6.120% | $0.00 | 5.0 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $21,286.53 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225685988 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,191.75 | $12,052.99 | 8.788% | $3,383.99 | $3,383.99 | 8.500% | No | No | Self-Employed | US Citizen | $11,633.07 | 1 | [redacted] | $2,976.00 | [redacted] | $248.00 | 27.327% | 27.327% | 27.327% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,191.75 | 6.320% | $9,780.00 | 2.5 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $88,113.23 | 18.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225686191 | [Redacted] | [Redacted] | N/A | No | No | $3,537.20 | $4,940.25 | 7.125% | $2,233.16 | $2,233.16 | 6.990% | No | No | Self-Employed | US Citizen | $45,912.42 | 1 | [redacted] | $1,425.96 | [redacted] | $118.83 | 30.665% | 30.665% | 30.665% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,537.20 | 6.410% | $0.00 | 2.9 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $314,649.79 | 74.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.15 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225686586 | [Redacted] | [Redacted] | N/A | No | No | $1,287.58 | $1,287.58 | 6.875% | No | No | US Citizen | 2 | [redacted] | $1,497.00 | [redacted] | $124.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225687154 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,683.58 | $707.62 | 8.651% | $1,779.78 | $1,779.78 | 8.625% | No | No | Employed | US Citizen | $4,233.51 | 1 | [redacted] | $1,322.04 | [redacted] | $110.17 | 45.236% | 45.236% | 45.236% | [Redacted] | 711 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,683.58 | 6.260% | $16,200.00 | 1.0 | None | No | No | 8.625% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $55,540.85 | 20.570% | No | 37 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225688276 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,461.25 | $6,390.61 | 7.204% | $1,944.05 | $1,944.05 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $17,782.97 | 1 | [redacted] | $845.52 | [redacted] | $70.46 | 28.523% | 28.523% | 28.523% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,461.25 | 6.320% | $2,500.00 | None | No | No | 6.990% | 2 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $566,730.05 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 167.44 | No | No | $0.00 | $9,845.71 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225688688 | [Redacted] | [Redacted] | N/A | No | No | $2,809.54 | $2,809.54 | 6.500% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $2,239.20 | [redacted] | $186.60 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.1 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.16 | 0.46 | [redacted] | $220,994.33 | 34.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 7.3 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689307 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,295.80 | $1,988.75 | 7.057% | $1,807.80 | $1,807.80 | 6.990% | No | No | Self-Employed | US Citizen | $5,506.79 | 1 | [redacted] | $1,534.56 | [redacted] | $127.88 | 41.097% | 41.097% | 41.097% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $3,295.80 | 6.410% | $8,412.57 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $131,547.82 | 38.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689336 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $0.00 | 7.222% | $8,159.06 | $8,762.34 | 7.592% | No | No | Employed | Not Employed | US Citizen | US Citizen | $60,866.84 | 1 | [redacted] | $504.96 | [redacted] | $42.08 | 25.112% | 24.369% | 25.112% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.060% | $52,000.00 | 4.2 | None | N/A | No | 7.592% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,376,686.62 | 61.400% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.34 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689345 | [Redacted] | [Redacted] | N/A | No | No | $1,993.83 | $1,993.83 | 6.990% | No | No | US Citizen | 1 | [redacted] | $354.00 | [redacted] | $29.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689573 | [Redacted] | [Redacted] | N/A | No | No | $2,667.73 | $2,667.73 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,716.96 | [redacted] | $143.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | 723 | 752 | 735 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689575 | [Redacted] | [Redacted] | N/A | No | No | $1,370.80 | $1,370.80 | 6.990% | No | No | US Citizen | 1 | [redacted] | $737.16 | [redacted] | $61.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $8,441.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689581 | [Redacted] | [Redacted] | N/A | No | No | $5,411.79 | $5,411.79 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $2,454.24 | [redacted] | $204.52 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | [redacted] | $341,753.39 | 30.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 13.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689582 | [Redacted] | [Redacted] | N/A | No | No | $3,360.18 | $3,360.18 | 7.125% | No | No | US Citizen | 1 | [redacted] | $4,092.48 | [redacted] | $341.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689584 | [Redacted] | [Redacted] | N/A | No | No | $2,245.94 | $2,245.94 | 6.375% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,520.04 | [redacted] | $126.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $367,328.18 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 262.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689587 | [Redacted] | [Redacted] | N/A | No | No | $5,124.05 | $5,124.05 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,976.64 | [redacted] | $164.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $508,321.13 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 208.4 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689588 | [Redacted] | [Redacted] | N/A | No | No | $1,120.55 | $1,120.55 | 6.625% | No | No | US Citizen | 1 | [redacted] | $3,534.96 | [redacted] | $294.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [redacted] | $230,088.89 | 92.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689591 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,775.00 | $22,253.53 | 7.107% | $6,010.90 | $6,010.90 | 6.875% | No | No | Self-Employed | US Citizen | $13,272.25 | 2 | [redacted] | $1,308.96 | [redacted] | $109.08 | 35.264% | 35.264% | 35.264% | [Redacted] | 776 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $19,775.00 | 6.300% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $64,707.53 | 5.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.61 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689595 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $11,096.70 | 6.533% | $4,055.15 | $4,055.15 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $8,441.24 | 1 | [redacted] | $3,204.36 | [redacted] | $267.03 | 46.896% | 46.896% | 46.896% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,165,290.91 | 68.540% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.01 | Yes | No | $0.00 | $4,583.32 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689596 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,390.00 | $11,841.75 | 6.759% | $5,332.19 | $5,332.19 | 6.625% | No | No | Employed | US Citizen | $10,412.80 | 1 | [redacted] | $1,800.60 | [redacted] | $150.05 | 44.664% | 44.664% | 44.664% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,390.00 | 6.320% | $242,997.66 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | HELOC | No | [redacted] | $320,692.03 | 28.310% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689617 | [Redacted] | [Redacted] | N/A | No | No | $12,993.00 | $13,880.55 | 8.149% | $3,822.57 | $3,822.57 | 7.875% | No | No | Self-Employed | US Citizen | $40,573.51 | 1 | [redacted] | $1,317.00 | [redacted] | $109.75 | 46.571% | 46.571% | 46.571% | [Redacted] | 745 | Yes | Yes | 36 | Business | 88.000% | 100.000% | [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $12,993.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $770,537.95 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 200.16 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689639 | [Redacted] | [Redacted] | N/A | No | No | $1,860.14 | $1,860.14 | 6.625% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $1,136.28 | [redacted] | $94.69 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $141,652.01 | 36.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 16.32 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689764 | [Redacted] | [Redacted] | N/A | No | No | $3,654.40 | $3,654.40 | 6.750% | No | No | US Citizen | 1 | [redacted] | $3,198.00 | [redacted] | $266.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 665 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.3 | 0.3 | [redacted] | $318,566.19 | 39.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689765 | [Redacted] | [Redacted] | N/A | No | No | $1,405.79 | $1,405.79 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $810.00 | [redacted] | $67.50 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $5,000.00 | 1.730% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 28.7 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689766 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,167.48 | $5,226.13 | 8.812% | $6,053.66 | $6,053.66 | 8.750% | No | No | Self-Employed | US Citizen | $15,891.26 | 1 | [redacted] | $3,789.96 | [redacted] | $315.83 | 42.268% | 46.011% | 42.268% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,167.48 | 6.210% | $500.00 | 1.2 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $101,357.29 | 11.850% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 05/27/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689880 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,520.00 | $6,769.08 | 7.138% | $2,924.38 | $2,924.38 | 6.990% | No | No | Self-Employed | US Citizen | $4,996.23 | 1 | [redacted] | $3,481.20 | [redacted] | $290.10 | 42.119% | 42.119% | 42.119% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,520.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $232,185.59 | 42.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690002 | [Redacted] | [Redacted] | N/A | No | No | $18,665.00 | $19,937.06 | 7.134% | $4,926.97 | $4,926.97 | 6.875% | No | No | Not Employed | Non-Employment Income | Employed | 8.98 | US Citizen | US Citizen | $21,240.59 | 4 | [redacted] | $5,531.28 | [redacted] | $460.94 | 38.964% | 38.964% | 38.964% | [Redacted] | 792 | 814 | 792 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $18,665.00 | 6.320% | $0.00 | None | No | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $0.00 | No | 28 | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.9 | No | No | $1,263.30 | $33,536.76 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690005 | [Redacted] | [Redacted] | N/A | No | No | $11,786.00 | $0.00 | 7.401% | $3,014.68 | $3,359.92 | 7.843% | No | No | Self-Employed | US Citizen | $53,791.91 | 1 | [redacted] | $2,158.20 | [redacted] | $179.85 | 30.683% | 30.976% | 30.683% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,786.00 | 6.200% | $24,000.00 | 1.0 | None | N/A | No | 7.843% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $480,863.93 | 72.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.88 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690458 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $1,421.45 | 7.151% | $2,667.49 | $2,667.49 | 7.125% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,531.63 | 1 | [redacted] | $480.00 | [redacted] | $40.00 | 40.669% | 40.669% | 40.669% | [Redacted] | 795 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.410% | $4,735.76 | 4.8 | None | No | No | 7.125% | 0 | 0 | 2 | 0 | 2 | 2 | 15.00 | No | [redacted] | $395,376.81 | 61.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.9 | No | No | $24,698.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690497 | [Redacted] | [Redacted] | N/A | No | No | $731.09 | $731.09 | 6.990% | No | No | US Citizen | 1 | [redacted] | $402.60 | [redacted] | $33.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.92 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | $59,966.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690557 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,009.80 | $4,563.78 | 6.188% | $7,740.69 | $7,740.69 | 6.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,290.79 | 1 | [redacted] | $2,475.00 | [redacted] | $206.25 | 42.154% | 42.154% | 42.154% | [Redacted] | 731 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2019 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020 [Coborrower(s) - | Primary Income - C-Corp]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - C-Corp]; Other - 2025 [Coborrower(s) - | Primary Income - C-Corp]; Paystubs - 2025 [Coborrower(s) - | Primary Income - C-Corp]; Paystubs - 2025 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2023 [Coborrower(s) - | Primary Income - C-Corp]; Third Party Verification - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $3,009.80 | 5.730% | $0.00 | 1.5 | DU | ApproveIneligible | No | No | 6.125% | 0 | 2 | 2 | 0 | 2 | 2 | 11.00 | No | [redacted] | $307,878.79 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.89 | No | No | $10,327.17 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225690966 | [Redacted] | [Redacted] | N/A | No | No | $1,362.06 | $1,362.06 | 6.750% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $495.00 | [redacted] | $41.25 | 0.000% | 0.000% | 0.000% | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $429,105.51 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 34.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225691240 | [Redacted] | [Redacted] | N/A | No | No | $744.39 | $744.39 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,385.04 | [redacted] | $115.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 670 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $1,600.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225691609 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $6,613.70 | 7.346% | $6,805.78 | $7,486.80 | 7.840% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $27,082.56 | 1 | [redacted] | $3,803.40 | [redacted] | $316.95 | 36.867% | 35.279% | 36.867% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.060% | $8,000.00 | 2.5 | None | Yes | No | 7.840% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $704,569.93 | 54.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.27 | No | $42,897.51 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225691831 | [Redacted] | [Redacted] | N/A | No | No | $1,584.48 | $1,584.48 | 6.990% | No | No | 0 | US Citizen | N/A | 1 | [redacted] | $584.28 | [redacted] | $48.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $219,278.50 | 73.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692092 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,244.38 | $14,685.28 | 7.189% | $4,934.89 | $4,934.89 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,600.41 | 1 | [redacted] | $1,246.80 | [redacted] | $103.90 | 49.640% | 49.640% | 49.640% | [Redacted] | 764 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,244.38 | 6.430% | $0.00 | 1.0 | None | No | No | 6.990% | 2 | 2 | 1 | 0 | 2 | 1 | 16.00 | No | Other | [redacted] | $175,396.69 | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | No | 32.8 | No | No | $0.00 | $8,930.13 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692101 | [Redacted] | [Redacted] | N/A | No | No | $1,739.53 | $1,739.53 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $811.80 | [redacted] | $67.65 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $465,630.31 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 170.06 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692193 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $0.00 | 6.982% | $3,190.23 | $3,190.23 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $9,833.05 | 1 | [redacted] | $1,638.00 | [redacted] | $136.50 | 28.789% | 28.789% | 28.789% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.420% | $11,902.52 | 2.6 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $175,298.80 | 29.210% | No | 26 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.03 | No | $0.00 | $7,833.33 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692202 | [Redacted] | [Redacted] | N/A | No | No | $1,739.55 | $1,739.55 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,230.48 | [redacted] | $102.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $82,560.39 | 24.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692204 | [Redacted] | [Redacted] | N/A | No | No | $666.95 | $666.95 | 8.625% | No | No | US Citizen | 1 | [redacted] | $774.00 | [redacted] | $64.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.62 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692264 | [Redacted] | [Redacted] | N/A | No | No | $1,203.57 | $1,203.57 | 7.750% | No | No | 0 | 0 | Non-Permanent Resident Alien | US Citizen | Non-Permanent Resident Alien | 1 | [redacted] | $1,355.04 | [redacted] | $112.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | 722 | 775 | 737 | 813 | 816 | 790 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $0.00 | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.17 | No | $0.00 | $0.00 | No | Yes | No | Yes | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692285 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,540.00 | $4,110.00 | 7.486% | $673.72 | $673.72 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $4,514.10 | 1 | [redacted] | $1,581.00 | [redacted] | $131.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,540.00 | 6.420% | $0.00 | 2.2 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $787,385.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 287.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692665 | [Redacted] | [Redacted] | N/A | No | No | $842.51 | $842.51 | 6.875% | No | No | US Citizen | 1 | [redacted] | $650.04 | [redacted] | $54.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $9.37 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692667 | [Redacted] | [Redacted] | N/A | No | No | $7,977.76 | $7,977.76 | 6.750% | No | No | 0 | US Citizen | 4 | [redacted] | $4,599.96 | [redacted] | $383.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $55,258.79 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692673 | [Redacted] | [Redacted] | N/A | No | No | $837.58 | $837.58 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $944.04 | [redacted] | $78.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 127.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692674 | [Redacted] | [Redacted] | N/A | No | No | $9,304.17 | $9,304.17 | 7.250% | No | No | 0 | US Citizen | 1 | [redacted] | $11,857.32 | [redacted] | $988.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.2 | 240 | [redacted] | $4,350,787.84 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 327.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692677 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,695.00 | $4,279.30 | 6.684% | $4,507.79 | $4,507.79 | 6.625% | No | No | Self-Employed | US Citizen | $20,340.88 | 1 | [redacted] | $4,675.92 | [redacted] | $389.66 | 45.450% | 45.450% | 45.450% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,695.00 | 6.420% | $5,000.00 | 4.0 | None | Yes | No | 6.625% | 2 | 1 | 0 | 3 | 1 | No | [redacted] | $1,122,837.50 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 161.34 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692683 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,531.71 | $11,998.52 | 7.149% | $4,798.46 | $4,798.46 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $25,767.77 | 1 | [redacted] | $1,763.40 | [redacted] | $146.95 | 25.050% | 25.050% | 25.050% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,531.71 | 6.420% | $20,000.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $218,087.48 | 24.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692692 | [Redacted] | [Redacted] | N/A | No | Yes | $6,865.00 | $7,810.97 | 6.547% | $2,667.04 | $2,667.04 | 6.375% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $47,862.19 | 1 | [redacted] | $810.00 | [redacted] | $67.50 | 23.437% | 23.437% | 23.437% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,865.00 | 6.320% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $802,511.28 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 190.52 | No | No | $55,670.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692693 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,768.85 | 6.911% | $3,993.60 | $3,993.60 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $13,636.18 | 1 | [redacted] | $2,078.04 | [redacted] | $173.17 | 40.908% | 40.908% | 40.908% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2019 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $0.00 | 1.5 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,278,871.91 | 100.000% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 220.07 | No | No | $0.00 | $12,158.17 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692694 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,337.39 | $26,317.39 | 8.402% | $4,321.43 | $4,321.43 | 7.990% | No | No | Self-Employed | US Citizen | $10,234.72 | 2 | [redacted] | $1,572.96 | [redacted] | $131.08 | 38.637% | 38.637% | 38.637% | [Redacted] | 748 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,337.39 | 6.420% | $7,000.00 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $62,720.51 | 9.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692695 | [Redacted] | [Redacted] | N/A | No | No | $62,601.10 | $3,224.07 | 7.141% | $6,747.68 | $9,956.18 | 7.647% | No | No | Not Employed | Employed | US Citizen | $27,618.96 | 1 | [redacted] | $9,171.84 | [redacted] | $764.32 | 23.033% | 19.228% | 23.033% | [Redacted] | 800 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $62,601.10 | 6.060% | $10,000.00 | 2.2 | None | No | No | 7.647% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $1,267,356.69 | 57.030% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.59 | No | No | $0.00 | $35,884.08 | No | No | No | No | 2 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692745 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,139.00 | $5,997.08 | 7.203% | $1,834.38 | $1,834.38 | 6.990% | No | No | Self-Employed | US Citizen | $11,075.07 | 1 | [redacted] | $2,140.44 | [redacted] | $178.37 | 45.995% | 45.995% | 45.995% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,139.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $94,986.53 | 27.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.2 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692772 | [Redacted] | [Redacted] | N/A | No | No | $4,486.26 | $4,486.26 | 6.990% | No | No | US Citizen | 1 | [redacted] | $3,111.00 | [redacted] | $259.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $207,333.94 | 23.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692813 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,490.00 | $4,410.00 | 7.696% | $4,190.14 | $4,190.14 | 7.625% | No | Yes | Employed | Employed | US Citizen | US Citizen | $23,219.21 | 1 | [redacted] | $915.60 | [redacted] | $76.30 | 46.325% | 46.325% | 46.325% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,490.00 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $106,679.89 | 14.410% | No | 28 | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.89 | No | No | $0.00 | $35,616.51 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692885 | [Redacted] | [Redacted] | Non QM | Yes | No | $32,640.00 | $35,460.64 | 7.186% | $7,357.60 | $7,357.60 | 6.875% | No | No | Self-Employed | US Citizen | $38,223.12 | 1 | [redacted] | $3,396.36 | [redacted] | $283.03 | 40.056% | 40.056% | 40.056% | [Redacted] | 718 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $32,640.00 | 6.300% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $733,078.58 | 45.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693020 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,404.10 | $3,010.24 | 7.532% | $728.56 | $728.56 | 7.250% | No | No | Self-Employed | US Citizen | $41,197.04 | 1 | [redacted] | $1,322.04 | [redacted] | $110.17 | 7.015% | 7.015% | 7.015% | [Redacted] | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,404.10 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $81,597.94 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 179.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693036 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,187.00 | $11,854.96 | 9.309% | $3,267.06 | $3,267.06 | 8.990% | No | No | Employed | Non-Permanent Resident Alien | $4,697.48 | 1 | [redacted] | $2,724.96 | [redacted] | $227.08 | 44.501% | 44.501% | 44.501% | [Redacted] | 644 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $14,187.00 | 6.420% | $18,510.00 | None | Yes | No | 8.990% | 2 | 2 | 0 | 4 | 2 | 0.00 | No | [redacted] | $140,025.76 | 27.560% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 7.31 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693037 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,830.00 | $7,775.44 | 7.054% | $2,732.82 | $2,732.82 | 6.875% | No | No | Self-Employed | US Citizen | $15,121.01 | 1 | [redacted] | $2,889.00 | [redacted] | $240.75 | 32.577% | 32.577% | 32.577% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,830.00 | 6.320% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $358,595.87 | 68.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.96 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693039 | [Redacted] | [Redacted] | N/A | No | No | $1,015.34 | $1,015.34 | 6.375% | No | No | US Citizen | US Citizen | 1 | [redacted] | $945.00 | [redacted] | $78.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $74,471.69 | 34.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693145 | [Redacted] | [Redacted] | N/A | No | No | $1,356.56 | $1,356.56 | 6.750% | No | No | 0 | Foreign National | Not Provided | 1 | [redacted] | $903.96 | [redacted] | $75.33 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $277,852.72 | 99.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 112.04 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225694905 | [Redacted] | [Redacted] | N/A | No | No | $3,414.54 | $3,414.54 | 6.990% | No | No | US Citizen | 1 | [redacted] | $4,621.44 | [redacted] | $385.12 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $75,453.69 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225694948 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,595.00 | $17,645.06 | 7.046% | $10,218.70 | $10,218.70 | 6.990% | No | No | Non-Employment Income | US Citizen | $16,605.24 | 1 | [redacted] | $1,272.12 | [redacted] | $106.01 | 43.202% | 43.202% | 43.202% | [Redacted] | 759 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,595.00 | 6.410% | $0.00 | None | No | No | 6.990% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,456,520.21 | 100.000% | No | 8 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 152.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225695286 | [Redacted] | [Redacted] | N/A | No | No | $1,574.19 | $1,574.19 | 7.375% | No | No | US Citizen | 1 | [redacted] | $2,270.04 | [redacted] | $189.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $103,583.78 | 36.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 16.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696143 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,155.00 | $13,157.70 | 8.769% | $7,435.67 | $7,435.67 | 8.625% | No | No | Self-Employed | Non-Permanent Resident Alien | $90,079.59 | 1 | [redacted] | $3,029.04 | [redacted] | $252.42 | 8.317% | 8.317% | 8.317% | [Redacted] | 668 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,155.00 | 6.060% | $0.00 | 4.5 | None | No | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $124,644.58 | 10.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | FICO Risk Score Classic 04 | Employment Authorization | 71.66 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696147 | [Redacted] | [Redacted] | N/A | No | No | $940.78 | $940.78 | 7.875% | No | No | US Citizen | 1 | [redacted] | $780.96 | [redacted] | $65.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696390 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,830.96 | $4,967.49 | 7.113% | $1,339.48 | $1,339.48 | 6.875% | No | No | Self-Employed | US Citizen | $2,638.63 | 1 | [redacted] | $1,213.32 | [redacted] | $101.11 | 49.220% | 49.220% | 49.220% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Trust Income]; Account Statements - 2026 [Borrower - | Non-Primary Income - Trust Income]; Account Statements - 2026 [Borrower - | Non-Primary Income - Trust Income]; Trustee's Statement - 2026 [Borrower - | Non-Primary Income - Trust Income]; Trustee's Statement - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,830.96 | 6.420% | $13,617.03 | 2.2 | None | No | No | 6.875% | 0 | 2 | 0 | 2 | 2 | No | [redacted] | $2,225,118.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 998.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696434 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,723.75 | $16,201.20 | 8.497% | $9,918.94 | $9,918.94 | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $27,291.54 | 1 | [redacted] | $4,543.80 | [redacted] | $378.65 | 41.812% | 41.812% | 41.812% | [Redacted] | 807 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Personal - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,723.75 | 6.420% | $0.00 | 2.0 | None | No | No | 8.375% | 0 | 2 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $579,830.17 | 39.980% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.48 | No | No | $21,500.00 | $3,902.50 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696454 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,080.48 | 7.040% | $3,163.64 | $3,163.64 | 6.990% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $5,134.78 | 1 | [redacted] | $1,872.96 | [redacted] | $156.08 | 46.654% | 46.654% | 46.654% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.600% | $0.00 | 1.0 | None | Yes | No | 6.990% | 1 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $71,504.63 | No | 10 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.28 | No | $4,180.83 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696527 | [Redacted] | [Redacted] | N/A | No | No | $1,862.67 | $1,862.67 | 7.750% | No | No | 0 | US Citizen | 1 | [redacted] | $1,523.04 | [redacted] | $126.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $34,313.43 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696690 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $7,337.50 | $12,084.30 | 7.015% | $2,432.24 | $2,432.24 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $4,996.40 | 1 | [redacted] | $3,691.44 | [redacted] | $307.62 | 43.809% | 43.809% | 43.809% | [Redacted] | 723 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,337.50 | 6.320% | $0.00 | 4.0 | DU | ApproveEligible | No | No | 6.750% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | No | [redacted] | $525.00 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $2,835.49 | No | No | No | No | 1 | 360 | AH | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696828 | [Redacted] | [Redacted] | N/A | No | No | $1,556.64 | $1,556.64 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $870.00 | [redacted] | $72.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | 808 | 820 | 796 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696832 | [Redacted] | [Redacted] | N/A | No | No | $19,458.13 | $11,765.76 | 6.030% | $1,102.93 | $1,102.93 | 5.500% | No | No | Employed | US Citizen | $5,791.70 | 1 | [redacted] | $1,358.88 | [redacted] | $113.24 | 48.651% | 48.651% | 48.651% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $19,458.13 | 6.300% | $8,255.00 | 1.0 | None | No | No | 5.500% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $244,120.47 | 94.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 117.85 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225696881 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | Foreign National | 1 | [redacted] | $770.64 | [redacted] | $64.22 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $165,891.90 | 64.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 27.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697519 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,998.00 | $19,221.80 | 9.225% | $4,010.05 | $4,010.05 | 8.875% | No | No | Self-Employed | US Citizen | $71,301.92 | 1 | [redacted] | $1,875.00 | [redacted] | $156.25 | 12.329% | 12.329% | 12.329% | [Redacted] | 703 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,998.00 | 6.410% | $0.00 | 1.4 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $112,515.63 | 20.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697590 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,134.18 | 7.026% | $3,190.23 | $3,190.23 | 6.990% | No | No | Self-Employed | US Citizen | $7,035.39 | 1 | [redacted] | $2,842.92 | [redacted] | $236.91 | 39.289% | 39.289% | 39.289% | [Redacted] | 744 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.320% | $30,000.00 | 3.7 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $137,162.61 | 22.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697607 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $0.00 | 7.303% | $11,650.00 | $16,224.16 | 7.592% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,508.87 | 1 | [redacted] | $2,677.56 | [redacted] | $223.13 | 49.840% | 38.653% | 49.840% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.090% | $105,000.00 | 3.0 | None | No | No | 7.592% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | 240 | [redacted] | $587,095.50 | 23.480% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.78 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697630 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,983.00 | $3,250.81 | 7.631% | $884.06 | $884.06 | 7.375% | No | No | Not Employed | Employed | US Citizen | US Citizen | $7,238.60 | 1 | [redacted] | $988.32 | [redacted] | $82.36 | 33.182% | 33.182% | 33.182% | [Redacted] | 790 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,983.00 | 6.320% | $9,600.00 | None | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $178,288.84 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.53 | No | No | $0.00 | $10,833.33 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697681 | [Redacted] | [Redacted] | N/A | No | No | $1,792.87 | $1,792.87 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,554.00 | [redacted] | $129.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.51 | [redacted] | $169,186.80 | 48.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697695 | [Redacted] | [Redacted] | N/A | No | No | $1,365.27 | $1,365.27 | 6.500% | No | No | US Citizen | 1 | [redacted] | $1,356.72 | [redacted] | $113.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $161,521.97 | 59.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697698 | [Redacted] | [Redacted] | N/A | No | No | $1,497.80 | $1,497.80 | 6.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,631.04 | [redacted] | $135.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | $22,350.45 | 7.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697699 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,421.25 | $13,882.55 | 7.543% | $11,279.47 | $12,412.93 | 7.844% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $86,791.73 | 1 | [redacted] | $32,271.96 | [redacted] | $2,689.33 | 38.984% | 39.683% | 38.984% | [Redacted] | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,421.25 | 6.210% | $0.00 | 2.6 | None | No | No | 7.844% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $212,152.95 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.3 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697700 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,386.60 | $0.00 | 6.868% | $2,814.81 | $2,814.81 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $51,897.35 | 1 | [redacted] | $894.00 | [redacted] | $74.50 | 7.412% | 7.412% | 7.412% | [Redacted] | 787 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,386.60 | 6.420% | $15,690.74 | 1.7 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $226,805.89 | 42.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.76 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697985 | [Redacted] | [Redacted] | N/A | No | No | $7,955.91 | $7,955.91 | 8.250% | No | No | US Citizen | 1 | [redacted] | $3,236.04 | [redacted] | $269.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.53 | 1.88 | [redacted] | $1,230,045.09 | 87.110% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697987 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,629.00 | $8,077.43 | 7.193% | $2,685.11 | $2,685.11 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,322.99 | 1 | [redacted] | $1,731.96 | [redacted] | $144.33 | 31.436% | 31.436% | 31.436% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,629.00 | 6.320% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $125,407.89 | 24.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697995 | [Redacted] | [Redacted] | N/A | No | No | $1,259.61 | $1,259.61 | 6.990% | No | No | US Citizen | 2 | [redacted] | $1,937.04 | [redacted] | $161.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $40,198.46 | 16.960% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698068 | [Redacted] | [Redacted] | N/A | No | No | $1,731.75 | $1,731.75 | 5.750% | No | No | US Citizen | 1 | [redacted] | $488.04 | [redacted] | $40.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $107,162.91 | 28.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698069 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,673.00 | $21,419.82 | 7.282% | $12,481.65 | $13,405.42 | 7.592% | No | No | Employed | US Citizen | $47,230.83 | 1 | [redacted] | $8,547.00 | [redacted] | $712.25 | 30.028% | 28.660% | 30.028% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $4,673.00 | 5.990% | $0.00 | 4.9 | None | No | No | 7.592% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 121.91 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698072 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,369.85 | $1,975.31 | 7.196% | $2,303.61 | $2,444.95 | 7.590% | No | No | Employed | US Citizen | $5,368.08 | 1 | [redacted] | $2,261.04 | [redacted] | $188.42 | 35.583% | 33.887% | 35.583% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,369.85 | 6.030% | $10,000.00 | 1.0 | None | Yes | No | 7.590% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $197,837.02 | 45.410% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698074 | [Redacted] | [Redacted] | N/A | No | No | $1,775.00 | $4,397.03 | 7.063% | $2,259.75 | $2,259.75 | 6.990% | No | No | Self-Employed | Permanent Resident Alien | $4,638.96 | 1 | [redacted] | $1,941.96 | [redacted] | $161.83 | 28.631% | 28.631% | 28.631% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $1,775.00 | 6.320% | $8,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 1 | 0 | 2 | 1 | No | [redacted] | $163,342.11 | 38.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | Resident Alien Card | 29.27 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698094 | [Redacted] | [Redacted] | N/A | No | No | $1,509.32 | $1,509.32 | 7.250% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,239.96 | [redacted] | $103.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698095 | [Redacted] | [Redacted] | N/A | No | No | $2,370.26 | $2,370.26 | 6.500% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,997.04 | [redacted] | $166.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $202,658.11 | 36.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698105 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,818.75 | $21,293.35 | 7.256% | $7,579.33 | $7,579.33 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $355,668.36 | 1 | [redacted] | $3,345.96 | [redacted] | $278.83 | 5.819% | 5.819% | 5.819% | [Redacted] | 789 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,818.75 | 6.320% | $0.00 | 2.2 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $359,914.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 15.4 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698106 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,552.50 | $6,608.05 | 7.676% | $9,555.22 | $9,555.22 | 7.625% | No | Yes | Employed | Employed | US Citizen | US Citizen | $32,444.92 | 1 | [redacted] | $6,861.00 | [redacted] | $571.75 | 37.251% | 37.251% | 37.251% | [Redacted] | 788 | No | Yes | 12 | Business | 60.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,552.50 | 6.300% | $23,300.00 | 5.0 | None | No | No | 7.625% | 2 | 1 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | [redacted] | $185,392.05 | 12.350% | No | 28 | 11 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.65 | Yes | No | $0.00 | $9,301.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698111 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $12,103.18 | 6.923% | $7,521.83 | $7,521.83 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $10,321.37 | 1 | [redacted] | $3,573.48 | [redacted] | $297.79 | 48.247% | 48.247% | 48.247% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.420% | $0.00 | 1.4 | None | Yes | No | 6.875% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $707,564.61 | 43.010% | No | 24 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.59 | Yes | No | $0.00 | $3,042.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698112 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,597.10 | 6.839% | $1,685.71 | $1,685.71 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $23,695.89 | 1 | [redacted] | $2,547.24 | [redacted] | $212.27 | 31.284% | 31.284% | 31.284% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.320% | $7,198.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $637,326.33 | 100.000% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 196.21 | No | No | $0.00 | $21,666.67 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698115 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,736.86 | 7.242% | $10,642.25 | $11,431.01 | 7.593% | No | No | Employed | US Citizen | $18,264.31 | 1 | [redacted] | $6,833.04 | [redacted] | $569.42 | 45.068% | 42.696% | 45.068% | [Redacted] | 777 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.040% | $0.00 | 1.7 | None | No | No | 7.593% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,867,906.61 | 100.000% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698116 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,763.88 | $0.00 | 5.869% | $1,826.64 | $1,826.64 | 5.875% | No | No | Self-Employed | US Citizen | $87,983.92 | 1 | [redacted] | $1,356.12 | [redacted] | $113.01 | 4.176% | 4.176% | 4.176% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,763.88 | 6.410% | $30,300.61 | 1.0 | None | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.59 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698120 | [Redacted] | [Redacted] | N/A | No | No | $1,944.51 | $1,944.51 | 6.875% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [redacted] | $5,184.12 | [redacted] | $432.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | 794 | 784 | 797 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $284,662.15 | 76.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Trustee | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698125 | [Redacted] | [Redacted] | N/A | No | No | $1,856.25 | $1,856.25 | 6.750% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,260.00 | [redacted] | $105.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | 240 | [redacted] | $5,000.00 | 1.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698198 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,044.98 | 7.436% | $3,108.04 | $3,108.04 | 7.375% | No | No | Not Employed | Employed | US Citizen | $11,989.74 | 1 | [redacted] | $611.04 | [redacted] | $50.92 | 49.646% | 49.646% | 49.646% | [Redacted] | 815 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $0.00 | 1.1 | None | Yes | No | 7.375% | 0 | 2 | 2 | 0 | 3 | 1 | 0.00 | No | [redacted] | $0.00 | No | 27 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.28 | No | No | $15,477.74 | $8,333.32 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698269 | [Redacted] | [Redacted] | N/A | No | No | $10,592.18 | $10,592.18 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $5,398.44 | [redacted] | $449.87 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | 775 | 773 | 774 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.9 | 240 | [redacted] | $42,464.45 | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698611 | [Redacted] | [Redacted] | N/A | No | No | $8,120.00 | $5,451.65 | 6.826% | $3,619.18 | $3,619.18 | 6.750% | No | No | Self-Employed | US Citizen | $7,817.06 | 1 | [redacted] | $1,329.72 | [redacted] | $110.81 | 48.342% | 48.342% | 48.342% | [Redacted] | 785 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,120.00 | 6.320% | $0.00 | 3.8 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $210,253.41 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 48.21 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698651 | [Redacted] | [Redacted] | N/A | No | No | $13,145.00 | $9,144.97 | 7.416% | $908.04 | $908.04 | 6.750% | No | No | Employed | US Citizen | $5,003.91 | 1 | [redacted] | $933.00 | [redacted] | $77.75 | 7.573% | 7.573% | 7.573% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $13,145.00 | 6.410% | $239,000.00 | 2.6 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $501,120.30 | 57.330% | No | 19 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698784 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,417.81 | $12,616.76 | 9.006% | $1,874.23 | $1,874.23 | 8.500% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $3,271.04 | 1 | [redacted] | $1,911.96 | [redacted] | $159.33 | 49.860% | 49.860% | 49.860% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,417.81 | 6.410% | $0.00 | 1.1 | None | Yes | No | 8.500% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $113,255.34 | 34.840% | No | 28 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 6.66 | No | $0.00 | $3,723.65 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698824 | [Redacted] | [Redacted] | N/A | No | No | $1,774.48 | $1,774.48 | 7.250% | No | No | US Citizen | 1 | [redacted] | $968.04 | [redacted] | $80.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $1,690,856.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 645.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698829 | [Redacted] | [Redacted] | N/A | No | No | $4,083.20 | $6,357.97 | 7.123% | $2,206.58 | $2,206.58 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $16,448.26 | 1 | [redacted] | $684.96 | [redacted] | $57.08 | 31.255% | 31.255% | 31.255% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,083.20 | 6.600% | $8,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $322,991.53 | 77.820% | No | 28 | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.2 | No | No | $0.00 | $14,583.33 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698956 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $2,819.38 | 7.281% | $1,185.74 | $1,185.74 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $5,833.33 | 1 | [redacted] | $2,286.00 | [redacted] | $190.50 | 45.441% | 45.441% | 45.441% | [Redacted] | 777 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.300% | $4,400.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.125% | 2 | 2 | 1 | 0 | 2 | 0 | No | [redacted] | $278,963.06 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 148.39 | No | No | $5,490.08 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225699384 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,116.00 | $10,400.31 | 7.369% | $2,856.57 | $2,856.57 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $18,927.20 | 1 | [redacted] | $1,648.08 | [redacted] | $137.34 | 16.021% | 16.021% | 16.021% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,116.00 | 6.320% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,750.65 | 1.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225699388 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,101.25 | $7,223.35 | 6.870% | $2,626.82 | $2,626.82 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,869.54 | 1 | [redacted] | $2,055.36 | [redacted] | $171.28 | 29.291% | 29.291% | 29.291% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,101.25 | 6.260% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.89 | No | $11,240.83 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225701790 | [Redacted] | [Redacted] | N/A | No | No | $25,580.00 | $5,526.81 | 7.562% | $2,317.50 | $3,405.31 | 7.840% | No | No | Self-Employed | US Citizen | $41,564.89 | 1 | [redacted] | $1,725.96 | [redacted] | $143.83 | 35.086% | 34.459% | 35.086% | [Redacted] | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,580.00 | 6.190% | $0.00 | 1.1 | None | N/A | No | 7.840% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $209,510.04 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.87 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225701886 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,996.56 | $8,224.70 | 9.717% | $2,647.93 | $2,647.93 | 9.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $8,220.39 | 1 | [redacted] | $1,284.12 | [redacted] | $107.01 | 30.530% | 30.530% | 30.530% | [Redacted] | 714 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,996.56 | 6.320% | $0.00 | 1.0 | None | Yes | No | 9.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $78,400.72 | 22.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.88 | No | $11,832.99 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702455 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $6,526.00 | $7,202.90 | 7.135% | $3,296.57 | $3,296.57 | 6.990% | No | No | Employed | US Citizen | $8,599.92 | 1 | [redacted] | $3,221.64 | [redacted] | $268.47 | 38.337% | 38.337% | 38.337% | [Redacted] | 748 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,526.00 | 6.420% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702461 | [Redacted] | [Redacted] | N/A | No | No | $2,090.88 | $2,028.10 | 6.852% | $4,193.51 | $4,193.51 | 6.875% | No | No | Employed | US Citizen | $19,407.58 | 1 | [redacted] | $2,031.96 | [redacted] | $169.33 | 35.355% | 35.355% | 35.355% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.88 | 6.300% | $14,731.66 | 3.7 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $181,409.70 | 24.150% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.47 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702800 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,525.65 | $10,724.19 | 7.185% | $2,865.89 | $2,865.89 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,650.89 | 1 | [redacted] | $1,943.04 | [redacted] | $161.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,525.65 | 6.300% | $2,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $878,559.07 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 234.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702885 | [Redacted] | [Redacted] | N/A | No | No | $9,790.00 | $15,702.34 | 7.607% | $3,987.79 | $4,335.99 | 7.840% | No | No | Self-Employed | US Citizen | $317,824.75 | 1 | [redacted] | $789.96 | [redacted] | $65.83 | 9.941% | 9.842% | 9.941% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,790.00 | 6.090% | $0.00 | 1.0 | None | No | No | 7.840% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $448,492.79 | 53.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702888 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,577.12 | $9,112.04 | 8.638% | $1,968.32 | $1,968.32 | 8.250% | No | No | Self-Employed | US Citizen | $25,013.02 | 1 | [redacted] | $3,225.96 | [redacted] | $268.83 | 16.417% | 16.417% | 16.417% | [Redacted] | 634 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $8,577.12 | 6.320% | $0.00 | 1.9 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702889 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $1,690.00 | $2,990.14 | 9.765% | $840.89 | $840.89 | 9.500% | No | No | Non-Employment Income | US Citizen | $1,399.53 | 1 | [redacted] | $729.96 | [redacted] | $60.83 | 41.820% | 41.820% | 41.820% | [Redacted] | 768 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 [Borrower - | Non-Primary Income - Child Support]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.410% | $2,724.87 | 1.2 | None | No | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $19,879.98 | 17.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702892 | [Redacted] | [Redacted] | N/A | No | No | $788.05 | $788.05 | 7.750% | No | No | US Citizen | 2 | [redacted] | $937.80 | [redacted] | $78.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702903 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,586.60 | $7,009.02 | 7.879% | $1,644.49 | $1,644.49 | 7.625% | No | No | Self-Employed | US Citizen | $4,146.24 | 1 | [redacted] | $759.96 | [redacted] | $63.33 | 45.909% | 45.909% | 45.909% | [Redacted] | 669 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,586.60 | 6.260% | $9,419.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $80,709.18 | 27.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702905 | [Redacted] | [Redacted] | N/A | No | No | $13,695.00 | $5,012.64 | 6.903% | $1,569.61 | $1,569.61 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,141.33 | 1 | [redacted] | $732.84 | [redacted] | $61.07 | 44.778% | 44.778% | 44.778% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $13,695.00 | 6.420% | $0.00 | None | No | No | 6.750% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,687,025.30 | 100.000% | No | 27 | 28 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 505.51 | No | No | $0.00 | $6,643.65 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702906 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,559.00 | $5,748.94 | 7.231% | $3,819.98 | $3,819.98 | 7.125% | No | No | Self-Employed | US Citizen | $57,629.77 | 1 | [redacted] | $2,748.96 | [redacted] | $229.08 | 28.253% | 28.253% | 28.253% | [Redacted] | 743 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,559.00 | 6.320% | $0.00 | 1.3 | None | Yes | No | 7.125% | 0 | 2 | 0 | 3 | 2 | 15.97 | No | [redacted] | $72,699.39 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702908 | [Redacted] | [Redacted] | N/A | No | No | $14,920.00 | $3,522.00 | 7.532% | $1,631.72 | $1,631.72 | 7.375% | No | No | Self-Employed | US Citizen | $14,285.38 | 1 | [redacted] | $1,539.00 | [redacted] | $128.25 | 35.817% | 35.817% | 35.817% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,920.00 | 6.370% | $0.00 | 3.2 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.26 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702910 | [Redacted] | [Redacted] | N/A | No | No | $5,722.47 | $5,722.47 | 6.990% | No | No | Foreign National | 1 | [redacted] | $2,132.28 | [redacted] | $177.69 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.22 | [redacted] | $517,202.40 | 42.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | 12.5 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702912 | [Redacted] | [Redacted] | N/A | No | No | $2,858.47 | $2,858.47 | 6.250% | No | No | Permanent Resident Alien | 4 | [redacted] | $4,058.04 | [redacted] | $338.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $221,388.91 | 34.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702913 | [Redacted] | [Redacted] | N/A | No | No | $1,127.64 | $1,127.64 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $785.04 | [redacted] | $65.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | 767 | 783 | 766 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $950,803.09 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 501.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225703771 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,417.63 | $5,321.13 | 7.183% | $1,791.18 | $1,791.18 | 6.990% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $3,178.81 | 1 | [redacted] | $1,139.04 | [redacted] | $94.92 | 42.231% | 42.231% | 42.231% | [Redacted] | 748 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,417.63 | 6.410% | $115,000.00 | 1.9 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $121,707.60 | 31.610% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 50.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225703811 | [Redacted] | [Redacted] | N/A | No | No | $908.41 | $908.41 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,332.12 | [redacted] | $111.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | $52,130.94 | 32.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225703814 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,880.00 | $5,624.55 | 6.861% | $2,205.23 | $2,205.23 | 6.750% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $3,875.97 | 1 | [redacted] | $1,606.80 | [redacted] | $133.90 | 48.385% | 48.385% | 48.385% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $2,880.00 | 6.320% | $81,500.00 | 1.0 | None | Yes | No | 6.750% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $300,127.95 | 44.130% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 17.86 | Yes | No | $2,985.27 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225703816 | [Redacted] | [Redacted] | N/A | No | No | $626.12 | $626.12 | 8.625% | No | No | US Citizen | 1 | [redacted] | $674.52 | [redacted] | $56.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 93.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225703959 | [Redacted] | [Redacted] | N/A | No | No | $886.85 | $886.85 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $918.96 | [redacted] | $76.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $128,311.07 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 111.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225706261 | [Redacted] | [Redacted] | Non QM | Yes | No | $28,040.00 | $14,601.04 | 7.127% | $6,779.24 | $6,779.24 | 6.990% | No | No | Employed | US Citizen | $8,911.66 | 1 | [redacted] | $429.96 | [redacted] | $35.83 | 49.076% | 49.076% | 49.076% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $28,040.00 | 6.410% | $15,000.00 | 999.0 | None | No | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $215,159.59 | 16.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225706713 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $11,435.45 | 6.982% | $4,598.50 | $4,598.50 | 6.875% | No | No | Self-Employed | US Citizen | $37,404.30 | 1 | [redacted] | $4,622.52 | [redacted] | $385.21 | 28.894% | 28.894% | 28.894% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.320% | $6,800.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,467,732.59 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 445.67 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225706714 | [Redacted] | [Redacted] | N/A | No | No | $2,533.18 | $2,533.18 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $948.00 | [redacted] | $79.00 | 0.000% | 0.000% | 0.000% | 790 | 790 | 821 | 790 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $391,345.51 | 83.260% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 95.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707020 | [Redacted] | [Redacted] | N/A | No | No | $18,996.69 | $5,412.73 | 8.696% | $2,252.91 | $2,252.91 | 8.500% | No | No | Not Employed | Employed | Employed | 3.21 | US Citizen | US Citizen | $9,328.27 | 1 | [redacted] | $7,779.00 | [redacted] | $648.25 | 41.790% | 41.790% | 41.790% | [Redacted] | 695 | 748 | 759 | 743 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,996.69 | 6.320% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.99 | No | No | $0.00 | $16,025.30 | No | No | No | No | 2 | 360 | AE | 04/10/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707031 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,823.16 | 7.067% | $2,445.84 | $2,445.84 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $15,554.67 | 1 | [redacted] | $1,696.56 | [redacted] | $141.38 | 42.107% | 42.107% | 42.107% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.260% | $0.00 | 4.2 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | [redacted] | $2,521,025.56 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 692.12 | No | No | $10,087.10 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707039 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,347.00 | 7.075% | $3,187.50 | $4,868.23 | 7.594% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $21,192.86 | 1 | [redacted] | $12,791.88 | [redacted] | $1,065.99 | 31.191% | 25.734% | 31.191% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.060% | $0.00 | 1.6 | None | No | No | 7.594% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $4,093,393.09 | 100.000% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 315.39 | No | $13,576.92 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707138 | [Redacted] | [Redacted] | N/A | No | No | $3,435.74 | $3,435.74 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,866.96 | [redacted] | $155.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $105,801.77 | 15.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707149 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,605.30 | $3,517.16 | 6.708% | $1,017.63 | $1,017.63 | 6.500% | No | No | Self-Employed | US Citizen | $1,362.48 | 1 | [redacted] | $925.80 | [redacted] | $77.15 | 49.864% | 49.864% | 49.864% | [Redacted] | 751 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,605.30 | 6.260% | $8,320.00 | 3.5 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $53,027.65 | 25.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707346 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $14,134.80 | 6.460% | $6,238.70 | $6,238.70 | 6.375% | No | No | Employed | Not Employed | Non-Employment Income | Non-Employment Income | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $19,882.21 | 1 | [redacted] | $2,294.88 | [redacted] | $191.24 | 42.389% | 42.389% | 42.389% | [Redacted] | 798 | 795 | 807 | 793 | 803 | 812 | 793 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | HELOC | No | [redacted] | $899,113.86 | 62.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.46 | Yes | No | $7,486.13 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707825 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | [redacted] | $2,832.00 | [redacted] | $236.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.3 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $429,623.88 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 246.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707874 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | [redacted] | $2,669.04 | [redacted] | $222.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $429,623.88 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 209.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 13 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707930 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | [redacted] | $2,183.04 | [redacted] | $181.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $429,623.88 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 219.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 13 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225708394 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $2,287.76 | 7.531% | $3,621.88 | $5,042.34 | 7.842% | No | No | Non-Employment Income | US Citizen | $24,250.03 | 1 | [redacted] | $3,126.96 | [redacted] | $260.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.090% | $0.00 | 4.3 | None | No | No | 7.842% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,132,658.21 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 598.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225708445 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,252.00 | $11,865.05 | 7.201% | $6,117.36 | $6,117.36 | 7.125% | No | No | Self-Employed | US Citizen | $12,820.50 | 1 | [redacted] | $1,288.20 | [redacted] | $107.35 | 40.653% | 40.653% | 40.653% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,252.00 | 6.600% | $0.00 | 3.1 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $324,515.57 | 28.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225708600 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | [redacted] | $2,340.96 | [redacted] | $195.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | $429,623.88 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 245.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225709056 | [Redacted] | [Redacted] | N/A | No | No | $1,713.97 | $1,713.97 | 7.250% | No | No | US Citizen | 1 | [redacted] | $939.00 | [redacted] | $78.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $112,363.83 | 33.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225709088 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,500.00 | $4,759.60 | 6.838% | $1,120.54 | $1,120.54 | 6.625% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,591.73 | 1 | [redacted] | $285.00 | [redacted] | $23.75 | 25.749% | 25.749% | 25.749% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,500.00 | 6.410% | $0.00 | DU | ApproveEligible | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.91 | No | $1,525.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225709118 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,315.73 | $6,449.64 | 8.868% | $4,458.82 | $4,458.82 | 8.750% | No | No | Non-Employment Income | US Citizen | $6,716.28 | 1 | [redacted] | $1,716.00 | [redacted] | $143.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,315.73 | 6.210% | $1,900.00 | 2.1 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $754,677.90 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225709263 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $5,088.37 | 7.032% | $3,589.01 | $3,589.01 | 6.990% | No | No | Employed | US Citizen | $39,383.40 | 1 | [redacted] | $604.68 | [redacted] | $50.39 | 29.985% | 29.985% | 29.985% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.320% | $0.00 | 2.3 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $736,126.50 | 100.000% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.39 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710782 | [Redacted] | [Redacted] | N/A | No | No | $2,049.00 | $2,049.00 | 6.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $2,605.92 | [redacted] | $217.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $619,165.07 | 88.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710783 | [Redacted] | [Redacted] | N/A | No | No | $1,676.89 | $1,676.89 | 7.990% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $2,283.72 | [redacted] | $190.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $2,500.00 | 0.810% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710784 | [Redacted] | [Redacted] | N/A | No | No | $818.17 | $818.17 | 8.750% | No | No | US Citizen | 1 | [redacted] | $2,151.48 | [redacted] | $179.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 628 | No | No | DSCR | 1 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.8 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.79 | No | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710785 | [Redacted] | [Redacted] | N/A | No | No | $779.08 | $779.08 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,090.44 | [redacted] | $90.87 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $117,922.63 | 83.630% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710786 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,358.75 | $5,604.88 | 6.993% | $984.38 | $1,330.64 | 6.750% | No | No | Non-Employment Income | US Citizen | $2,888.46 | 1 | [redacted] | $923.52 | [redacted] | $76.96 | 40.689% | 33.579% | 40.689% | [Redacted] | 799 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,358.75 | 6.320% | $4,000.00 | 4.4 | None | No | No | 6.750% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | 240 | [redacted] | $299,894.71 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 135.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710787 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,500.00 | $605.54 | 7.009% | $1,595.11 | $1,595.11 | 6.990% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $291,489.16 | 1 | [redacted] | $573.96 | [redacted] | $47.83 | 3.164% | 3.164% | 3.164% | [Redacted] | 706 | No | Yes | 24 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Borrower-prepared P&L - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,500.00 | 6.320% | $8,500.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $808,762.62 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 340.81 | Yes | No | $301,013.37 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710788 | [Redacted] | [Redacted] | Non QM | Yes | No | $48,510.13 | $72,791.58 | 7.640% | $16,144.53 | $16,144.53 | 7.375% | No | No | Self-Employed | US Citizen | $49,923.35 | 1 | [redacted] | $3,240.00 | [redacted] | $270.00 | 37.508% | 37.508% | 37.508% | [Redacted] | 738 | No | Yes | 72 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $48,510.13 | 6.600% | $381,500.00 | 5.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $100,000.00 | 3.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710790 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,181.09 | 7.103% | $4,333.33 | $6,489.00 | 7.590% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,858.53 | 1 | [redacted] | $1,052.64 | [redacted] | $87.72 | 44.025% | 31.786% | 44.025% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.040% | $0.00 | 4.3 | None | No | No | 7.590% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $2,027,043.15 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 380.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710792 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,302.80 | $9,790.46 | 7.203% | $2,445.84 | $2,445.84 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,232.16 | 1 | [redacted] | $1,511.04 | [redacted] | $125.92 | 34.268% | 34.268% | 34.268% | [Redacted] | 732 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,302.80 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711030 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,775.00 | $8,234.78 | 6.627% | $4,108.44 | $4,108.44 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $20,924.75 | 1 | [redacted] | $5,151.84 | [redacted] | $429.32 | 45.585% | 45.585% | 45.585% | [Redacted] | 736 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,775.00 | 6.100% | $0.00 | 4.3 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 529.78 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711060 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,995.00 | $6,902.78 | 6.721% | $2,945.43 | $2,945.43 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $12,256.73 | 1 | [redacted] | $4,194.72 | [redacted] | $349.56 | 28.333% | 28.333% | 28.333% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,995.00 | 6.320% | $4,200.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 1 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,190,983.82 | 100.000% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 123.95 | Yes | No | $0.00 | $8,333.34 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711828 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,750.13 | $9,116.60 | 7.588% | $2,407.00 | $2,407.00 | 7.375% | No | No | Self-Employed | US Citizen | $21,237.45 | 1 | [redacted] | $3,897.60 | [redacted] | $324.80 | 30.699% | 30.699% | 30.699% | [Redacted] | 711 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,750.13 | 6.300% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $67,346.81 | 16.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711831 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $6,642.77 | 6.979% | $2,759.10 | $2,759.10 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $13,120.86 | 1 | [redacted] | $976.44 | [redacted] | $81.37 | 42.984% | 42.984% | 42.984% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.410% | $267.16 | 2.6 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $207,764.67 | 37.100% | No | 8 | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.8 | No | No | $0.00 | $9,679.21 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711915 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,142.80 | $9,487.19 | 7.076% | $2,464.80 | $2,464.80 | 6.875% | No | No | Self-Employed | US Citizen | $4,221.89 | 1 | [redacted] | $1,296.00 | [redacted] | $108.00 | 47.100% | 47.100% | 47.100% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,142.80 | 6.320% | $0.00 | 1.9 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,667.11 | 1.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715263 | [Redacted] | [Redacted] | N/A | No | No | $5,928.72 | $5,928.72 | 7.125% | No | No | US Citizen | 1 | [redacted] | $2,700.00 | [redacted] | $225.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $196,275.14 | 17.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715267 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,068.48 | $30,559.54 | 6.559% | $3,767.19 | $3,767.19 | 6.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,804.85 | 1 | [redacted] | $2,097.00 | [redacted] | $174.75 | 44.992% | 44.992% | 44.992% | [Redacted] | 784 | No | Yes | 24 | Business | 34.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $26,068.48 | 6.410% | $0.00 | 2.1 | None | No | No | 6.125% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $257,709.31 | 33.250% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.74 | Yes | No | $1,395.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715324 | [Redacted] | [Redacted] | N/A | No | No | $1,957.65 | $1,957.65 | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $6,030.00 | [redacted] | $502.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | 761 | 803 | 798 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $946,226.55 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 301.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $384,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715336 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,207.50 | $8,089.18 | 7.437% | $4,744.94 | $4,744.94 | 7.375% | No | No | Not Employed | Employed | Self-Employed | Not Employed | 4.23 | 0 | US Citizen | US Citizen | $16,463.55 | 2 | [redacted] | $3,131.04 | [redacted] | $260.92 | 48.296% | 48.296% | 48.296% | [Redacted] | 755 | 781 | 787 | 764 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2016 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2019 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,207.50 | 6.600% | $0.00 | None | No | No | 7.375% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $1,094,710.57 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 200.21 | No | No | $7,424.50 | $18,681.24 | No | No | No | No | 12 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715482 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,726.00 | $25,323.71 | 7.596% | $11,963.36 | $13,071.01 | 7.891% | No | No | Self-Employed | US Citizen | $27,690.23 | 1 | [redacted] | $6,028.68 | [redacted] | $502.39 | 41.041% | 43.457% | 41.041% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,726.00 | 6.210% | $0.00 | 1.0 | None | Yes | No | 7.891% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AH | 11/04/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715489 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | Not Provided | 1 | [redacted] | $2,378.04 | [redacted] | $198.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $772,756.22 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 455.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715493 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,326.43 | $4,858.90 | 7.466% | $2,260.58 | $2,260.58 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $5,615.12 | 1 | [redacted] | $2,232.00 | [redacted] | $186.00 | 48.826% | 48.826% | 48.826% | [Redacted] | 728 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,326.43 | 6.420% | $0.00 | 1.8 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $189,561.21 | 44.080% | No | 15 | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.69 | Yes | No | $0.00 | $2,535.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715501 | [Redacted] | [Redacted] | N/A | No | No | $937.78 | $937.78 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,037.88 | [redacted] | $86.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.1 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715522 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,958.80 | $12,040.97 | 7.147% | $3,828.27 | $3,828.27 | 6.990% | No | No | Self-Employed | US Citizen | $10,574.80 | 1 | [redacted] | $2,404.92 | [redacted] | $200.41 | 31.094% | 31.094% | 31.094% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,958.80 | 6.420% | $110,000.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $102,367.40 | 14.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715527 | [Redacted] | [Redacted] | N/A | No | No | $2,853.83 | $2,853.83 | 6.750% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $5,576.52 | [redacted] | $464.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.08 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715529 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,275.00 | $27,830.28 | 10.155% | $7,684.89 | $7,684.89 | 9.875% | No | No | Self-Employed | US Citizen | $26,650.45 | 1 | [redacted] | $4,652.04 | [redacted] | $387.67 | 32.322% | 32.322% | 32.322% | [Redacted] | 657 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,275.00 | 6.430% | $0.00 | 2.2 | None | No | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715531 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,718.13 | $4,747.91 | 7.513% | $1,709.42 | $1,709.42 | 7.375% | No | No | Non-Employment Income | US Citizen | $9,368.33 | 1 | [redacted] | $618.96 | [redacted] | $51.58 | 37.771% | 37.771% | 37.771% | [Redacted] | 770 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,718.13 | 6.320% | $0.00 | 2.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $760,201.03 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 252.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/13/2026 | $30,750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715537 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,830.00 | $7,793.70 | 7.129% | $2,658.52 | $2,658.52 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,942.60 | 1 | [redacted] | $2,466.00 | [redacted] | $205.50 | 44.546% | 44.546% | 44.546% | [Redacted] | 702 | Yes | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,830.00 | 6.420% | $2,950.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,083,589.17 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 191.87 | No | $8,801.62 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715615 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $7,348.35 | 6.434% | $4,051.10 | $4,051.10 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $21,003.59 | 1 | [redacted] | $3,031.32 | [redacted] | $252.61 | 20.510% | 20.510% | 20.510% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.420% | $12,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $632,612.27 | 63.320% | No | 28 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.6 | No | $0.00 | $10,172.93 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715618 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $4,620.70 | 7.734% | $2,015.44 | $2,015.44 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,981.28 | 1 | [redacted] | $1,137.00 | [redacted] | $94.75 | 40.820% | 40.820% | 40.820% | [Redacted] | 768 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.320% | $3,350.00 | 1.2 | DU | ApproveEligible | Yes | No | 7.625% | 0 | 2 | 1 | 0 | 2 | 1 | No | [redacted] | $209,298.37 | 62.470% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.12 | No | No | $0.00 | $6,500.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715759 | [Redacted] | [Redacted] | N/A | No | No | $1,905.09 | $1,905.09 | 6.875% | No | No | US Citizen | 1 | [redacted] | $726.00 | [redacted] | $60.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 140.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715816 | [Redacted] | [Redacted] | N/A | No | No | $90,477.50 | $16,671.30 | 7.566% | $9,873.38 | $14,042.02 | 7.871% | No | No | Not Employed | Non-Employment Income | US Citizen | $53,934.20 | 1 | [redacted] | $6,383.04 | [redacted] | $531.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $90,477.50 | 6.210% | $0.00 | 1.0 | None | Yes | No | 7.871% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $5,599,719.73 | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 435.18 | No | No | $90,411.41 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716417 | [Redacted] | [Redacted] | N/A | No | No | $1,404.02 | $1,404.02 | 7.500% | No | No | US Citizen | 3 | [redacted] | $2,105.04 | [redacted] | $175.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $147,929.62 | 58.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716419 | [Redacted] | [Redacted] | N/A | No | No | $1,062.25 | $1,062.25 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,379.04 | [redacted] | $114.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 126.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716473 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,474.00 | $14,315.70 | 7.045% | $4,204.34 | $4,204.34 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,390.03 | 1 | [redacted] | $6,456.84 | [redacted] | $538.07 | 38.929% | 38.929% | 38.929% | [Redacted] | 719 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,474.00 | 6.300% | $0.00 | 2.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $462,410.36 | 57.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.14 | Yes | No | $26,643.70 | $0.00 | No | No | No | No | 2 | 360 | AE | 05/22/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716527 | [Redacted] | [Redacted] | N/A | No | No | $2,236.75 | $2,236.75 | 7.125% | No | No | US Citizen | 3 | [redacted] | $2,061.96 | [redacted] | $171.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $142,841.50 | 34.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716533 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,153.40 | $11,396.69 | 7.210% | $2,759.55 | $2,759.55 | 6.990% | No | No | Employed | US Citizen | $5,928.22 | 1 | [redacted] | $3,452.76 | [redacted] | $287.73 | 49.187% | 49.187% | 49.187% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,153.40 | 6.420% | $0.00 | 2.3 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $321,331.23 | 61.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/25/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716628 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,452.90 | $5,107.94 | 7.030% | $1,005.33 | $1,005.33 | 6.750% | No | No | Employed | US Citizen | $15,086.39 | 1 | [redacted] | $681.48 | [redacted] | $56.79 | 15.955% | 15.955% | 15.955% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,452.90 | 6.300% | $50.00 | 1.3 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $438,642.83 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716817 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $10,649.90 | 7.235% | $11,791.87 | $12,664.59 | 7.592% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,868.10 | 1 | [redacted] | $8,603.04 | [redacted] | $716.92 | 45.638% | 43.650% | 45.638% | [Redacted] | 719 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.090% | $0.00 | 5.0 | None | No | No | 7.592% | 2 | 3 | 2 | 0 | 3 | 2 | 3.00 | No | [redacted] | $60,577.02 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.5 | No | No | $24,452.95 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716818 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,237.50 | $4,450.60 | 7.133% | $1,528.65 | $1,528.65 | 6.990% | No | No | Employed | US Citizen | $8,250.09 | 1 | [redacted] | $1,107.96 | [redacted] | $92.33 | 19.122% | 19.122% | 19.122% | [Redacted] | 823 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,237.50 | 6.300% | $0.00 | 2.6 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $939,232.60 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 427.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716819 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,563.83 | $11,698.72 | 7.088% | $2,925.39 | $2,925.39 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,249.70 | 1 | [redacted] | $930.00 | [redacted] | $77.50 | 45.537% | 45.537% | 45.537% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2004 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,563.83 | 6.320% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $959,393.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.79 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 04/29/2027 | $34,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716821 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,695.00 | $13,962.98 | 7.653% | $10,292.33 | $12,412.12 | 7.840% | No | No | Self-Employed | US Citizen | $25,317.66 | 1 | [redacted] | $2,789.04 | [redacted] | $232.42 | 37.919% | 37.385% | 34.219% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,695.00 | 6.210% | $200,000.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $159,273.30 | 8.970% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716822 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,512.91 | $1,269.77 | 8.724% | $2,555.99 | $2,555.99 | 8.750% | No | No | Self-Employed | US Citizen | $4,827.01 | 1 | [redacted] | $1,896.96 | [redacted] | $158.08 | 39.836% | 39.836% | 39.836% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,512.91 | 6.420% | $15,000.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $39,464.69 | 10.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716823 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $18,334.40 | 6.908% | $14,189.66 | $14,189.66 | 6.875% | No | No | Employed | US Citizen | $46,691.90 | 1 | [redacted] | $6,193.32 | [redacted] | $516.11 | 28.243% | 28.243% | 28.243% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $0.00 | 3.6 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $996,152.71 | 36.890% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716826 | [Redacted] | [Redacted] | N/A | No | No | $1,799.57 | $1,799.57 | 7.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,740.96 | [redacted] | $145.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.1 | [redacted] | $268,132.36 | 79.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716828 | [Redacted] | [Redacted] | N/A | No | No | $959.99 | $959.99 | 7.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,038.00 | [redacted] | $86.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $70,727.88 | 42.220% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.95 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716831 | [Redacted] | [Redacted] | N/A | No | No | $2,159.83 | $2,159.83 | 6.750% | No | No | US Citizen | 1 | [redacted] | $1,007.04 | [redacted] | $83.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716833 | [Redacted] | [Redacted] | N/A | No | No | $11,257.35 | $11,257.35 | 7.500% | No | No | 0 | 0 | US Citizen | N/A | US Citizen | 1 | [redacted] | $3,381.84 | [redacted] | $281.82 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | 790 | 796 | 775 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.1 | [redacted] | $841,140.41 | 36.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | $10,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716867 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,874.94 | $5,818.94 | 7.850% | $3,098.37 | $3,171.39 | 7.866% | No | No | Self-Employed | US Citizen | $18,649.27 | 1 | [redacted] | $777.72 | [redacted] | $64.81 | 20.233% | 22.320% | 20.233% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,874.94 | 6.210% | $0.00 | 2.6 | None | Yes | No | 7.866% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $178,217.91 | 34.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.16 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716917 | [Redacted] | [Redacted] | N/A | No | No | $2,752.50 | $4,584.22 | 7.002% | $972.90 | $972.90 | 6.750% | No | No | Self-Employed | US Citizen | $20,582.77 | 1 | [redacted] | $705.96 | [redacted] | $58.83 | 10.068% | 10.068% | 10.068% | [Redacted] | 784 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,752.50 | 6.410% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $88,817.99 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.82 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716929 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,883.75 | $9,236.87 | 7.218% | $4,168.63 | $4,168.63 | 7.125% | No | No | Employed | US Citizen | $7,647.65 | 1 | [redacted] | $2,625.96 | [redacted] | $218.83 | 39.956% | 39.956% | 39.956% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,883.75 | 6.420% | $0.00 | 2.6 | None | No | No | 7.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $353,807.25 | 42.880% | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716935 | [Redacted] | [Redacted] | N/A | No | No | $7,390.00 | $12,464.06 | 6.954% | $3,110.03 | $3,110.03 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $105,231.87 | 1 | [redacted] | $870.24 | [redacted] | $72.52 | 17.396% | 17.396% | 17.396% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,390.00 | 6.420% | $3,125.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $94,355.84 | 13.770% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 125.2 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716936 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $1,635.75 | 7.312% | $10,088.90 | $14,051.90 | 7.593% | No | No | Employed | Employed | US Citizen | US Citizen | $37,221.88 | 1 | [redacted] | $7,091.52 | [redacted] | $590.96 | 43.293% | 37.255% | 43.293% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.060% | $15,000.00 | 1.0 | None | Yes | No | 7.593% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | 240 | [redacted] | $1,494,404.33 | 69.020% | No | 5 | 4 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.63 | Yes | No | $0.00 | $35,880.27 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716973 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,663.80 | $8,337.88 | 7.176% | $1,568.09 | $1,568.09 | 6.875% | No | No | Self-Employed | US Citizen | $12,775.61 | 1 | [redacted] | $1,217.04 | [redacted] | $101.42 | 44.379% | 44.379% | 44.379% | [Redacted] | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,663.80 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.48 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716975 | [Redacted] | [Redacted] | N/A | No | No | $3,550.73 | $3,550.73 | 7.250% | No | No | Non-Permanent Resident Alien | 3 | [redacted] | $2,613.12 | [redacted] | $217.76 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $238,245.80 | 34.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716976 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,751.00 | $1,542.06 | 7.995% | $1,693.39 | $1,693.39 | 7.990% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Guatemala | $23,461.23 | 1 | [redacted] | $1,371.00 | [redacted] | $114.25 | 8.661% | 8.661% | 8.661% | [Redacted] | 629 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,751.00 | 6.420% | $14,500.00 | 2.8 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,000.00 | 1.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | 48.55 | Yes | No | $25,685.74 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716977 | [Redacted] | [Redacted] | N/A | No | No | $18,493.93 | $5,370.58 | 7.061% | $1,838.74 | $1,838.74 | 6.875% | No | No | Not Employed | Employed | US Citizen | $18,231.68 | 1 | [redacted] | $1,290.96 | [redacted] | $107.58 | 33.493% | 33.493% | 33.493% | [Redacted] | 772 | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,493.93 | 6.410% | $5,000.00 | 2.7 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,566,705.45 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 542.56 | No | No | $0.00 | $27,413.27 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717023 | [Redacted] | [Redacted] | N/A | No | No | $1,390.00 | $3,652.40 | 7.080% | $1,862.85 | $1,862.85 | 7.000% | No | No | Employed | US Citizen | $12,222.07 | 1 | [redacted] | $1,190.04 | [redacted] | $99.17 | 34.816% | 34.816% | 34.816% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.320% | $0.00 | 1.1 | None | Yes | No | 7.000% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $350,484.54 | 100.000% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 129.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717522 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,465.00 | $4,797.22 | 7.181% | $648.60 | $648.60 | 6.750% | No | No | Non-Employment Income | US Citizen | $2,831.58 | 1 | [redacted] | $654.96 | [redacted] | $54.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,465.00 | 6.600% | $500.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $700,361.37 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 244.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717526 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,340.00 | $24,372.41 | 8.023% | $4,894.50 | $5,058.33 | 7.840% | No | No | Self-Employed | US Citizen | $13,582.13 | 1 | [redacted] | $2,790.00 | [redacted] | $232.50 | 47.531% | 50.345% | 47.531% | [Redacted] | 693 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,340.00 | 6.220% | $0.00 | 2.7 | None | No | No | 7.840% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $35,096.26 | 4.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717527 | [Redacted] | [Redacted] | N/A | No | No | $1,586.48 | $1,586.48 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $828.00 | [redacted] | $69.00 | 0.000% | 0.000% | 0.000% | 771 | 768 | 780 | 795 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $217,287.69 | 62.980% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717529 | [Redacted] | [Redacted] | N/A | No | No | $785.11 | $785.11 | 7.875% | No | No | US Citizen | 1 | [redacted] | $1,995.00 | [redacted] | $166.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $11,313.06 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717653 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,549.12 | $19,740.45 | 7.976% | $5,192.52 | $5,192.52 | 7.750% | No | No | Self-Employed | US Citizen | $66,398.25 | 1 | [redacted] | $2,738.04 | [redacted] | $228.17 | 15.696% | 15.696% | 15.696% | [Redacted] | 724 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,549.12 | 6.420% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $111,791.58 | 13.110% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718158 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,957.01 | $7,692.30 | 7.190% | $1,392.70 | $1,392.70 | 6.875% | No | No | Self-Employed | US Citizen | $14,157.49 | 1 | [redacted] | $3,138.96 | [redacted] | $261.58 | 15.531% | 15.531% | 15.531% | [Redacted] | 791 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,957.01 | 6.260% | $8,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $94,367.63 | 33.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718159 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,282.00 | $23,098.73 | 7.720% | $4,080.51 | $4,080.51 | 7.375% | No | No | Self-Employed | US Citizen | $20,712.28 | 1 | [redacted] | $956.28 | [redacted] | $79.69 | 27.173% | 27.173% | 27.173% | [Redacted] | 673 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,282.00 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $226,575.06 | 30.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718205 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,846.25 | $13,033.67 | 7.451% | $4,604.69 | $4,604.69 | 7.250% | No | No | Self-Employed | US Citizen | $17,877.24 | 1 | [redacted] | $2,508.00 | [redacted] | $209.00 | 27.073% | 27.073% | 27.073% | [Redacted] | 689 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,846.25 | 6.300% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $41,576.64 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718210 | [Redacted] | [Redacted] | N/A | No | No | $13,690.00 | $18,459.82 | 7.191% | $4,785.34 | $4,785.34 | 6.990% | No | No | Self-Employed | US Citizen | $20,171.84 | 1 | [redacted] | $2,139.00 | [redacted] | $178.25 | 44.381% | 44.381% | 44.381% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,690.00 | 6.420% | $0.00 | 4.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $1,797,860.74 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 255.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718417 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,260.31 | $15,004.79 | 6.989% | $3,283.53 | $3,283.53 | 6.750% | No | No | Self-Employed | US Citizen | $12,178.89 | 1 | [redacted] | $1,809.96 | [redacted] | $150.83 | 29.165% | 29.165% | 29.165% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,260.31 | 6.420% | $1,500.00 | 3.1 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $325,642.95 | 48.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225720147 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,995.00 | $8,600.02 | 7.033% | $5,981.68 | $5,981.68 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | India | $21,262.74 | 1 | [redacted] | $4,193.04 | [redacted] | $349.42 | 41.441% | 41.441% | 41.441% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,995.00 | 6.600% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $171,038.98 | 15.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 35.2 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225720172 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,301.50 | $5,179.50 | 8.264% | $2,776.94 | $2,776.94 | 8.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,914.98 | 1 | [redacted] | $2,183.04 | [redacted] | $181.92 | 49.991% | 49.991% | 49.991% | [Redacted] | 774 | Yes | Yes | 24 | Business | 62.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,301.50 | 6.420% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Other | [redacted] | $572,659.98 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 252.36 | No | No | $6,941.73 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225720519 | [Redacted] | [Redacted] | N/A | No | No | $1,789.40 | $1,789.40 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,574.04 | [redacted] | $131.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $109,601.79 | 33.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225723843 | [Redacted] | [Redacted] | N/A | No | No | $1,116.41 | $1,116.41 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,338.96 | [redacted] | $111.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $292,939.11 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 183.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725195 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,840.00 | $10,387.51 | 6.487% | $4,117.54 | $4,117.54 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $12,345.48 | 1 | [redacted] | $1,819.80 | [redacted] | $151.65 | 34.158% | 34.158% | 34.158% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,840.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.375% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $192,811.59 | 23.370% | No | 4 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.42 | No | $0.00 | $8,583.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725217 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $5,336.78 | 6.841% | $1,280.62 | $1,280.62 | 6.625% | No | No | Non-Employment Income | US Citizen | $6,370.80 | 1 | [redacted] | $1,781.04 | [redacted] | $148.42 | 30.134% | 30.134% | 30.134% | [Redacted] | 706 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.260% | $10,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,093,375.27 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 295.94 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725277 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,338.00 | $34,582.96 | 7.152% | $7,094.83 | $7,094.83 | 6.875% | No | No | Self-Employed | US Citizen | $10,170.33 | 1 | [redacted] | $3,279.00 | [redacted] | $273.25 | 45.017% | 45.017% | 45.017% | [Redacted] | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $29,338.00 | 6.320% | $0.00 | 1.9 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $231,357.14 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725588 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,403.50 | $23,822.72 | 7.166% | $7,025.15 | $7,025.15 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $16,540.48 | 1 | [redacted] | $4,617.00 | [redacted] | $384.75 | 44.036% | 44.036% | 44.036% | [Redacted] | 664 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,403.50 | 6.430% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | Closed End | No | [redacted] | $187,748.32 | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.83 | No | No | $0.00 | $12,205.02 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725592 | [Redacted] | [Redacted] | N/A | No | No | $9,140.00 | $9,788.02 | 7.099% | $2,956.18 | $2,956.18 | 6.875% | No | No | Self-Employed | US Citizen | $18,182.60 | 1 | [redacted] | $1,950.96 | [redacted] | $162.58 | 48.747% | 48.747% | 48.747% | [Redacted] | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,140.00 | 6.410% | $0.00 | 2.6 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $18,403.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725711 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,800.00 | $7,048.56 | 8.468% | $2,704.56 | $2,704.56 | 8.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,297.55 | 1 | [redacted] | $2,796.36 | [redacted] | $233.03 | 42.920% | 42.920% | 42.920% | [Redacted] | 682 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,800.00 | 6.300% | $0.00 | 1.0 | DU | ApproveIneligible | No | No | 8.250% | 2 | 2 | 2 | 0 | 3 | 0 | 3.97 | No | [redacted] | $3,277.75 | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.27 | No | $0.00 | $1,200.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725712 | [Redacted] | [Redacted] | N/A | No | No | $1,678.25 | $1,678.25 | 6.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,314.00 | [redacted] | $109.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $161,521.85 | 46.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.76 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725713 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,411.49 | $11,195.03 | 7.783% | $2,407.05 | $2,407.05 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,279.79 | 1 | [redacted] | $2,096.76 | [redacted] | $174.73 | 45.051% | 45.051% | 45.051% | [Redacted] | 663 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $8,411.49 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $444,705.73 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 158 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725725 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,621.00 | $6,791.69 | 7.227% | $1,103.64 | $1,103.64 | 6.875% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $78,431.40 | 1 | [redacted] | $1,195.32 | [redacted] | $99.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,621.00 | 6.520% | $2,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $4,050,015.30 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2084.2 | Yes | No | $82,978.98 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725726 | [Redacted] | [Redacted] | N/A | No | No | $3,511.50 | $3,511.50 | 7.875% | No | No | US Citizen | 2 | [redacted] | $2,130.96 | [redacted] | $177.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 633 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727659 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $1,333.14 | 6.622% | $1,754.45 | $1,754.45 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,975.89 | 1 | [redacted] | $3,993.96 | [redacted] | $332.83 | 47.397% | 47.397% | 47.397% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.410% | $10,000.00 | 1.0 | None | Yes | No | 6.625% | 1 | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $403,493.28 | 73.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.02 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727660 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,740.00 | $5,587.24 | 7.189% | $1,495.42 | $1,495.42 | 6.990% | No | No | Self-Employed | US Citizen | $5,703.67 | 1 | [redacted] | $1,710.00 | [redacted] | $142.50 | 49.131% | 49.131% | 49.131% | [Redacted] | 706 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,740.00 | 6.600% | $0.00 | 4.1 | None | Yes | No | 6.990% | 0 | 2 | 0 | 3 | 2 | 3.53 | No | [redacted] | $5,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727669 | [Redacted] | [Redacted] | N/A | No | No | $4,084.70 | $7,263.16 | 7.174% | $1,374.62 | $1,374.62 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,729.34 | 1 | [redacted] | $1,367.04 | [redacted] | $113.92 | 35.953% | 35.953% | 35.953% | [Redacted] | 807 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,084.70 | 6.370% | $0.00 | 4.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 1 | 1 | 0 | 3 | 1 | No | [redacted] | $16,440.84 | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 140.63 | No | No | $0.00 | $9,038.03 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727724 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,406.75 | $15,108.13 | 7.344% | $2,518.95 | $2,518.95 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | United States of America | $12,376.36 | 1 | [redacted] | $2,180.04 | [redacted] | $181.67 | 20.874% | 20.874% | 20.874% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,406.75 | 6.300% | $0.00 | 1.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 5.91 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727978 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,017.50 | $18,193.80 | 7.147% | $3,724.79 | $3,724.79 | 6.875% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Brazil | Brazil | $11,705.17 | 1 | [redacted] | $1,409.40 | [redacted] | $117.45 | 34.546% | 34.546% | 34.546% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,017.50 | 6.300% | $0.00 | 2.6 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $72,127.18 | 11.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 10.39 | No | $8,941.46 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225728013 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,871.88 | $7,742.43 | 6.916% | $5,941.92 | $5,941.92 | 6.875% | No | No | Self-Employed | US Citizen | $14,309.75 | 1 | [redacted] | $1,518.00 | [redacted] | $126.50 | 37.727% | 37.727% | 37.727% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $23,871.88 | 6.420% | $31,125.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $26,022.12 | 2.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225728184 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,085.18 | $0.00 | 8.429% | $3,701.40 | $3,701.40 | 8.500% | No | No | Self-Employed | US Citizen | $22,891.90 | 1 | [redacted] | $665.04 | [redacted] | $55.42 | 29.052% | 29.052% | 29.052% | [Redacted] | 629 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,085.18 | 6.420% | $23,503.91 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $463,382.20 | 59.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225729332 | [Redacted] | [Redacted] | N/A | No | No | $2,052.22 | $5,960.54 | 7.107% | $2,454.98 | $2,454.98 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,075.47 | 3 | [redacted] | $5,910.00 | [redacted] | $492.50 | 41.456% | 41.456% | 41.456% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,052.22 | 6.260% | $5,000.00 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $401,338.88 | 81.490% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.79 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225730134 | [Redacted] | [Redacted] | N/A | No | No | $2,187.30 | $2,187.30 | 6.625% | No | No | 0 | Permanent Resident Alien | 1 | [redacted] | $1,109.04 | [redacted] | $92.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $271,996.71 | 63.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225730223 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,471.25 | $7,236.11 | 8.178% | $2,334.82 | $2,334.82 | 7.990% | No | No | Self-Employed | US Citizen | $30,360.47 | 1 | [redacted] | $7,881.72 | [redacted] | $656.81 | 24.108% | 24.108% | 24.108% | [Redacted] | 647 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,471.25 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225730224 | [Redacted] | [Redacted] | N/A | No | No | $1,442.18 | $1,442.18 | 6.500% | No | No | US Citizen | 1 | [redacted] | $1,665.48 | [redacted] | $138.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | 240 | [redacted] | $7,100.00 | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225732732 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,266.32 | $17,145.45 | 7.374% | $4,877.73 | $4,877.73 | 7.125% | No | No | Self-Employed | US Citizen | $16,307.65 | 2 | [redacted] | $1,389.00 | [redacted] | $115.75 | 33.438% | 33.438% | 33.438% | [Redacted] | 796 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $16,266.32 | 6.320% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $132,360.00 | 14.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225732741 | [Redacted] | [Redacted] | N/A | No | No | $1,828.09 | $1,828.09 | 6.625% | No | No | US Citizen | 3 | [redacted] | $1,758.96 | [redacted] | $146.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.97 | 0.5 | [redacted] | $32,234.56 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225732825 | [Redacted] | [Redacted] | N/A | No | No | $1,229.57 | $1,229.57 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,353.48 | [redacted] | $112.79 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $181,588.59 | 50.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 10.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733091 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,343.60 | $5,956.66 | 7.547% | $1,933.89 | $1,933.89 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $5,948.18 | 1 | [redacted] | $1,144.20 | [redacted] | $95.35 | 41.017% | 41.017% | 41.017% | [Redacted] | 677 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,343.60 | 6.410% | $0.00 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.81 | No | $0.00 | $5,247.29 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733141 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,816.25 | $17,132.99 | 7.175% | $4,858.45 | $4,858.45 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $13,972.59 | 1 | [redacted] | $1,851.96 | [redacted] | $154.33 | 38.337% | 38.337% | 38.337% | [Redacted] | 742 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,816.25 | 6.420% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $200,712.38 | 23.330% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 7.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733531 | [Redacted] | [Redacted] | N/A | No | No | $673.72 | $673.72 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,179.00 | [redacted] | $98.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $71,637.00 | 57.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733532 | [Redacted] | [Redacted] | N/A | No | No | $1,678.45 | $1,678.45 | 6.875% | No | No | Foreign National | 1 | [redacted] | $2,199.00 | [redacted] | $183.25 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $194,292.91 | 53.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 27.78 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733535 | [Redacted] | [Redacted] | N/A | No | No | $10,597.50 | $3,975.18 | 6.813% | $1,062.92 | $1,062.92 | 6.625% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Brazil | $18,146.33 | 4 | [redacted] | $2,262.00 | [redacted] | $188.50 | 36.920% | 36.920% | 36.920% | [Redacted] | 769 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,597.50 | 6.430% | $0.00 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $12,270.45 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 7.77 | No | No | $28,767.19 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733537 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,551.00 | $8,158.84 | 8.570% | $5,013.32 | $5,013.32 | 8.500% | No | No | Not Employed | Self-Employed | US Citizen | $19,002.95 | 1 | [redacted] | $8,748.96 | [redacted] | $729.08 | 26.636% | 26.636% | 26.636% | [Redacted] | 673 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,551.00 | 6.600% | $10,000.00 | 1.5 | None | No | No | 8.500% | 0 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $10,000.00 | 1.220% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.43 | No | $25,902.17 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733538 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,240.00 | $8,565.32 | 7.508% | $1,910.09 | $1,910.09 | 7.250% | No | No | Employed | US Citizen | $13,478.58 | 1 | [redacted] | $839.04 | [redacted] | $69.92 | 29.023% | 29.023% | 29.023% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,240.00 | 6.320% | $0.00 | 1.0 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $746,302.11 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 201.1 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733544 | [Redacted] | [Redacted] | Non QM | Yes | No | $28,238.75 | $14,354.58 | 7.050% | $4,187.92 | $4,187.92 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | $253,792.42 | 1 | [redacted] | $6,197.76 | [redacted] | $516.48 | 2.325% | 2.325% | 2.325% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $28,238.75 | 6.410% | $0.00 | 1.9 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Employment Authorization | No | 10.86 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733546 | [Redacted] | [Redacted] | N/A | No | No | $10,062.10 | $10,062.10 | 7.250% | No | No | Foreign National | Foreign National | 1 | [redacted] | $9,586.68 | [redacted] | $798.89 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $2,369,114.30 | 92.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | 80.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733553 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,211.56 | 7.027% | $5,981.68 | $5,981.68 | 6.990% | No | No | Employed | US Citizen | $20,825.11 | 1 | [redacted] | $2,184.60 | [redacted] | $182.05 | 26.169% | 26.169% | 26.169% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.320% | $10,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $520,947.67 | 43.410% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733557 | [Redacted] | [Redacted] | N/A | No | No | $1,670.82 | $1,670.82 | 7.125% | No | No | US Citizen | 4 | [redacted] | $2,622.96 | [redacted] | $218.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | [redacted] | $426,579.54 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 161.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733565 | [Redacted] | [Redacted] | N/A | No | No | $895.36 | $895.36 | 7.250% | No | No | US Citizen | 4 | [redacted] | $2,076.96 | [redacted] | $173.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [redacted] | $77,747.26 | 44.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733569 | [Redacted] | [Redacted] | N/A | No | No | $2,072.03 | $2,072.03 | 7.375% | No | No | US Citizen | 3 | [redacted] | $1,407.96 | [redacted] | $117.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.41 | 0.41 | [redacted] | $121,239.35 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733573 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,204.18 | $7,306.46 | 9.061% | $2,649.43 | $2,649.43 | 8.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,699.42 | 1 | [redacted] | $677.04 | [redacted] | $56.42 | 33.003% | 37.483% | 33.003% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,204.18 | 6.220% | $0.00 | 1.0 | None | Yes | No | 8.875% | 1 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $36,329.93 | 9.810% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733575 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,390.00 | $6,938.48 | 7.585% | $3,496.07 | $3,496.07 | 7.500% | No | No | Employed | US Citizen | $4,513.46 | 1 | [redacted] | $1,596.00 | [redacted] | $133.00 | 48.827% | 48.827% | 48.827% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,390.00 | 6.410% | $3,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $163,506.12 | 26.160% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733576 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $4,207.66 | 7.294% | $2,874.86 | $2,874.86 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $6,320.30 | 1 | [redacted] | $885.00 | [redacted] | $73.75 | 43.227% | 43.227% | 43.227% | [Redacted] | 695 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.250% | 3 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $205,589.73 | 36.580% | No | 29 | 29 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.66 | No | $0.00 | $1,606.22 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733577 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,270.00 | $5,457.02 | 7.671% | $1,803.97 | $1,803.97 | 7.500% | No | No | Self-Employed | US Citizen | $14,866.07 | 1 | [redacted] | $1,684.44 | [redacted] | $140.37 | 24.403% | 24.403% | 24.403% | [Redacted] | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,270.00 | 6.600% | $100.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $70,475.00 | 21.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.32 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/25/2026 | $17,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733578 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,487.19 | $5,579.40 | 7.293% | $1,793.78 | $1,793.78 | 7.125% | No | No | Self-Employed | US Citizen | $8,140.59 | 1 | [redacted] | $1,464.48 | [redacted] | $122.04 | 48.117% | 48.117% | 48.117% | [Redacted] | 755 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $3,487.19 | 6.420% | $53,250.00 | 3.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 4.83 | No | [redacted] | $268,474.93 | 75.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733612 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,040.00 | $9,724.55 | 8.658% | $2,310.62 | $2,310.62 | 8.375% | No | No | Self-Employed | US Citizen | $8,435.30 | 1 | [redacted] | $618.36 | [redacted] | $51.53 | 37.570% | 37.570% | 37.570% | [Redacted] | 666 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,040.00 | 6.110% | $0.00 | 1.0 | None | Yes | No | 8.375% | 2 | 0 | 0 | 3 | 0 | No | [redacted] | $107,040.78 | 28.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733621 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,085.55 | 6.938% | $3,793.76 | $3,793.76 | 6.875% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $6,112.22 | 1 | [redacted] | $1,146.96 | [redacted] | $95.58 | 47.370% | 47.370% | 47.370% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.520% | $8,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $237,983.99 | 30.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.78 | Yes | No | $0.00 | $3,416.66 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734033 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,365.58 | 7.061% | $3,984.38 | $6,083.44 | 7.590% | No | No | Non-Employment Income | US Citizen | $11,303.67 | 1 | [redacted] | $7,021.44 | [redacted] | $585.12 | 44.451% | 34.136% | 44.451% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.060% | ($3,427.10) | 3.7 | None | Yes | No | 7.590% | 0 | 2 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $3,934,227.32 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 373.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734044 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,960.00 | $17,797.00 | 6.933% | $5,059.07 | $5,059.07 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $10,889.82 | 1 | [redacted] | $1,836.48 | [redacted] | $153.04 | 39.524% | 39.524% | 39.524% | [Redacted] | 758 | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,960.00 | 6.600% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $579,157.97 | 46.140% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.39 | Yes | No | $0.00 | $18,006.80 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734101 | [Redacted] | [Redacted] | N/A | No | No | $1,197.54 | $1,197.54 | 7.000% | No | No | 0 | US Citizen | Not Provided | 3 | [redacted] | $1,736.04 | [redacted] | $144.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [redacted] | $78,117.64 | 32.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734581 | [Redacted] | [Redacted] | N/A | No | No | $3,041.50 | $8,641.88 | 7.349% | $2,142.42 | $2,142.42 | 7.125% | No | No | Employed | US Citizen | $6,293.15 | 1 | [redacted] | $1,801.56 | [redacted] | $150.13 | 49.979% | 49.979% | 49.979% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,041.50 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [redacted] | $40,077.93 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734664 | [Redacted] | [Redacted] | N/A | No | No | $5,778.00 | $7,318.94 | 7.671% | $1,491.86 | $1,491.86 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $49,726.27 | 1 | [redacted] | $1,158.00 | [redacted] | $96.50 | 20.283% | 20.283% | 20.283% | [Redacted] | 715 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,778.00 | 6.420% | $0.00 | 1.1 | None | Yes | No | 7.375% | 1 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | [redacted] | $1,283,480.85 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 490.22 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734712 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,063.05 | $13,611.07 | 9.572% | $2,049.95 | $2,049.95 | 8.990% | No | No | Self-Employed | US Citizen | $4,573.20 | 1 | [redacted] | $1,876.80 | [redacted] | $156.40 | 49.433% | 49.433% | 49.433% | [Redacted] | 664 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,063.05 | 6.410% | $0.00 | 1.5 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $109,339.16 | 36.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734864 | [Redacted] | [Redacted] | N/A | No | No | $726.27 | $726.27 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,689.36 | [redacted] | $140.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.66 | [redacted] | $350,053.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 320.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734994 | [Redacted] | [Redacted] | N/A | No | No | $730.26 | $730.26 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,621.80 | [redacted] | $135.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $259,930.88 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 272.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $120,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225735155 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,136.44 | 7.424% | $3,425.75 | $3,425.75 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,903.05 | 1 | [redacted] | $1,455.96 | [redacted] | $121.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.600% | $0.00 | 3.8 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,081,016.88 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 249.36 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225735157 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,877.50 | $12,096.88 | 7.002% | $1,548.57 | $1,548.57 | 6.500% | No | No | Self-Employed | US Citizen | $10,248.89 | 1 | [redacted] | $2,325.72 | [redacted] | $193.81 | 18.278% | 18.278% | 18.278% | [Redacted] | 728 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $9,877.50 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 14.83 | No | [redacted] | $44,311.40 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225735221 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,997.52 | $6,238.40 | 10.102% | $2,144.17 | $2,144.17 | 9.875% | No | No | Self-Employed | US Citizen | $3,232.70 | 1 | [redacted] | $1,374.96 | [redacted] | $114.58 | 49.951% | 49.951% | 49.951% | [Redacted] | 685 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $3,997.52 | 6.410% | $0.00 | 1.0 | None | Yes | No | 9.875% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $70,995.16 | 24.430% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225737466 | [Redacted] | [Redacted] | N/A | No | No | $1,519.49 | $1,519.49 | 7.375% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,442.00 | [redacted] | $203.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | $89,672.35 | 32.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.5 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225737880 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,633.70 | 6.793% | $1,107.74 | $1,107.74 | 6.625% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Brazil | $18,552.85 | 1 | [redacted] | $3,768.96 | [redacted] | $314.08 | 27.040% | 27.040% | 27.040% | [Redacted] | 769 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.430% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $25,710.93 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 8.71 | No | No | $25,428.62 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225737891 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $9,137.85 | 6.858% | $3,924.02 | $3,924.02 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $26,482.40 | 1 | [redacted] | $3,068.64 | [redacted] | $255.72 | 18.502% | 18.502% | 18.502% | [Redacted] | 780 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.320% | $20,150.00 | 2.5 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $43,538.35 | 5.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.71 | Yes | No | $16,247.30 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738105 | [Redacted] | [Redacted] | N/A | No | No | $889.31 | $889.31 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,009.92 | [redacted] | $84.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 693 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $140,227.73 | 63.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738109 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $7,970.88 | 7.020% | $7,128.17 | $7,128.17 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $19,462.97 | 1 | [redacted] | $4,942.68 | [redacted] | $411.89 | 32.267% | 32.267% | 32.267% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,690.00 | 6.320% | $8,000.00 | 1.1 | None | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,041,259.77 | 63.100% | No | 29 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 107.12 | Yes | No | $0.00 | $5,098.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738120 | [Redacted] | [Redacted] | N/A | No | No | $10,790.00 | $4,485.71 | 7.513% | $1,023.26 | $1,023.26 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,014.58 | 1 | [redacted] | $1,408.20 | [redacted] | $117.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $10,790.00 | 6.410% | $0.00 | 2.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $432,104.49 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 496.97 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738272 | [Redacted] | [Redacted] | N/A | No | No | $1,047.83 | $1,047.83 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,871.52 | [redacted] | $155.96 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $5,753.04 | 2.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738276 | [Redacted] | [Redacted] | N/A | No | No | $4,550.89 | $4,550.89 | 6.500% | No | No | US Citizen | US Citizen | 4 | [redacted] | $3,753.60 | [redacted] | $312.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | $309,966.02 | 34.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738291 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,690.00 | $27,611.60 | 7.983% | $11,287.50 | $14,253.25 | 7.875% | No | No | Self-Employed | US Citizen | $71,293.25 | 1 | [redacted] | $4,864.44 | [redacted] | $405.37 | 18.323% | 14.925% | 18.323% | [Redacted] | 731 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,690.00 | 6.420% | $0.00 | 3.1 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738358 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,115.00 | $22,074.50 | 6.449% | $5,541.45 | $5,541.45 | 6.250% | No | No | Employed | US Citizen | $9,228.65 | 1 | [redacted] | $1,716.12 | [redacted] | $143.01 | 43.316% | 43.316% | 43.316% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,115.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $427,852.36 | 35.500% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738564 | [Redacted] | [Redacted] | N/A | No | No | $2,995.00 | $2,655.70 | 6.891% | $3,107.77 | $3,107.77 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,253.77 | 1 | [redacted] | $5,053.92 | [redacted] | $421.16 | 26.312% | 26.312% | 26.312% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,995.00 | 6.410% | $12,148.51 | 1.3 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $194,682.56 | 30.810% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738565 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,390.00 | $8,371.10 | 6.909% | $7,153.95 | $7,153.95 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $16,896.69 | 1 | [redacted] | $2,442.00 | [redacted] | $203.50 | 33.654% | 33.654% | 33.654% | [Redacted] | 787 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,390.00 | 6.410% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $3,032,253.01 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 269.15 | No | $2,525.21 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739466 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,145.00 | $9,776.58 | 7.786% | $2,139.60 | $2,139.60 | 7.500% | No | No | Self-Employed | US Citizen | $7,559.59 | 1 | [redacted] | $1,847.04 | [redacted] | $153.92 | 34.818% | 34.818% | 34.818% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,145.00 | 6.320% | $10,000.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $80,266.12 | 22.290% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.73 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739469 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,251.25 | $8,350.33 | 7.359% | $3,760.50 | $3,760.50 | 7.250% | No | No | Self-Employed | US Citizen | $7,128.69 | 1 | [redacted] | $4,891.20 | [redacted] | $407.60 | 49.409% | 49.409% | 49.409% | [Redacted] | 772 | No | Yes | 36 | Business | 100.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,251.25 | 6.320% | $0.00 | 2.8 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.27 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739471 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,250.00 | $5,537.56 | 8.656% | $999.18 | $999.18 | 8.250% | No | No | Employed | Employed | US Citizen | US Citizen | $8,501.08 | 1 | [redacted] | $2,780.04 | [redacted] | $231.67 | 41.109% | 41.109% | 41.109% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,250.00 | 6.410% | $0.00 | None | No | No | 8.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $137,216.23 | 72.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.73 | No | No | $0.00 | $8,666.67 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739479 | [Redacted] | [Redacted] | N/A | No | No | $2,049.06 | $2,049.06 | 7.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $416.04 | [redacted] | $34.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.15 | [redacted] | $140,731.22 | 36.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739480 | [Redacted] | [Redacted] | N/A | No | No | $928.98 | $928.98 | 7.625% | No | No | Foreign National | 1 | [redacted] | $1,179.96 | [redacted] | $98.33 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [redacted] | $1,000.00 | 0.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 54.67 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739496 | [Redacted] | [Redacted] | N/A | No | No | $1,717.98 | $1,717.98 | 7.125% | No | No | US Citizen | 1 | [redacted] | $932.28 | [redacted] | $77.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $165,072.23 | 55.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 43.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739516 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $12,227.62 | 7.438% | $7,749.38 | $7,749.38 | 7.375% | No | No | Self-Employed | US Citizen | $28,913.95 | 1 | [redacted] | $2,963.64 | [redacted] | $246.97 | 33.301% | 33.301% | 33.301% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.410% | $2,638.48 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 1 | 1 | 0 | 3 | 3 | No | [redacted] | $81,732.62 | 6.140% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739517 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,493.75 | $4,494.49 | 8.007% | $1,903.31 | $1,903.31 | 7.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,798.64 | 1 | [redacted] | $3,608.04 | [redacted] | $300.67 | 39.444% | 39.444% | 39.444% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,493.75 | 6.260% | $0.00 | 3.1 | DU | ApproveEligible | No | No | 7.875% | 0 | 2 | 2 | 0 | 2 | 0 | No | [redacted] | $31,358.07 | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.42 | No | No | $0.00 | $8,285.74 | No | No | No | No | 3 | 360 | AE | 05/26/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739519 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,830.00 | $5,599.58 | 7.269% | $854.01 | $854.01 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,973.81 | 1 | [redacted] | $900.60 | [redacted] | $75.05 | 38.470% | 38.470% | 38.470% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,830.00 | 6.520% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $142,432.14 | 74.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO 8 | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.26 | Yes | No | $1,857.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 11/30/2026 | $15,250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739523 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,012.50 | $9,730.97 | 6.899% | $10,001.74 | $10,001.74 | 6.875% | No | No | Self-Employed | US Citizen | $18,779.84 | 1 | [redacted] | $6,831.00 | [redacted] | $569.25 | 47.621% | 47.621% | 47.621% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,012.50 | 6.420% | $0.00 | 5.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.8 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739529 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $4,877.69 | 6.941% | $2,890.49 | $2,890.49 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,770.49 | 1 | [redacted] | $1,286.04 | [redacted] | $107.17 | 44.606% | 44.606% | 44.606% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $1,918,582.57 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 464.88 | No | No | $2,011.00 | $4,382.94 | No | No | No | No | 1 | 360 | AE | 08/22/2026 | $7,788,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739533 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $2,887.28 | 6.314% | $1,693.22 | $1,693.22 | 6.250% | No | No | Employed | US Citizen | $8,578.44 | 1 | [redacted] | $1,158.00 | [redacted] | $96.50 | 19.765% | 19.765% | 19.765% | [Redacted] | 718 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.320% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $346,139.59 | 60.720% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.52 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739534 | [Redacted] | [Redacted] | N/A | No | No | $8,493.52 | $8,493.52 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,302.00 | [redacted] | $108.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739536 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,752.81 | $11,269.45 | 7.012% | $4,064.75 | $4,064.75 | 6.875% | No | No | Self-Employed | US Citizen | $52,949.75 | 1 | [redacted] | $2,724.00 | [redacted] | $227.00 | 20.884% | 20.884% | 20.884% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,752.81 | 6.410% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $692,050.37 | 83.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225740329 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,155.63 | $31,070.07 | 6.442% | $3,698.26 | $3,698.26 | 5.990% | No | No | Employed | US Citizen | $112,649.33 | 1 | [redacted] | $1,226.28 | [redacted] | $102.19 | 10.012% | 10.012% | 10.012% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,155.63 | 6.320% | $11,850.00 | 1.0 | None | Yes | No | 5.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,870,936.58 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 335.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225740866 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,048.55 | $10,658.73 | 7.982% | $1,974.74 | $1,974.74 | 7.625% | No | No | Non-Employment Income | US Citizen | $2,708.13 | 1 | [redacted] | $1,922.04 | [redacted] | $160.17 | 45.956% | 45.956% | 45.956% | [Redacted] | 676 | No | No | [Borrower - | Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $9,048.55 | 6.520% | $0.00 | 999.0 | None | No | No | 7.625% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225740867 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $3,357.52 | 7.330% | $1,882.81 | $1,882.81 | 7.250% | No | No | Employed | US Citizen | $13,978.62 | 1 | [redacted] | $1,513.08 | [redacted] | $126.09 | 32.903% | 32.903% | 32.903% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.420% | $2,500.00 | 1.1 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,173,736.74 | 100.000% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 421.89 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225740885 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,464.25 | $6,628.80 | 6.992% | $1,043.71 | $1,043.71 | 6.625% | No | No | Non-Employment Income | US Citizen | $1,458.84 | 1 | [redacted] | $739.08 | [redacted] | $61.59 | 54.611% | 54.611% | 54.611% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,464.25 | 6.600% | $125,000.00 | None | No | No | 6.625% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $139,811.90 | 43.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225740898 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,992.50 | $15,485.44 | 9.253% | $4,401.37 | $4,401.37 | 8.990% | No | No | Employed | Employed | US Citizen | US Citizen | $8,194.73 | 1 | [redacted] | $2,772.00 | [redacted] | $231.00 | 42.694% | 42.694% | 42.694% | [Redacted] | 650 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,992.50 | 6.420% | $12,500.00 | 2.9 | None | No | No | 8.990% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $234,736.75 | 32.150% | No | 11 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.2 | No | $0.00 | $6,500.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225743824 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,521.80 | 6.956% | $1,921.52 | $1,921.52 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $13,908.91 | 1 | [redacted] | $2,595.48 | [redacted] | $216.29 | 26.440% | 26.440% | 26.440% | 793 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $272,663.89 | 69.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.44 | No | No | $0.00 | $12,105.91 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225743902 | [Redacted] | [Redacted] | N/A | No | No | $2,038.75 | $2,038.75 | 6.990% | No | No | Permanent Resident Alien | 1 | [redacted] | $969.96 | [redacted] | $80.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | 240 | [redacted] | $147,802.61 | 33.780% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225743918 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,590.00 | $12,346.56 | 6.623% | $4,740.51 | $4,740.51 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $13,281.33 | 1 | [redacted] | $1,333.44 | [redacted] | $111.12 | 39.170% | 39.170% | 39.170% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,590.00 | 6.420% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $302,762.48 | 30.270% | No | 21 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.97 | No | No | $0.00 | $15,833.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225743932 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,850.20 | $12,268.00 | 7.140% | $2,664.50 | $2,664.50 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $6,223.18 | 1 | [redacted] | $1,418.04 | [redacted] | $118.17 | 35.742% | 35.742% | 35.742% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2002 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,850.20 | 6.420% | $10,000.00 | 1.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $144,121.71 | 28.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon | FICO Risk Score Classic 04 | Resident Alien Card | 9.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744250 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $2,725.63 | 6.084% | $4,902.01 | $5,258.39 | 6.408% | No | No | Employed | Employed | US Citizen | US Citizen | $18,692.39 | 1 | [redacted] | $5,801.04 | [redacted] | $483.42 | 28.842% | 27.485% | 28.842% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 5.930% | $0.00 | 4.5 | DU | ApproveEligible | Yes | No | 6.408% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $3,391,215.59 | No | 25 | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 465.36 | No | $0.00 | $12,875.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744257 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,301.25 | $11,173.29 | 8.455% | $3,512.17 | $3,512.17 | 8.250% | No | No | Self-Employed | US Citizen | $22,496.97 | 1 | [redacted] | $2,588.04 | [redacted] | $215.67 | 28.543% | 28.543% | 28.543% | [Redacted] | 727 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,301.25 | 6.600% | $0.00 | 1.9 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $85,760.05 | 15.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744520 | [Redacted] | [Redacted] | N/A | No | No | $2,305.44 | $2,305.44 | 6.990% | No | No | US Citizen | 1 | [redacted] | $5,349.96 | [redacted] | $445.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $145,002.80 | 31.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744696 | [Redacted] | [Redacted] | Non QM | Yes | No | $30,890.00 | $60,130.92 | 7.134% | $13,138.58 | $13,138.58 | 6.875% | No | No | Non-Employment Income | US Citizen | $30,491.57 | 1 | [redacted] | $4,342.44 | [redacted] | $361.87 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2008 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $30,890.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,978,591.76 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 234.59 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744917 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,247.67 | $12,308.50 | 7.603% | $3,215.09 | $3,215.09 | 7.375% | No | No | Not Employed | Not Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $10,494.09 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 37.576% | 37.576% | 37.576% | [Redacted] | 794 | 775 | 812 | 794 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,247.67 | 6.430% | $6,476.18 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $573,385.88 | 86.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.44 | No | No | $16,810.96 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744924 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $4,712.20 | 6.907% | $4,286.46 | $4,286.46 | 6.875% | No | No | Employed | US Citizen | $5,234.72 | 1 | [redacted] | $693.96 | [redacted] | $57.83 | 47.865% | 47.865% | 47.865% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744938 | [Redacted] | [Redacted] | N/A | No | No | $5,730.28 | $5,730.28 | 7.250% | No | No | US Citizen | US Citizen | 1 | [redacted] | $3,008.28 | [redacted] | $250.69 | 0.000% | 0.000% | 0.000% | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $804,743.59 | 76.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.46 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745233 | [Redacted] | [Redacted] | N/A | No | No | $1,467.62 | $1,467.62 | 7.875% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,230.96 | [redacted] | $102.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.9 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Risk Score Classic 04 | No | 9.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745236 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $3,812.50 | 6.793% | $2,853.83 | $2,853.83 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $25,977.05 | 1 | [redacted] | $1,608.00 | [redacted] | $134.00 | 30.760% | 30.760% | 30.760% | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.410% | $0.00 | 4.6 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $220,270.25 | 40.040% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.99 | No | No | $0.00 | $13,263.75 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745238 | [Redacted] | [Redacted] | N/A | No | No | $10,742.40 | $13,792.65 | 6.697% | $1,724.01 | $1,724.01 | 6.250% | No | No | Not Employed | Self-Employed | US Citizen | $16,237.13 | 1 | [redacted] | $1,184.52 | [redacted] | $98.71 | 32.415% | 32.415% | 32.415% | [Redacted] | 790 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,742.40 | 6.410% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | [redacted] | $436,700.94 | 78.680% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.24 | No | No | $24,024.72 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745239 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,297.25 | $8,876.54 | 7.928% | $2,958.78 | $2,958.78 | 7.750% | No | No | Self-Employed | US Citizen | $28,074.77 | 1 | [redacted] | $3,479.16 | [redacted] | $289.93 | 17.793% | 17.793% | 17.793% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,297.25 | 6.410% | $130,000.00 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $75,485.32 | 12.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745244 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,045.00 | $14,984.48 | 6.963% | $2,535.63 | $2,535.63 | 6.625% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,421.72 | 1 | [redacted] | $1,535.04 | [redacted] | $127.92 | 49.033% | 49.033% | 49.033% | [Redacted] | 789 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,045.00 | 6.320% | $16,200.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $147,386.05 | 29.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10.85 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745395 | [Redacted] | [Redacted] | N/A | No | No | $1,080.65 | $1,080.65 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,745.16 | [redacted] | $145.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746045 | [Redacted] | [Redacted] | N/A | No | No | $2,598.15 | $2,598.15 | 6.875% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $780.96 | [redacted] | $65.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $1,058,222.46 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 267.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746088 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $10,874.77 | 7.083% | $5,483.21 | $5,483.21 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $76,577.76 | 1 | [redacted] | $2,924.64 | [redacted] | $243.72 | 13.482% | 13.482% | 13.482% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,498,262.04 | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 186.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/11/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746090 | [Redacted] | [Redacted] | N/A | No | No | $1,093.32 | $1,093.32 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,882.52 | [redacted] | $240.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746091 | [Redacted] | [Redacted] | N/A | No | No | $7,783.18 | $7,783.18 | 6.750% | No | No | Permanent Resident Alien | Permanent Resident Alien | 4 | [redacted] | $2,952.96 | [redacted] | $246.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746094 | [Redacted] | [Redacted] | N/A | No | No | $1,363.47 | $1,363.47 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,305.00 | [redacted] | $108.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.5 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $91,843.74 | 35.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.61 | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746188 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,134.00 | $3,251.92 | 7.414% | $673.72 | $673.72 | 7.125% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $6,272.93 | 1 | [redacted] | $1,287.48 | [redacted] | $107.29 | 44.716% | 44.716% | 44.716% | [Redacted] | 792 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $2,134.00 | 6.410% | $4,000.00 | 1.0 | None | N/A | No | 7.125% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | [redacted] | $1,148,784.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 907.63 | No | No | $9,526.76 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746193 | [Redacted] | [Redacted] | N/A | No | No | $1,832.33 | $1,832.33 | 7.250% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,066.20 | [redacted] | $88.85 | 0.000% | 0.000% | 0.000% | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746347 | [Redacted] | [Redacted] | N/A | No | No | $3,030.08 | $3,030.08 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,395.84 | [redacted] | $116.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $341,835.68 | 55.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.87 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746380 | [Redacted] | [Redacted] | N/A | No | No | $1,952.91 | $1,952.91 | 7.500% | No | No | US Citizen | Permanent Resident Alien | 1 | [redacted] | $1,032.00 | [redacted] | $86.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.17 | [redacted] | $180,522.32 | 45.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $18,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746445 | [Redacted] | [Redacted] | N/A | No | No | $2,646.28 | $2,646.28 | 6.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,550.00 | [redacted] | $212.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $164,268.93 | 32.200% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746463 | [Redacted] | [Redacted] | N/A | No | No | $4,569.61 | $4,569.61 | 8.375% | No | No | US Citizen | US Citizen | 2 | [redacted] | $1,325.16 | [redacted] | $110.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746470 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,344.04 | 7.362% | $7,129.17 | $9,256.42 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $22,659.57 | 1 | [redacted] | $3,005.52 | [redacted] | $250.46 | 42.518% | 37.122% | 42.518% | [Redacted] | 745 | No | Yes | 36 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.600% | $11,800.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $395,973.29 | 27.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225747761 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,097.80 | $21,426.07 | 7.966% | $4,105.20 | $4,105.20 | 7.625% | No | No | Self-Employed | US Citizen | $38,584.88 | 1 | [redacted] | $1,889.04 | [redacted] | $157.42 | 23.533% | 23.533% | 23.533% | [Redacted] | 677 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,097.80 | 6.420% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $165,099.50 | 22.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225748729 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,027.70 | 7.568% | $2,674.50 | $2,674.50 | 7.500% | No | No | Self-Employed | US Citizen | $5,343.63 | 1 | [redacted] | $1,302.00 | [redacted] | $108.50 | 49.871% | 49.871% | 49.871% | [Redacted] | 773 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.420% | $0.00 | 1.7 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $27,011.40 | 6.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225749222 | [Redacted] | [Redacted] | N/A | No | No | $1,150.21 | $1,150.21 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,860.96 | [redacted] | $155.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225749371 | [Redacted] | [Redacted] | N/A | No | No | $1,032.74 | $1,032.74 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,497.00 | [redacted] | $124.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.09 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225751245 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $8,960.25 | 8.778% | $9,912.43 | $9,912.43 | 8.750% | No | No | Employed | US Citizen | $68,383.78 | 1 | [redacted] | $4,435.32 | [redacted] | $369.61 | 18.348% | 18.348% | 18.348% | [Redacted] | 622 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.060% | $8,648.14 | 2.5 | None | No | No | 8.750% | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $127,400.07 | 7.070% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 175.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225752848 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,740.00 | $13,112.93 | 6.897% | $4,507.76 | $4,507.76 | 6.750% | No | No | Non-Employment Income | US Citizen | $13,634.18 | 1 | [redacted] | $1,905.00 | [redacted] | $158.75 | 38.163% | 38.163% | 38.163% | [Redacted] | 790 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $8,740.00 | 6.410% | $0.00 | 4.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $2,869,765.53 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 325.05 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225752968 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,512.00 | $11,328.30 | 8.040% | $4,118.39 | $4,118.39 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $8,281.41 | 1 | [redacted] | $1,475.04 | [redacted] | $122.92 | 41.206% | 41.206% | 41.206% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,512.00 | 6.320% | $0.00 | 2.5 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $221,473.23 | 31.190% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 18.06 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754822 | [Redacted] | [Redacted] | N/A | No | No | $884.98 | $884.98 | 9.875% | No | No | US Citizen | 1 | [redacted] | $1,576.08 | [redacted] | $131.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $57,988.83 | 48.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754823 | [Redacted] | [Redacted] | N/A | No | No | $14,107.60 | $15,887.65 | 8.254% | $2,235.21 | $2,235.21 | 7.750% | No | No | Self-Employed | US Citizen | $7,893.26 | 1 | [redacted] | $998.04 | [redacted] | $83.17 | 38.332% | 38.332% | 38.332% | [Redacted] | 661 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.75000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.75000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.75000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.75000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.75000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $14,107.60 | 6.600% | $0.00 | 2.6 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $130,000.00 | 30.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.93 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754825 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,120.00 | $5,288.90 | 7.308% | $996.95 | $996.95 | 6.990% | No | No | Non-Employment Income | US Citizen | $12,045.11 | 1 | [redacted] | $618.96 | [redacted] | $51.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,120.00 | 6.320% | $1,000.00 | 1.2 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,098,979.20 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 363.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754829 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,458.76 | $8,030.64 | 7.235% | $1,910.81 | $1,910.81 | 6.990% | No | No | Self-Employed | US Citizen | $14,857.89 | 1 | [redacted] | $2,607.00 | [redacted] | $217.25 | 32.322% | 32.322% | 32.322% | [Redacted] | 722 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,458.76 | 6.430% | $5,465.20 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $371,969.90 | 64.690% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754832 | [Redacted] | [Redacted] | N/A | No | No | $1,180.77 | $1,180.77 | 6.750% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,023.96 | [redacted] | $85.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $50,261.66 | 20.100% | Yes | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754833 | [Redacted] | [Redacted] | N/A | No | No | $1,317.60 | $1,317.60 | 5.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $756.96 | [redacted] | $63.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | $207,789.58 | 51.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754888 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,306.32 | 7.110% | $4,333.33 | $6,490.49 | 7.593% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $25,606.06 | 1 | [redacted] | $2,742.24 | [redacted] | $228.52 | 27.126% | 20.987% | 27.126% | [Redacted] | 797 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.090% | $0.00 | 1.0 | None | No | No | 7.593% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $4,617,553.02 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 422.56 | No | $1,888.70 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754890 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,808.10 | 7.040% | $2,658.52 | $2,658.52 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,034.55 | 1 | [redacted] | $1,137.12 | [redacted] | $94.76 | 28.148% | 28.148% | 28.148% | 795 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.410% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 1 | 1 | 0 | 3 | 0 | No | [redacted] | $144,969.45 | 28.990% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.03 | No | No | $0.00 | $13,384.80 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754891 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,449.54 | $8,721.06 | 7.612% | $1,531.14 | $1,531.14 | 7.250% | No | No | Employed | US Citizen | $2,326.63 | 1 | [redacted] | $1,775.40 | [redacted] | $147.95 | 45.952% | 45.952% | 45.952% | [Redacted] | 672 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,449.54 | 6.410% | $0.00 | 1.0 | None | Yes | No | 7.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $143,827.74 | 42.930% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754892 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,801.37 | 7.156% | $5,713.13 | $5,713.13 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $9,562.66 | 1 | [redacted] | $2,271.96 | [redacted] | $189.33 | 48.131% | 48.131% | 48.131% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.260% | $0.00 | 2.6 | None | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 4 | 0 | 0.00 | No | [redacted] | $332,634.74 | 30.790% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.61 | No | No | $0.00 | $9,805.76 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754898 | [Redacted] | [Redacted] | N/A | No | No | $22,347.50 | $5,656.98 | 7.104% | $2,489.04 | $2,489.04 | 6.990% | No | No | Not Employed | Employed | Employed | 18.79 | US Citizen | US Citizen | $28,820.57 | 1 | [redacted] | $4,336.08 | [redacted] | $361.34 | 22.303% | 22.303% | 22.303% | [Redacted] | 762 | 781 | 762 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $22,347.50 | 6.520% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $761,495.30 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 149.6 | No | No | $0.00 | $37,093.33 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754900 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,205.20 | $7,127.10 | 6.943% | $4,309.45 | $4,309.45 | 6.875% | No | No | Self-Employed | US Citizen | $41,166.86 | 1 | [redacted] | $2,226.24 | [redacted] | $185.52 | 16.600% | 16.600% | 16.600% | [Redacted] | 742 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,205.20 | 6.600% | $3,280.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $16,000.00 | 1.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754946 | [Redacted] | [Redacted] | N/A | No | No | $1,136.16 | $1,136.16 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,260.00 | [redacted] | $105.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $138,919.68 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 204.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754949 | [Redacted] | [Redacted] | N/A | No | No | $1,105.95 | $1,105.95 | 6.990% | No | No | US Citizen | 2 | [redacted] | $2,613.96 | [redacted] | $217.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $117,325.35 | 56.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225755022 | [Redacted] | [Redacted] | N/A | No | No | $2,735.53 | $2,735.53 | 7.250% | No | No | US Citizen | 2 | [redacted] | $4,176.96 | [redacted] | $348.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757845 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,192.56 | $4,030.35 | 7.235% | $1,848.68 | $1,848.68 | 7.125% | No | No | Non-Employment Income | US Citizen | $21,049.00 | 1 | [redacted] | $1,206.00 | [redacted] | $100.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,192.56 | 6.600% | $6,860.00 | 2.8 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,246,997.60 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 581.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/26/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757846 | [Redacted] | [Redacted] | N/A | No | No | $5,233.97 | $5,233.97 | 6.990% | No | No | Foreign National | 1 | [redacted] | $4,386.96 | [redacted] | $365.58 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.9 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [redacted] | $166,646.90 | 15.870% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 20.64 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757853 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,671.46 | $15,296.42 | 7.290% | $2,532.91 | $2,863.78 | 7.590% | No | No | Non-Employment Income | US Citizen | $10,527.76 | 1 | [redacted] | $446.04 | [redacted] | $37.17 | 41.662% | 39.829% | 41.662% | [Redacted] | 820 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,671.46 | 6.060% | $0.00 | 1.0 | None | No | No | 7.590% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,851,844.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 482.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757856 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,985.24 | $5,560.04 | 7.835% | $2,500.66 | $2,584.52 | 7.840% | No | No | Self-Employed | US Citizen | $4,239.74 | 1 | [redacted] | $1,165.68 | [redacted] | $97.14 | 46.379% | 51.083% | 46.379% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,985.24 | 6.230% | $0.00 | 1.0 | None | Yes | No | 7.840% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $218,655.40 | 51.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757912 | [Redacted] | [Redacted] | N/A | No | No | $2,497.21 | $2,497.21 | 6.625% | No | No | 0 | 0 | US Citizen | 1 | [redacted] | $1,463.04 | [redacted] | $121.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $87,633.61 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757961 | [Redacted] | [Redacted] | N/A | No | No | $5,718.25 | $8,581.86 | 8.735% | $872.35 | $872.35 | 7.990% | No | No | Not Employed | Self-Employed | US Citizen | $208,943.79 | 1 | [redacted] | $657.00 | [redacted] | $54.75 | 5.294% | 5.294% | 5.294% | [Redacted] | 663 | No | Yes | 12 | Business | 100.000% | 90.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,718.25 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $74,674.28 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.48 | No | No | $220,624.02 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225758024 | [Redacted] | [Redacted] | N/A | No | No | $14,434.73 | $7,840.47 | 8.517% | $1,097.04 | $1,097.04 | 7.990% | No | No | Self-Employed | US Citizen | $8,282.98 | 1 | [redacted] | $2,171.04 | [redacted] | $180.92 | 44.024% | 44.024% | 44.024% | [Redacted] | 693 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,434.73 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225758286 | [Redacted] | [Redacted] | N/A | No | No | $25,918.13 | $34,397.99 | 7.767% | $13,775.44 | $13,775.44 | 7.625% | No | No | Not Employed | Self-Employed | Not Employed | Not Employed | 0 | 0 | US Citizen | US Citizen | $56,358.28 | 1 | [redacted] | $14,562.24 | [redacted] | $1,213.52 | 34.828% | 34.828% | 34.828% | [Redacted] | 726 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $25,918.13 | 6.600% | $0.00 | 2.6 | None | No | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.43 | Yes | No | $86,475.65 | $0.00 | No | No | No | No | 3 | 360 | AE | 06/09/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225758600 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,196.69 | $11,882.30 | 7.141% | $4,208.78 | $4,208.78 | 6.990% | No | No | Self-Employed | US Citizen | $59,512.75 | 1 | [redacted] | $2,133.00 | [redacted] | $177.75 | 11.826% | 11.826% | 11.826% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,196.69 | 6.410% | $20,880.00 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $14,000.00 | 1.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225765793 | [Redacted] | [Redacted] | N/A | No | No | $2,233.56 | $2,233.56 | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $3,317.04 | [redacted] | $276.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 818 | 804 | 814 | 823 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $22,834.84 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225765796 | [Redacted] | [Redacted] | N/A | No | No | $1,625.90 | $1,625.90 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,131.96 | [redacted] | $94.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | 755 | 830 | 801 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225765803 | [Redacted] | [Redacted] | N/A | No | No | $3,548.45 | $3,548.45 | 6.125% | No | No | US Citizen | 3 | [redacted] | $4,017.00 | [redacted] | $334.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [redacted] | $330,696.86 | 45.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.63 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225765826 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,750.00 | $4,515.33 | 6.963% | $1,135.05 | $1,135.05 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $70,259.48 | 1 | [redacted] | $3,860.04 | [redacted] | $321.67 | 5.968% | 5.968% | 5.968% | [Redacted] | 810 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,750.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $5,673,591.47 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1729.26 | No | No | $3,561.80 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767226 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,928.75 | $13,914.09 | 7.085% | $3,645.95 | $3,645.95 | 6.875% | No | No | Employed | Employed | Employed | 15.35 | US Citizen | US Citizen | US Citizen | $9,453.12 | 3 | [redacted] | $3,932.04 | [redacted] | $327.67 | 40.189% | 40.189% | 40.189% | [Redacted] | 720 | 741 | 720 | 718 | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,928.75 | 6.260% | $0.00 | DU | ApproveEligible | N/A | No | 6.875% | 2 | 2 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $30,819.94 | No | 27 | 27 | 29 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.67 | No | $4,994.30 | $4,549.19 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767674 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,295.00 | $6,258.06 | 6.565% | $4,129.93 | $4,129.93 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $21,866.91 | 1 | [redacted] | $3,284.04 | [redacted] | $273.67 | 36.387% | 36.387% | 36.387% | [Redacted] | 780 | No | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,295.00 | 6.420% | $5,000.00 | 1.5 | None | Yes | No | 6.500% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $795,880.63 | 73.080% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.67 | Yes | No | $0.00 | $14,375.01 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767746 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,590.00 | $7,089.05 | 5.838% | $3,209.65 | $3,209.65 | 5.750% | No | No | Self-Employed | US Citizen | $6,553.61 | 1 | [redacted] | $977.04 | [redacted] | $81.42 | 41.651% | 41.651% | 41.651% | [Redacted] | 802 | Yes | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,590.00 | 6.420% | $0.00 | 1.7 | None | N/A | No | 5.750% | 0 | 1 | 0 | 3 | 1 | 15.00 | No | Other | [redacted] | $764,393.96 | 61.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767758 | [Redacted] | [Redacted] | N/A | No | No | $1,939.25 | $1,939.25 | 6.875% | No | No | US Citizen | 1 | [redacted] | $811.32 | [redacted] | $67.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $103,793.57 | 28.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767844 | [Redacted] | [Redacted] | N/A | No | No | $998.53 | $998.53 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,136.04 | [redacted] | $94.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $97,442.08 | 51.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767881 | [Redacted] | [Redacted] | N/A | No | No | $2,155.25 | $2,155.25 | 6.990% | No | No | Permanent Resident Alien | 1 | [redacted] | $640.08 | [redacted] | $53.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | 240 | [redacted] | $330,171.11 | 71.380% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.94 | No | $0.00 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225769323 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,529.24 | $24,580.01 | 6.750% | $5,473.71 | $5,473.71 | 6.500% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $8,450.68 | 1 | [redacted] | $6,198.00 | [redacted] | $516.50 | 49.997% | 49.997% | 49.997% | [Redacted] | 718 | No | Yes | 12 | Personal | 59.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,529.24 | 6.260% | $0.00 | 1.8 | None | No | No | 6.500% | 0 | 2 | 2 | 0 | 2 | 2 | 12 | 0.00 | No | [redacted] | $101,315.55 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.11 | No | No | $0.00 | $6,083.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225769340 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,311.25 | $7,337.29 | 7.662% | $1,585.10 | $1,585.10 | 7.375% | No | No | Self-Employed | US Citizen | $20,089.58 | 1 | [redacted] | $565.44 | [redacted] | $47.12 | 18.350% | 18.350% | 18.350% | [Redacted] | 748 | No | Yes | 24 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,311.25 | 6.600% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $102,316.13 | 37.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225769586 | [Redacted] | [Redacted] | N/A | No | No | $693.37 | $693.37 | 8.990% | No | No | US Citizen | 2 | [redacted] | $1,566.96 | [redacted] | $130.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $1,790.45 | 1.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225769784 | [Redacted] | [Redacted] | N/A | No | No | $51,990.00 | $24,012.25 | 7.809% | $4,138.65 | $4,553.66 | 7.842% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,315.68 | 1 | [redacted] | $1,726.08 | [redacted] | $143.84 | 40.351% | 41.287% | 40.351% | [Redacted] | 695 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $51,990.00 | 6.210% | $0.00 | 3.5 | None | Yes | No | 7.842% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/27/2026 | $4,600,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770311 | [Redacted] | [Redacted] | N/A | No | No | $1,047.75 | $1,047.75 | 7.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,352.04 | [redacted] | $112.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.8 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.58 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770312 | [Redacted] | [Redacted] | N/A | No | No | $2,207.28 | $2,207.28 | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $3,234.96 | [redacted] | $269.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 818 | 804 | 814 | 823 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $22,834.84 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770315 | [Redacted] | [Redacted] | N/A | No | No | $2,592.06 | $2,592.06 | 6.990% | No | No | US Citizen | 2 | [redacted] | $4,444.80 | [redacted] | $370.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770318 | [Redacted] | [Redacted] | N/A | No | No | $2,186.56 | $6,091.37 | 7.218% | $3,153.00 | $3,153.00 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $21,518.52 | 1 | [redacted] | $1,398.12 | [redacted] | $116.51 | 23.797% | 23.797% | 23.797% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,186.56 | 6.520% | $2,000.00 | 1.0 | None | Yes | No | 7.125% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,429,525.61 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 285.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770319 | [Redacted] | [Redacted] | N/A | No | No | $1,887.55 | $1,887.55 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,440.00 | [redacted] | $120.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | 811 | 813 | 795 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $16,459.41 | 4.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770320 | [Redacted] | [Redacted] | N/A | No | No | $2,728.71 | $2,728.71 | 7.250% | No | No | US Citizen | Non-Permanent Resident Alien | 2 | [redacted] | $1,326.96 | [redacted] | $110.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $28,121.83 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770322 | [Redacted] | [Redacted] | N/A | No | No | $3,271.31 | $3,271.31 | 7.990% | No | No | US Citizen | 4 | [redacted] | $5,192.04 | [redacted] | $432.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770325 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,412.44 | $9,270.13 | 8.234% | $4,689.61 | $4,689.61 | 8.125% | No | No | Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $8,692.98 | 1 | [redacted] | $1,953.96 | [redacted] | $162.83 | 48.901% | 48.901% | 48.901% | [Redacted] | 684 | 809 | 808 | 778 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Coborrower(s) - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Non-Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,412.44 | 6.420% | $15,000.00 | 2.0 | None | No | No | 8.125% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $498,815.64 | 63.180% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.46 | Yes | No | $7,860.61 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770328 | [Redacted] | [Redacted] | N/A | No | No | $29,113.08 | $8,023.38 | 6.757% | $2,996.66 | $2,996.66 | 6.625% | No | No | Employed | US Citizen | $16,818.99 | 1 | [redacted] | $752.16 | [redacted] | $62.68 | 42.794% | 42.794% | 42.794% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $29,113.08 | 6.520% | $0.00 | 4.1 | None | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $197,180.45 | 33.700% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770329 | [Redacted] | [Redacted] | N/A | No | No | $13,451.00 | $15,505.01 | 8.136% | $2,759.62 | $2,759.62 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,427.08 | 1 | [redacted] | $1,524.00 | [redacted] | $127.00 | 35.580% | 35.580% | 35.580% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $13,451.00 | 6.120% | $0.00 | None | N/A | No | 7.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $577,824.97 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 139.12 | No | No | $0.00 | $21,666.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770331 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,102.00 | 7.206% | $1,744.93 | $1,744.93 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,776.45 | 1 | [redacted] | $762.00 | [redacted] | $63.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,001,421.32 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 387.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770332 | [Redacted] | [Redacted] | N/A | No | No | $12,840.00 | $17,167.03 | 7.782% | $6,370.14 | $6,370.14 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | $69,862.99 | 1 | [redacted] | $11,414.40 | [redacted] | $951.20 | 19.211% | 19.211% | 19.211% | [Redacted] | 726 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $12,840.00 | 6.600% | $0.00 | 4.5 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.56 | No | No | $86,475.65 | $0.00 | No | No | No | No | 3 | 360 | AE | 06/05/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770333 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,790.94 | $2,811.44 | 7.870% | $4,975.79 | $4,986.20 | 7.897% | No | No | Non-Employment Income | US Citizen | $29,427.72 | 1 | [redacted] | $3,839.04 | [redacted] | $319.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 691 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | [Redacted] | 0 | 0 | 0 | [Redacted] | $2,790.94 | 6.200% | $13,140.00 | 1.4 | None | Yes | No | 7.897% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,963,594.91 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 285.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770359 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,820.89 | 6.797% | $2,967.34 | $2,967.34 | 6.750% | No | No | Self-Employed | US Citizen | $5,809.91 | 1 | [redacted] | $2,322.00 | [redacted] | $193.50 | 45.400% | 45.400% | 45.400% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $100,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 3 | 2 | 0 | 3 | 1 | No | [redacted] | $80,800.45 | 13.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770361 | [Redacted] | [Redacted] | N/A | No | No | $29,865.00 | $430.00 | 6.225% | $3,078.59 | $3,078.59 | 6.250% | No | No | Employed | US Citizen | $16,814.10 | 1 | [redacted] | $1,292.04 | [redacted] | $107.67 | 38.200% | 38.200% | 38.200% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $29,865.00 | 6.600% | $37,500.00 | 4.6 | None | No | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $363,749.26 | 58.190% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770365 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,610.41 | $5,655.42 | 7.470% | $2,970.59 | $2,970.59 | 7.375% | No | No | Employed | US Citizen | $3,578.50 | 1 | [redacted] | $2,483.40 | [redacted] | $206.95 | 49.480% | 49.480% | 49.480% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,610.41 | 6.520% | $0.00 | 3.4 | DU | ApproveIneligible | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $30,152.50 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770367 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,065.00 | $11,663.50 | 7.296% | $10,232.64 | $10,232.64 | 7.250% | No | No | Self-Employed | US Citizen | $121,160.27 | 1 | [redacted] | $2,985.96 | [redacted] | $248.83 | 9.587% | 9.587% | 9.587% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,065.00 | 6.410% | $0.00 | 2.2 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $20,000.00 | 0.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770404 | [Redacted] | [Redacted] | N/A | No | No | $1,056.73 | $1,056.73 | 7.375% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,758.12 | [redacted] | $146.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 670 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $202,098.52 | 98.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770470 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,582.50 | $15,631.26 | 7.114% | $3,741.21 | $3,741.21 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Ethiopia | $13,844.64 | 1 | [redacted] | $1,251.96 | [redacted] | $104.33 | 23.750% | 23.750% | 23.750% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,582.50 | 6.420% | $100,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $65,242.90 | 9.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 7.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770504 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,190.20 | $2,936.58 | 7.325% | $531.70 | $531.70 | 6.990% | No | No | Non-Employment Income | US Citizen | $1,385.87 | 1 | [redacted] | $501.00 | [redacted] | $41.75 | 41.245% | 41.245% | 41.245% | [Redacted] | 755 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,190.20 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $245,360.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770536 | [Redacted] | [Redacted] | N/A | No | No | $852.53 | $852.53 | 7.750% | No | No | US Citizen | 1 | [redacted] | $438.00 | [redacted] | $36.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770590 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,390.00 | $13,218.48 | 7.009% | $5,255.43 | $5,255.43 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,974.24 | 1 | [redacted] | $2,358.00 | [redacted] | $196.50 | 47.736% | 47.736% | 47.736% | [Redacted] | 813 | No | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - IRA Distribution]; Other - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,390.00 | 6.420% | $0.00 | 3.1 | None | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,448,096.35 | 56.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 187.96 | Yes | No | $952.50 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770597 | [Redacted] | [Redacted] | N/A | No | No | $4,209.27 | $4,209.27 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,309.04 | [redacted] | $192.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | [redacted] | $1,110,043.71 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 177.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770784 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,995.00 | $7,046.26 | 6.540% | $6,320.68 | $6,320.68 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $27,197.38 | 1 | [redacted] | $3,093.12 | [redacted] | $257.76 | 40.798% | 40.798% | 40.798% | [Redacted] | 791 | No | Yes | 36 | Personal, Business | 100.000% | 38.750% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.75% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.75% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.75% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.75% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,995.00 | 6.520% | $1,500.00 | 2.4 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [redacted] | $2,128,205.98 | 76.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.4 | Yes | No | $37,563.37 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770829 | [Redacted] | [Redacted] | N/A | No | No | $1,628.35 | $1,628.35 | 6.990% | No | No | US Citizen | 3 | [redacted] | $3,044.40 | [redacted] | $253.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770840 | [Redacted] | [Redacted] | N/A | No | No | $7,825.38 | $14,943.92 | 6.322% | $1,796.80 | $1,796.80 | 5.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $31,233.98 | 1 | [redacted] | $2,067.36 | [redacted] | $172.28 | 16.706% | 16.706% | 16.706% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,825.38 | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 5.875% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $823,087.54 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 314.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770842 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,995.00 | $3,191.34 | 7.129% | $1,196.34 | $1,196.34 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $9,144.47 | 1 | [redacted] | $1,800.12 | [redacted] | $150.01 | 28.192% | 28.192% | 28.192% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $5,995.00 | 6.420% | $10,000.00 | 2.5 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $4,300.00 | 1.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | Employment Authorization, Passport | 121.13 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770857 | [Redacted] | [Redacted] | N/A | No | No | $2,056.76 | $2,056.76 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,806.96 | [redacted] | $150.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $165,827.80 | 41.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $3,137,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771358 | [Redacted] | [Redacted] | N/A | No | No | $1,990.00 | $3,128.24 | 6.890% | $4,449.05 | $4,449.05 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $10,985.93 | 1 | [redacted] | $2,817.12 | [redacted] | $234.76 | 44.186% | 44.186% | 44.186% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $14,700.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $496,212.98 | 54.950% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.9 | No | No | $0.00 | $1,869.55 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771382 | [Redacted] | [Redacted] | N/A | No | No | $7,380.00 | $10,430.16 | 7.015% | $3,869.31 | $3,869.31 | 6.875% | No | No | Non-Employment Income | US Citizen | $24,224.91 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $7,380.00 | 6.320% | $0.00 | 1.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $4,452,837.55 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 779.81 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771384 | [Redacted] | [Redacted] | N/A | No | No | $10,539.66 | $0.00 | 7.088% | $1,983.43 | $1,983.43 | 7.125% | No | No | Employed | US Citizen | $2,992.54 | 3 | [redacted] | $3,216.96 | [redacted] | $268.08 | 40.455% | 40.455% | 40.455% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,539.66 | 6.410% | $51,150.00 | None | N/A | No | 7.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $84,385.14 | 22.930% | No | 15 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.37 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/12/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771391 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,230.00 | $8,263.46 | 7.224% | $1,445.24 | $1,445.24 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,955.63 | 1 | [redacted] | $344.16 | [redacted] | $28.68 | 42.555% | 42.555% | 42.555% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,230.00 | 6.600% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $152,863.58 | 55.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.26 | Yes | No | $3,100.10 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771429 | [Redacted] | [Redacted] | N/A | No | No | $5,440.00 | $6,796.65 | 8.226% | $1,359.51 | $1,359.51 | 7.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $8,811.56 | 1 | [redacted] | $780.48 | [redacted] | $65.04 | 37.066% | 37.066% | 37.066% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,440.00 | 6.420% | $0.00 | 2.0 | None | Yes | No | 7.875% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $335,814.19 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | Other | FICO II | Beacon 5.0 | Other | 129.18 | No | No | $1,108.75 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771684 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,925.00 | $24,519.35 | 7.032% | $6,989.58 | $9,367.33 | 6.875% | No | No | Employed | US Citizen | $13,207.67 | 1 | [redacted] | $2,738.28 | [redacted] | $228.19 | 47.285% | 37.795% | 47.285% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,925.00 | 6.320% | $0.00 | 2.8 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $964,311.21 | 63.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772140 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,418.13 | 7.541% | $5,034.58 | $5,473.84 | 7.840% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Israel | Israel | $13,465.86 | 1 | [redacted] | $3,236.28 | [redacted] | $269.69 | 36.741% | 39.111% | 36.741% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 9.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.230% | $0.00 | 1.0 | None | No | No | 7.840% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $311,042.19 | 30.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 5.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | 06/12/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772155 | [Redacted] | [Redacted] | N/A | No | No | $1,845.93 | $1,845.93 | 7.500% | No | No | US Citizen | 2 | [redacted] | $2,167.08 | [redacted] | $180.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $91,867.99 | 27.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772158 | [Redacted] | [Redacted] | N/A | No | No | $1,215.59 | $1,215.59 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,551.72 | [redacted] | $129.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $142,464.80 | 64.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772524 | [Redacted] | [Redacted] | N/A | No | No | $1,019.08 | $1,019.08 | 7.250% | No | No | US Citizen | 1 | [redacted] | $476.04 | [redacted] | $39.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | 240 | [redacted] | $93,912.69 | 41.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772576 | [Redacted] | [Redacted] | N/A | No | No | $2,865.14 | $2,865.14 | 7.250% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,578.96 | [redacted] | $131.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $185,888.33 | 35.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 15.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772589 | [Redacted] | [Redacted] | N/A | No | No | $2,924.38 | $2,924.38 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,124.88 | [redacted] | $93.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 690 | No | No | DSCR | 1 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1 | [redacted] | $1,983,312.71 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 361.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | AE | $69,250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772590 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,247.74 | $12,467.58 | 7.378% | $2,910.46 | $2,910.46 | 7.125% | No | No | Self-Employed | US Citizen | $5,351.27 | 1 | [redacted] | $2,831.40 | [redacted] | $235.95 | 41.227% | 41.227% | 41.227% | [Redacted] | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.64000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.64000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.64000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.64000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.64000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.64000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,247.74 | 6.420% | $0.00 | 1.2 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $199,174.30 | 36.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/11/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772591 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,035.00 | $29,825.79 | 8.083% | $9,106.88 | $9,106.88 | 7.875% | No | No | Self-Employed | US Citizen | $12,787.57 | 2 | [redacted] | $4,362.48 | [redacted] | $363.54 | 44.560% | 44.560% | 44.560% | [Redacted] | 684 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $14,035.00 | 6.600% | $120,000.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $303,174.71 | 19.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772699 | [Redacted] | [Redacted] | N/A | No | No | $1,595.11 | $1,595.11 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,842.96 | [redacted] | $153.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $127,108.47 | 39.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225774333 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,968.91 | 6.931% | $2,286.11 | $2,286.11 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,422.96 | 1 | [redacted] | $1,647.00 | [redacted] | $137.25 | 49.677% | 49.677% | 49.677% | [Redacted] | 747 | No | Yes | 12 | Personal | 31.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.520% | $10,000.00 | 1.6 | None | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | [redacted] | $135,358.56 | 31.110% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.55 | No | $0.00 | $3,655.60 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225774897 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,634.30 | $6,783.82 | 7.648% | $1,579.92 | $1,579.92 | 7.375% | No | No | Self-Employed | US Citizen | $4,322.54 | 1 | [redacted] | $1,244.04 | [redacted] | $103.67 | 41.628% | 41.628% | 41.628% | [Redacted] | 682 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $5,634.30 | 6.600% | $0.00 | 2.5 | None | Yes | No | 7.375% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $119,112.36 | 39.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225774904 | [Redacted] | [Redacted] | N/A | No | No | $1,692.84 | $1,692.84 | 6.750% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,792.56 | [redacted] | $149.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.07 | [redacted] | $144,138.26 | 41.410% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225774908 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,644.24 | $7,874.31 | 7.048% | $5,263.88 | $5,263.88 | 6.990% | No | No | Self-Employed | US Citizen | $10,888.64 | 1 | [redacted] | $1,843.08 | [redacted] | $153.59 | 45.490% | 45.490% | 45.490% | [Redacted] | 782 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $3,644.24 | 6.520% | $2,500.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $331,191.07 | 33.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775189 | [Redacted] | [Redacted] | N/A | No | No | $780.41 | $780.41 | 7.250% | No | No | US Citizen | 1 | [redacted] | $771.00 | [redacted] | $64.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [redacted] | $500.00 | 0.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775192 | [Redacted] | [Redacted] | Non QM | Yes | No | $27,000.00 | $6,288.48 | 7.138% | $8,084.63 | $8,084.63 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $57,587.78 | 1 | [redacted] | $2,994.00 | [redacted] | $249.50 | 30.680% | 30.680% | 30.680% | [Redacted] | 765 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $27,000.00 | 6.600% | $0.00 | 3.7 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $376,994.00 | 25.130% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.23 | Yes | No | $29,767.12 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775200 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $17,932.64 | 7.228% | $9,038.61 | $9,038.61 | 7.125% | No | No | Employed | Permanent Resident Alien | $18,924.55 | 1 | [redacted] | $8,019.00 | [redacted] | $668.25 | 44.450% | 44.450% | 44.450% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $10,000.00 | 3.4 | None | No | No | 7.125% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $454,889.44 | 27.120% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.42 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775208 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,052.50 | $9,289.35 | 7.540% | $9,299.55 | $9,299.55 | 7.500% | No | No | Self-Employed | US Citizen | $18,164.50 | 1 | [redacted] | $3,992.76 | [redacted] | $332.73 | 45.283% | 45.283% | 45.283% | [Redacted] | 701 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,052.50 | 6.510% | $0.00 | 999.0 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775209 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,690.00 | $32,881.75 | 6.994% | $13,795.51 | $13,795.51 | 6.875% | No | No | Self-Employed | US Citizen | $1,217,372.40 | 1 | [redacted] | $12,342.00 | [redacted] | $1,028.50 | 3.805% | 3.805% | 3.805% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $22,690.00 | 6.320% | $0.00 | 4.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,122,028.68 | 42.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.96 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775211 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,576.88 | $15,860.42 | 7.489% | $2,043.74 | $2,043.74 | 6.990% | No | No | Self-Employed | US Citizen | $9,086.67 | 1 | [redacted] | $1,103.16 | [redacted] | $91.93 | 36.685% | 36.685% | 36.685% | [Redacted] | 677 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $14,576.88 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $12,979.45 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775215 | [Redacted] | [Redacted] | N/A | No | No | $2,204.21 | $2,204.21 | 7.875% | No | No | US Citizen | 2 | [redacted] | $2,109.00 | [redacted] | $175.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 707 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $327,227.07 | 86.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775216 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $6,228.33 | 6.932% | $4,372.52 | $4,372.52 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,997.27 | 1 | [redacted] | $2,406.00 | [redacted] | $200.50 | 33.327% | 33.327% | 33.327% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.420% | $156,000.00 | 2.6 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $6,789.74 | 0.810% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.26 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775222 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,346.88 | $6,112.46 | 8.681% | $2,249.07 | $2,249.07 | 8.500% | No | No | Non-Employment Income | US Citizen | $13,094.90 | 1 | [redacted] | $1,101.96 | [redacted] | $91.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,346.88 | 6.520% | $0.00 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $829,059.15 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 339.4 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775248 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,996.15 | $12,022.20 | 7.621% | $7,003.50 | $9,580.67 | 7.840% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $26,251.68 | 1 | [redacted] | $990.00 | [redacted] | $82.50 | 41.605% | 35.872% | 41.605% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $4,996.15 | 6.060% | $0.00 | 4.4 | None | N/A | No | 7.840% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $956,677.22 | 66.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 81.23 | No | No | $22,477.47 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775282 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,715.00 | $6,836.95 | 7.072% | $1,970.79 | $1,970.79 | 6.875% | No | No | Self-Employed | US Citizen | $6,629.67 | 1 | [redacted] | $1,222.68 | [redacted] | $101.89 | 32.052% | 32.052% | 32.052% | [Redacted] | 815 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,715.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775288 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,704.50 | $20,256.48 | 7.216% | $3,613.11 | $3,613.11 | 6.875% | No | No | Self-Employed | US Citizen | $9,230.67 | 1 | [redacted] | $2,642.04 | [redacted] | $220.17 | 39.784% | 39.784% | 39.784% | [Redacted] | 718 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $16,704.50 | 6.600% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 25.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775361 | [Redacted] | [Redacted] | N/A | No | No | $1,540.00 | $4,640.90 | 6.906% | $4,478.15 | $4,478.15 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,149.95 | 1 | [redacted] | $3,704.40 | [redacted] | $308.70 | 37.508% | 37.508% | 37.508% | [Redacted] | 767 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,540.00 | 6.410% | $17,042.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $89,840.35 | 10.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.04 | No | No | ($401.33) | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775413 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,187.25 | $14,232.41 | 7.154% | $4,917.61 | $4,917.61 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $577,215.41 | 1 | [redacted] | $3,710.04 | [redacted] | $309.17 | 3.474% | 3.474% | 3.474% | [Redacted] | 717 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $22,187.25 | 6.430% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $238,074.35 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.13 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775424 | [Redacted] | [Redacted] | N/A | No | No | $5,337.12 | $12,856.45 | 6.397% | $2,529.48 | $2,529.48 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $22,303.74 | 1 | [redacted] | $1,364.76 | [redacted] | $113.73 | 45.633% | 45.633% | 45.633% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,337.12 | 6.320% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.125% | 1 | 1 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $25,625.96 | No | 24 | 16 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.24 | No | No | $0.00 | $23,651.31 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775426 | [Redacted] | [Redacted] | N/A | No | No | $3,547.32 | $3,547.32 | 7.250% | No | No | Foreign National | 1 | [redacted] | $1,021.56 | [redacted] | $85.13 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | [redacted] | $461,102.08 | 57.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 41.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775466 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,035.00 | $28,443.70 | 8.011% | $7,307.40 | $7,307.40 | 7.750% | No | No | Self-Employed | US Citizen | $18,108.75 | 1 | [redacted] | $3,642.96 | [redacted] | $303.58 | 40.570% | 40.570% | 40.570% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $22,035.00 | 6.320% | $0.00 | 2.6 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $63,500.00 | 4.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775472 | [Redacted] | [Redacted] | N/A | No | No | $1,651.89 | $1,651.89 | 7.500% | No | No | US Citizen | 2 | [redacted] | $3,675.00 | [redacted] | $306.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775485 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $10,107.64 | 8.036% | $8,364.53 | $10,499.96 | 7.990% | No | No | Non-Employment Income | US Citizen | $64,901.20 | 1 | [redacted] | $3,809.40 | [redacted] | $317.45 | 21.123% | 18.527% | 21.123% | [Redacted] | 695 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.420% | $0.00 | 2.5 | None | No | No | 7.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $7,790,819.89 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 733.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775789 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,290.00 | $8,717.93 | 6.894% | $3,113.27 | $3,113.27 | 6.750% | No | No | Self-Employed | US Citizen | $136,181.97 | 1 | [redacted] | $4,035.00 | [redacted] | $336.25 | 12.784% | 12.784% | 12.784% | [Redacted] | 719 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,290.00 | 6.600% | $0.00 | 1.2 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $645,440.54 | 80.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778203 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,758.75 | $14,009.15 | 6.574% | $3,626.24 | $3,626.24 | 6.375% | No | No | Self-Employed | US Citizen | $691,416.04 | 1 | [redacted] | $2,786.04 | [redacted] | $232.17 | 4.350% | 4.350% | 4.350% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,758.75 | 6.420% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $657,984.84 | 84.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 231.48 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778230 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,779.66 | $7,566.71 | 7.332% | $4,638.25 | $4,638.25 | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $20,592.44 | 1 | [redacted] | $7,220.28 | [redacted] | $601.69 | 28.036% | 28.036% | 28.036% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,779.66 | 6.520% | $0.00 | 2.6 | None | Yes | No | 7.250% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $2,277,431.23 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 349.69 | Yes | No | $26,688.04 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778249 | [Redacted] | [Redacted] | N/A | No | No | $1,821.27 | $1,821.27 | 7.000% | No | No | US Citizen | 1 | [redacted] | $2,838.96 | [redacted] | $236.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $56,661.52 | 15.520% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778267 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,850.00 | $5,907.16 | 7.207% | $1,595.36 | $1,595.36 | 6.990% | No | No | Non-Employment Income | US Citizen | $17,261.97 | 1 | [redacted] | $1,386.96 | [redacted] | $115.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,850.00 | 6.420% | $0.00 | 3.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,271,863.15 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 477.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778269 | [Redacted] | [Redacted] | N/A | No | No | $1,595.00 | $5,171.94 | 7.395% | $2,019.24 | $2,019.24 | 7.250% | No | No | Self-Employed | US Citizen | $21,981.50 | 1 | [redacted] | $1,529.64 | [redacted] | $127.47 | 21.541% | 21.541% | 21.541% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.260% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 1 | 0 | 3 | 0 | No | [redacted] | $471,650.34 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 133.01 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778277 | [Redacted] | [Redacted] | N/A | No | No | $2,741.60 | $2,741.60 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,193.76 | [redacted] | $99.48 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | [redacted] | $144,641.76 | 26.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 35.47 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778767 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $6,090.16 | 6.894% | $8,408.69 | $8,408.69 | 6.875% | No | No | Employed | Permanent Resident Alien | $13,897.89 | 1 | [redacted] | $5,784.00 | [redacted] | $482.00 | 49.996% | 49.996% | 49.996% | [Redacted] | 755 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $494,958.90 | No | 6 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 46.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778772 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,883.75 | $19,576.56 | 8.159% | $6,564.62 | $6,564.62 | 7.990% | No | No | Non-Employment Income | US Citizen | $13,534.45 | 1 | [redacted] | $5,874.60 | [redacted] | $489.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $12,883.75 | 6.420% | $0.00 | 2.2 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,341,697.88 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.75 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AO | 06/02/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778805 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,963.75 | $7,719.40 | 7.587% | $2,175.63 | $2,175.63 | 7.375% | No | No | Self-Employed | US Citizen | $5,628.85 | 1 | [redacted] | $723.00 | [redacted] | $60.25 | 37.487% | 37.487% | 37.487% | [Redacted] | 785 | No | Yes | 48 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,963.75 | 6.600% | $5,000.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $149,939.99 | 35.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779185 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,666.60 | $7,265.88 | 6.930% | $1,395.88 | $1,395.88 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,695.34 | 1 | [redacted] | $2,253.96 | [redacted] | $187.83 | 33.981% | 33.981% | 33.981% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $5,666.60 | 6.420% | $1,000.00 | 1.8 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $749,376.40 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 130.09 | Yes | No | $1,029.90 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779197 | [Redacted] | [Redacted] | N/A | No | No | $1,195.00 | $2,905.90 | 6.800% | $2,432.24 | $2,432.24 | 6.750% | No | No | Employed | US Citizen | $10,826.06 | 1 | [redacted] | $1,388.04 | [redacted] | $115.67 | 33.382% | 33.382% | 33.382% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,195.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $212,021.92 | 42.400% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.14 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779329 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,766.25 | $5,917.98 | 8.303% | $1,330.52 | $1,330.52 | 7.990% | No | No | Non-Employment Income | US Citizen | $3,901.87 | 1 | [redacted] | $6,627.96 | [redacted] | $552.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 697 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,766.25 | 6.320% | $0.00 | 3.4 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $294,490.62 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 187.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 09/24/2026 | $188,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779331 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,709.45 | 7.488% | $1,880.93 | $2,095.59 | 7.840% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,945.05 | 1 | [redacted] | $3,546.96 | [redacted] | $295.58 | 37.215% | 37.744% | 37.215% | 720 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.200% | $0.00 | 1.0 | None | Yes | No | 7.840% | 0 | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $1,176,604.83 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 246.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779360 | [Redacted] | [Redacted] | N/A | No | No | $10,600.00 | $4,796.26 | 8.436% | $1,102.61 | $1,102.61 | 8.125% | No | No | Not Employed | Self-Employed | US Citizen | $1,854.10 | 1 | [redacted] | $1,365.96 | [redacted] | $113.83 | 49.444% | 49.444% | 49.444% | [Redacted] | 706 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,600.00 | 6.520% | $0.00 | 1.0 | None | No | No | 8.125% | 0 | 2 | 2 | 0 | 2 | 1 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.52 | No | No | $3,667.42 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779658 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,340.00 | $7,272.28 | 7.550% | $2,520.96 | $2,520.96 | 7.375% | No | No | Self-Employed | US Citizen | $3,868.42 | 1 | [redacted] | $819.00 | [redacted] | $68.25 | 46.928% | 46.928% | 46.928% | [Redacted] | 681 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,340.00 | 6.420% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $104,584.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779678 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,874.14 | 7.446% | $2,719.53 | $2,719.53 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $25,025.67 | 1 | [redacted] | $1,128.24 | [redacted] | $94.02 | 27.956% | 27.956% | 27.956% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $0.00 | 1.6 | DU | ApproveEligible | No | No | 7.375% | 1 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $1,574,920.66 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 451.3 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780085 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,661.58 | $7,077.20 | 7.393% | $2,854.91 | $2,854.91 | 7.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,389.79 | 1 | [redacted] | $3,567.96 | [redacted] | $297.33 | 47.484% | 47.484% | 47.484% | [Redacted] | 691 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,661.58 | 6.420% | $15,000.00 | 1.2 | None | Yes | No | 7.250% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $1,820,471.05 | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 286.86 | Yes | No | $1,544.91 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780087 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,722.50 | $18,557.86 | 6.741% | $6,569.79 | $8,960.11 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $25,130.37 | 1 | [redacted] | $7,519.08 | [redacted] | $626.59 | 34.792% | 28.590% | 34.792% | [Redacted] | 790 | No | Yes | 24 | Business | 71.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,722.50 | 6.320% | $0.00 | 1.2 | None | Yes | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $1,025,456.43 | 60.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 106.83 | Yes | No | $0.00 | $11,314.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780088 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,976.77 | $6,969.31 | 6.998% | $2,955.69 | $2,955.69 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $3,572.13 | 1 | [redacted] | $2,232.96 | [redacted] | $186.08 | 49.570% | 49.570% | 49.570% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,976.77 | 6.420% | $14,493.92 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $259,730.38 | 43.290% | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780170 | [Redacted] | [Redacted] | N/A | No | No | $764.42 | $764.42 | 7.625% | No | No | US Citizen | 2 | [redacted] | $1,473.96 | [redacted] | $122.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 665 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780173 | [Redacted] | [Redacted] | N/A | No | No | $1,615.00 | $1,615.00 | 7.125% | No | No | US Citizen | 1 | [redacted] | $2,767.20 | [redacted] | $230.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | 240 | [redacted] | $114,845.97 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780174 | [Redacted] | [Redacted] | N/A | No | No | $972.90 | $972.90 | 6.750% | No | No | US Citizen | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 101.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $1,315,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780178 | [Redacted] | [Redacted] | N/A | No | No | $1,790.20 | $1,790.20 | 8.875% | No | No | US Citizen | 2 | [redacted] | $3,576.96 | [redacted] | $298.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 1 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780182 | [Redacted] | [Redacted] | N/A | No | No | $1,455.23 | $1,455.23 | 7.125% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $2,058.00 | [redacted] | $171.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $114,845.97 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780198 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,190.00 | $4,674.00 | 7.009% | $1,872.25 | $1,872.25 | 6.875% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $19,497.22 | 1 | [redacted] | $531.00 | [redacted] | $44.25 | 14.439% | 14.439% | 14.439% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,190.00 | 6.510% | $3,500.00 | 1.0 | None | No | No | 6.875% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $142,900.15 | 32.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 12.57 | No | $0.00 | $10,416.66 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780200 | [Redacted] | [Redacted] | N/A | No | No | $633.66 | $633.66 | 7.500% | No | No | Permanent Resident Alien | US Citizen | 1 | [redacted] | $807.96 | [redacted] | $67.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $81,634.69 | 65.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 42.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780297 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,468.00 | $12,576.04 | 7.264% | $5,120.26 | $5,120.26 | 7.125% | No | No | Employed | US Citizen | $21,481.72 | 1 | [redacted] | $3,431.88 | [redacted] | $285.99 | 36.326% | 36.326% | 36.326% | [Redacted] | 813 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,468.00 | 6.600% | $0.00 | 1.0 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 1 | 0.00 | No | [redacted] | $398,202.63 | 41.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/29/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780302 | [Redacted] | [Redacted] | N/A | No | No | $1,161.42 | $1,161.42 | 6.500% | No | No | US Citizen | 1 | [redacted] | $1,289.88 | [redacted] | $107.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $85,373.39 | 34.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780303 | [Redacted] | [Redacted] | N/A | No | No | $1,434.79 | $1,434.79 | 6.500% | No | No | US Citizen | 2 | [redacted] | $1,496.04 | [redacted] | $124.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.52 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780392 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $4,042.35 | 6.548% | $3,318.36 | $3,318.36 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,938.32 | 1 | [redacted] | $1,484.04 | [redacted] | $123.67 | 42.022% | 42.022% | 42.022% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.420% | $2,500.00 | 2.6 | DU | ApproveEligible | No | No | 6.500% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $329,001.51 | 43.860% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780395 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,679.13 | $9,009.86 | 7.055% | $6,322.64 | $6,322.64 | 6.990% | No | No | Non-Employment Income | US Citizen | $20,027.74 | 1 | [redacted] | $1,993.68 | [redacted] | $166.14 | 25.778% | 25.778% | 25.778% | [Redacted] | 798 | Yes | No | [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2023 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,679.13 | 6.510% | $2,000.00 | 1.8 | None | No | No | 6.990% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Other | [redacted] | $3,599,241.92 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 463.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780422 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,171.34 | 7.025% | $4,479.61 | $4,479.61 | 6.990% | No | No | Self-Employed | US Citizen | $7,340.11 | 1 | [redacted] | $1,158.00 | [redacted] | $96.50 | 44.797% | 44.797% | 44.797% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.420% | $0.00 | 2.9 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $52,108.56 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780440 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,402.56 | 6.904% | $4,296.88 | $5,758.60 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,058.42 | 1 | [redacted] | $3,845.04 | [redacted] | $320.42 | 49.306% | 40.110% | 49.306% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $0.00 | 1.8 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $153,221.67 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780577 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,119.39 | 6.535% | $4,582.49 | $4,582.49 | 6.500% | No | No | Employed | US Citizen | $14,501.12 | 1 | [redacted] | $3,000.36 | [redacted] | $250.03 | 47.851% | 47.851% | 47.851% | [Redacted] | 762 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Other - 2006 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $914,000.00 | 2.6 | None | No | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $970,330.32 | 56.250% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.03 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780617 | [Redacted] | [Redacted] | N/A | No | No | $1,034.16 | $1,034.16 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $453.48 | [redacted] | $37.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | 785 | 771 | 776 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $228,332.31 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 307.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780637 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $3,811.70 | 7.056% | $2,605.35 | $2,605.35 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $15,215.13 | 1 | [redacted] | $1,909.08 | [redacted] | $159.09 | 37.216% | 37.216% | 37.216% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.410% | $0.00 | 2.4 | DU | ApproveEligible | No | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $165,689.13 | 33.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.08 | Yes | No | $0.00 | $9,642.53 | No | No | No | No | 2 | 360 | AE | 06/05/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780845 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,103.00 | $4,480.32 | 7.359% | $4,296.88 | $6,097.62 | 7.621% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $26,389.16 | 1 | [redacted] | $5,394.96 | [redacted] | $449.58 | 34.936% | 33.578% | 34.936% | [Redacted] | 780 | No | No | [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,103.00 | 6.210% | $0.00 | 2.6 | None | No | No | 7.621% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [redacted] | No | 24 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.17 | No | No | $1,408.20 | $0.00 | No | No | No | No | 2 | 240 | AE | 05/09/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780874 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $10,662.58 | 7.271% | $4,159.54 | $4,159.54 | 7.125% | No | No | Self-Employed | US Citizen | $49,224.34 | 1 | [redacted] | $1,020.00 | [redacted] | $85.00 | 10.691% | 10.691% | 10.691% | [Redacted] | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.420% | $0.00 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $194,205.73 | 25.150% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780885 | [Redacted] | [Redacted] | N/A | No | No | $5,800.06 | $5,800.06 | 6.250% | No | No | US Citizen | 1 | [redacted] | $2,008.32 | [redacted] | $167.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [redacted] | $3,661,955.21 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 324.01 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780947 | [Redacted] | [Redacted] | N/A | No | No | $1,605.28 | $1,605.28 | 6.750% | No | No | US Citizen | 1 | [redacted] | $660.96 | [redacted] | $55.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | [redacted] | $5,000.00 | 1.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 249.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781197 | [Redacted] | [Redacted] | N/A | No | No | $3,315.24 | $3,315.24 | 7.375% | No | No | 0 | US Citizen | 2 | [redacted] | $3,369.96 | [redacted] | $280.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [redacted] | $2,299,401.62 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | 518.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781808 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,470.00 | $5,322.52 | 7.099% | $1,392.69 | $1,392.69 | 6.875% | No | No | Employed | US Citizen | $3,430.54 | 1 | [redacted] | $483.00 | [redacted] | $40.25 | 38.886% | 38.886% | 38.886% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,470.00 | 6.420% | $6,000.00 | 1.3 | None | No | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $138,003.31 | 52.070% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781829 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,870.00 | $7,482.63 | 7.513% | $3,163.64 | $3,439.66 | 7.840% | No | No | Self-Employed | US Citizen | $28,836.12 | 1 | [redacted] | $702.00 | [redacted] | $58.50 | 12.996% | 12.163% | 12.996% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,870.00 | 6.110% | $0.00 | 1.0 | None | Yes | No | 7.840% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $734,147.13 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 148.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781831 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,132.51 | $12,680.42 | 7.367% | $2,123.50 | $2,123.50 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,031.52 | 1 | [redacted] | $2,490.96 | [redacted] | $207.58 | 41.058% | 41.058% | 41.058% | [Redacted] | 774 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,132.51 | 6.410% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $73,917.27 | 20.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AO | 06/08/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781855 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,703.00 | $5,871.23 | 7.150% | $2,068.33 | $2,068.33 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $31,235.96 | 1 | [redacted] | $1,766.16 | [redacted] | $147.18 | 10.566% | 10.566% | 10.566% | [Redacted] | 708 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,703.00 | 6.420% | $17,500.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $3,890.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | 20.69 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781859 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,760.40 | $11,776.00 | 9.372% | $2,559.63 | $2,559.63 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $19,381.61 | 1 | [redacted] | $2,872.56 | [redacted] | $239.38 | 33.009% | 34.496% | 33.009% | [Redacted] | 670 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,760.40 | 6.210% | $9,000.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $85,112.72 | 21.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 7.3 | No | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781885 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,109.66 | $6,853.16 | 7.688% | $5,095.72 | $5,095.72 | 7.625% | No | No | Employed | US Citizen | $10,978.61 | 1 | [redacted] | $2,957.04 | [redacted] | $246.42 | 37.742% | 37.742% | 37.742% | [Redacted] | 708 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,109.66 | 6.260% | $20,000.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,553,841.95 | 100.000% | No | 12 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 253.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781917 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,145.00 | $10,163.18 | 7.322% | $6,958.20 | $6,958.20 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $11,820.70 | 1 | [redacted] | $2,635.08 | [redacted] | $219.59 | 49.640% | 49.640% | 49.640% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,145.00 | 6.420% | $150,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $374,682.88 | 29.380% | No | 29 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.29 | No | $0.00 | $7,514.26 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781968 | [Redacted] | [Redacted] | N/A | No | No | $3,622.49 | $6,523.99 | 9.292% | $1,006.98 | $1,006.98 | 8.750% | No | No | Employed | Non-Permanent Resident Alien | $2,402.18 | 1 | [redacted] | $606.12 | [redacted] | $50.51 | 47.205% | 47.205% | 47.205% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,622.49 | 6.410% | $0.00 | 1.1 | None | Yes | No | 8.750% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $120,503.68 | 75.310% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.51 | No | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225783931 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,851.00 | $7,835.82 | 7.162% | $2,642.57 | $2,642.57 | 6.990% | No | No | Non-Employment Income | US Citizen | $6,037.33 | 1 | [redacted] | $3,473.04 | [redacted] | $289.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,851.00 | 6.320% | $800.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $689,399.49 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/04/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784242 | [Redacted] | [Redacted] | N/A | No | No | $2,366.09 | $2,366.09 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,454.04 | [redacted] | $121.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $79,778.99 | 17.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784243 | [Redacted] | [Redacted] | N/A | No | No | $1,550.35 | $1,550.35 | 6.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $875.40 | [redacted] | $72.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $97,737.52 | 33.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784246 | [Redacted] | [Redacted] | N/A | No | No | $3,409.56 | $3,409.56 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,189.04 | [redacted] | $182.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784248 | [Redacted] | [Redacted] | N/A | No | No | $84,215.01 | $61,314.67 | 7.451% | $8,590.36 | $8,590.36 | 6.990% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $72,333.43 | 4 | [redacted] | $9,814.44 | [redacted] | $817.87 | 18.290% | 18.290% | 18.290% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $84,215.01 | 6.600% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Guarantor - Business Entity | Individual | Individual | Yes | Guarantor - Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 42.48 | No | $88,524.93 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784249 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,777.50 | $17,800.88 | 6.754% | $4,203.25 | $4,203.25 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $14,233.80 | 1 | [redacted] | $1,875.00 | [redacted] | $156.25 | 34.043% | 34.043% | 34.043% | [Redacted] | 770 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $13,777.50 | 6.420% | $0.00 | 2.5 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $17,148.95 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | No | 5.29 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784253 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,097.90 | 7.239% | $11,036.40 | $11,850.13 | 7.590% | No | No | Non-Employment Income | US Citizen | $41,356.56 | 1 | [redacted] | $11,978.40 | [redacted] | $998.20 | 28.386% | 26.977% | 28.386% | [Redacted] | 795 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.110% | $0.00 | 5.0 | None | Yes | No | 7.590% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $4,945,832.44 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 330.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784256 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,400.00 | $4,827.20 | 7.018% | $5,790.60 | $5,790.60 | 6.990% | No | No | Employed | US Citizen | $8,433.08 | 1 | [redacted] | $3,504.60 | [redacted] | $292.05 | 47.017% | 47.017% | 47.017% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,400.00 | 6.510% | $0.00 | 5.0 | DU | ApproveEligible | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $130,290.54 | 12.710% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/17/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784260 | [Redacted] | [Redacted] | N/A | No | No | $900.47 | $900.47 | 7.250% | No | No | Foreign National | 1 | [redacted] | $702.72 | [redacted] | $58.56 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $49,886.31 | 28.340% | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 10.74 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806610 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,504.20 | $2,904.40 | 7.828% | $2,034.61 | $2,034.61 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $3,517.91 | 1 | [redacted] | $1,401.00 | [redacted] | $116.75 | 47.163% | 47.163% | 47.163% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,504.20 | 6.520% | $12,000.00 | 1.7 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $130,254.69 | 36.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 32.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806631 | [Redacted] | [Redacted] | N/A | No | No | $19,792.40 | $7,399.88 | 7.211% | $1,961.99 | $1,961.99 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | N/A | $76,813.48 | 1 | [redacted] | $1,567.92 | [redacted] | $130.66 | 4.324% | 4.324% | 4.324% | [Redacted] | 701 | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,792.40 | 6.510% | $9,362.00 | 2.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $105,618.76 | 28.620% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.47 | No | $80,285.06 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806661 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,585.00 | $21,211.54 | 7.335% | $20,387.50 | $28,390.12 | 7.591% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $49,046.79 | 1 | [redacted] | $6,925.08 | [redacted] | $577.09 | 41.254% | 31.669% | 41.254% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,585.00 | 6.130% | $0.00 | 1.5 | None | No | No | 7.591% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,311,162.98 | 66.220% | No | 29 | 29 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 70.73 | Yes | No | $0.00 | $29,954.72 | No | No | No | No | 2 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806702 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,452.54 | $8,082.52 | 7.384% | $3,489.67 | $3,489.67 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $10,236.75 | 1 | [redacted] | $3,167.28 | [redacted] | $263.94 | 40.312% | 40.312% | 40.312% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,452.54 | 6.600% | $5,000.00 | 2.6 | None | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $455,763.31 | 70.110% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 107.73 | Yes | No | $0.00 | $8,421.42 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806808 | [Redacted] | [Redacted] | N/A | No | No | $1,900.44 | $1,900.44 | 6.625% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $753.48 | [redacted] | $62.79 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $283,935.58 | 66.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 60.36 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806906 | [Redacted] | [Redacted] | N/A | No | No | $19,145.00 | $22,407.94 | 8.373% | $4,222.47 | $4,222.47 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $51,669.13 | 1 | [redacted] | $1,437.00 | [redacted] | $119.75 | 28.615% | 28.615% | 28.615% | [Redacted] | 699 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,145.00 | 6.510% | $169,214.91 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 1.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 6.7 | No | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225809131 | [Redacted] | [Redacted] | N/A | No | No | $3,306.32 | $3,306.32 | 7.875% | No | No | US Citizen | 1 | [redacted] | $4,940.04 | [redacted] | $411.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 662 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.8 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $592,850.49 | 97.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 119.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225809613 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,319.59 | $10,062.94 | 9.310% | $2,589.77 | $2,589.77 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $25,908.28 | 1 | [redacted] | $533.88 | [redacted] | $44.49 | 11.448% | 11.448% | 11.448% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,319.59 | 6.320% | $8,000.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $31,159.74 | 8.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.51 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225809614 | [Redacted] | [Redacted] | N/A | No | No | $2,900.84 | $2,900.84 | 7.375% | No | No | US Citizen | US Citizen | 1 | [redacted] | $2,520.00 | [redacted] | $210.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | A | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225809684 | [Redacted] | [Redacted] | N/A | No | No | $4,358.75 | $6,230.69 | 7.859% | $880.61 | $880.61 | 7.375% | No | No | Not Employed | Employed | Non-Permanent Resident Alien | Montenegro | $1,551.67 | 2 | [redacted] | $957.96 | [redacted] | $79.83 | 48.151% | 48.151% | 48.151% | [Redacted] | 791 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,358.75 | 6.600% | $0.00 | None | No | No | 7.375% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $3,000.00 | 1.760% | No | 12 | Yes | Final | Fee Simple | LLC | Guarantor - Business Entity | Individual | Individual | Yes | Guarantor - Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 178.42 | No | $0.00 | $2,867.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811283 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,373.92 | $6,708.80 | 7.202% | $1,888.05 | $1,888.05 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $3,606.91 | 1 | [redacted] | $1,768.80 | [redacted] | $147.40 | 47.722% | 47.722% | 47.722% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,373.92 | 6.420% | $0.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 3 | 0.00 | No | No | [redacted] | $363,100.46 | 70.300% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | Employment Authorization | 44.17 | No | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811547 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,171.25 | 7.057% | $2,871.21 | $2,871.21 | 6.990% | No | No | Employed | US Citizen | $4,874.54 | 1 | [redacted] | $3,273.00 | [redacted] | $272.75 | 45.423% | 45.423% | 45.423% | [Redacted] | 786 | No | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $10,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $43,483.10 | 8.050% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811553 | [Redacted] | [Redacted] | N/A | No | No | $1,990.00 | $1,014.00 | 6.987% | $4,735.50 | $4,735.50 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $32,812.79 | 1 | [redacted] | $1,549.68 | [redacted] | $129.14 | 36.927% | 36.927% | 36.927% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $441,548.15 | 46.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.65 | No | No | $0.00 | $24,750.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811668 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,579.85 | $8,940.00 | 6.901% | $2,586.94 | $3,496.91 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $14,295.35 | 1 | [redacted] | $1,893.00 | [redacted] | $157.75 | 27.908% | 23.319% | 27.908% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,579.85 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,489,882.74 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 251.2 | Yes | No | $16,006.25 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811756 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,454.00 | $13,463.40 | 7.235% | $3,317.84 | $3,317.84 | 6.990% | No | No | Non-Employment Income | US Citizen | $4,702.71 | 1 | [redacted] | $5,519.40 | [redacted] | $459.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 1 | 0 | 0 | [Redacted] | $8,454.00 | 6.510% | $2,000.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,691,396.65 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 278.9 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AH | 06/18/2017 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811763 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,850.00 | $23,838.00 | 7.376% | $5,901.77 | $5,901.77 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $224,373.95 | 1 | [redacted] | $3,792.00 | [redacted] | $316.00 | 8.177% | 8.177% | 8.177% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,850.00 | 6.600% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $255,671.26 | 23.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 10.66 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813122 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,895.63 | $26,094.05 | 7.361% | $16,997.94 | $18,039.71 | 7.590% | No | No | Employed | Employed | US Citizen | US Citizen | $30,624.92 | 1 | [redacted] | $2,760.96 | [redacted] | $230.08 | 40.452% | 38.426% | 40.452% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,895.63 | 6.110% | $17,050.00 | 1.0 | None | Yes | No | 7.590% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,870,248.03 | 54.840% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.32 | Yes | No | $0.00 | $11,208.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813130 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $3,170.63 | 6.950% | $2,069.33 | $2,069.33 | 6.875% | No | No | Self-Employed | US Citizen | $21,262.28 | 1 | [redacted] | $3,093.00 | [redacted] | $257.75 | 31.650% | 31.650% | 31.650% | [Redacted] | 778 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.420% | $0.00 | 2.6 | None | Yes | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 4.83 | No | [redacted] | $10,024.23 | 2.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.91 | No | No | $0.00 | $0.00 | No | No | No | No | 16 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813132 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,626.70 | $10,025.90 | 7.353% | $1,738.67 | $1,738.67 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Afghanistan | $6,191.77 | 1 | [redacted] | $1,590.96 | [redacted] | $132.58 | 27.865% | 27.865% | 27.865% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,626.70 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $14,426.47 | 4.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 4.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813133 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,368.75 | $23,037.05 | 7.700% | $5,070.31 | $7,316.26 | 7.843% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,392.65 | 1 | [redacted] | $4,646.04 | [redacted] | $387.17 | 44.121% | 40.645% | 44.121% | [Redacted] | 721 | No | Yes | 12 | Business | 38.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,368.75 | 6.220% | $3,775.00 | 1.3 | None | Yes | No | 7.843% | 2 | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [redacted] | $1,332,246.62 | 78.360% | No | 27 | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.89 | Yes | No | $0.00 | $8,435.67 | No | No | No | No | 2 | 240 | AE | 09/26/2026 | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813135 | [Redacted] | [Redacted] | N/A | No | No | $34,508.00 | $13,101.42 | 7.515% | $2,677.50 | $3,861.74 | 7.593% | No | No | Employed | US Citizen | $5,225.50 | 1 | [redacted] | $576.24 | [redacted] | $48.02 | 46.463% | 42.458% | 46.463% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $34,508.00 | 6.220% | $0.00 | 2.8 | None | Yes | No | 7.593% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | 240 | [redacted] | $28,635.00 | No | 23 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813136 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,803.31 | $5,543.90 | 7.371% | $2,604.21 | $2,604.21 | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,742.10 | 1 | [redacted] | $1,385.40 | [redacted] | $115.45 | 46.429% | 46.429% | 46.429% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,803.31 | 6.600% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $297,177.94 | 58.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.1 | Yes | No | $3,915.94 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813965 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $676.27 | 9.299% | $730.54 | $730.54 | 9.250% | No | No | Employed | US Citizen | $13,511.40 | 1 | [redacted] | $320.04 | [redacted] | $26.67 | 36.105% | 36.105% | 36.105% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.510% | $5,580.00 | 1.0 | None | No | No | 9.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $110,430.33 | 99.480% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.92 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814101 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,602.50 | $19,033.52 | 9.505% | $10,604.80 | $10,604.80 | 9.375% | No | No | Self-Employed | Permanent Resident Alien | $189,702.62 | 1 | [redacted] | $4,869.00 | [redacted] | $405.75 | 9.939% | 10.767% | 9.939% | [Redacted] | 677 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,602.50 | 6.220% | $5,000.00 | 2.7 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $295,941.17 | 19.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 11.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814106 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,915.13 | $9,660.41 | 8.519% | $4,457.82 | $4,457.82 | 8.375% | No | No | Self-Employed | US Citizen | $11,138.97 | 1 | [redacted] | $2,081.04 | [redacted] | $173.42 | 33.930% | 33.930% | 33.930% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,915.13 | 6.600% | $0.00 | 1.2 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $140,872.85 | 20.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814549 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,765.00 | $15,170.96 | 7.231% | $3,911.98 | $3,911.98 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,005.12 | 1 | [redacted] | $2,000.04 | [redacted] | $166.67 | 39.890% | 39.890% | 39.890% | [Redacted] | 772 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $11,765.00 | 6.420% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $63,477.96 | 8.630% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814597 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,550.00 | $100.06 | 6.726% | $5,603.89 | $5,603.89 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,441.37 | 1 | [redacted] | $1,541.04 | [redacted] | $128.42 | 46.097% | 46.097% | 46.097% | [Redacted] | 779 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,550.00 | 6.510% | $28,000.00 | 1.0 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $602,621.07 | 55.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.15 | Yes | No | $1,973.29 | $7,064.59 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814608 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,387.00 | $29,184.83 | 7.322% | $3,206.67 | $3,206.67 | 6.750% | No | No | Self-Employed | US Citizen | $11,758.36 | 1 | [redacted] | $2,136.00 | [redacted] | $178.00 | 33.659% | 33.659% | 33.659% | [Redacted] | 677 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $22,387.00 | 6.320% | $3,800.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $484,990.50 | 78.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 90.12 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225815065 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,798.61 | 9.534% | $5,864.96 | $5,864.96 | 9.500% | No | No | Self-Employed | US Citizen | $29,596.83 | 1 | [redacted] | $2,930.04 | [redacted] | $244.17 | 35.037% | 35.037% | 35.037% | [Redacted] | 706 | No | Yes | 24 | Business | 100.000% | 65.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.600% | $8,918.60 | 1.0 | None | Yes | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $37,548.61 | 4.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.22 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225817998 | [Redacted] | [Redacted] | N/A | No | No | $1,652.23 | $1,652.23 | 7.250% | No | No | US Citizen | 1 | [redacted] | $993.96 | [redacted] | $82.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225820171 | [Redacted] | [Redacted] | N/A | No | No | $11,928.13 | $13,745.29 | 8.601% | $2,208.93 | $2,208.93 | 8.125% | No | No | Self-Employed | US Citizen | $13,211.81 | 1 | [redacted] | $2,376.96 | [redacted] | $198.08 | 35.052% | 35.052% | 35.052% | [Redacted] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,928.13 | 6.410% | $19,198.81 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $61,822.61 | 17.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225826755 | [Redacted] | [Redacted] | N/A | No | No | $4,002.16 | $4,002.16 | 6.250% | No | No | US Citizen | 1 | [redacted] | $2,236.56 | [redacted] | $186.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $981,277.10 | 62.100% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225826868 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,254.50 | $7,095.11 | 7.493% | $3,660.58 | $3,660.58 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,753.35 | 1 | [redacted] | $2,673.00 | [redacted] | $222.75 | 48.461% | 48.461% | 48.461% | [Redacted] | 720 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,254.50 | 6.420% | $0.00 | 1.4 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $7,398.48 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.94 | No | $4,115.41 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225826885 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,089.91 | 6.901% | $6,569.28 | $6,569.28 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $108,803.60 | 1 | [redacted] | $1,466.04 | [redacted] | $122.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.510% | $0.00 | 2.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $6,292,318.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 862.14 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830100 | [Redacted] | [Redacted] | N/A | No | No | $1,993.89 | $1,993.89 | 6.990% | No | No | Permanent Resident Alien | US Citizen | 1 | [redacted] | $3,872.04 | [redacted] | $322.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830103 | [Redacted] | [Redacted] | N/A | No | No | $12,221.25 | $7,568.60 | 7.543% | $897.25 | $897.25 | 6.990% | No | No | Self-Employed | US Citizen | $19,006.08 | 1 | [redacted] | $254.04 | [redacted] | $21.17 | 3.320% | 3.320% | 3.320% | [Redacted] | 715 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,221.25 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $113,883.38 | 63.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830107 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $7,377.49 | 7.998% | $19,352.98 | $19,352.98 | 7.990% | No | No | Employed | US Citizen | $38,220.49 | 1 | [redacted] | $8,944.68 | [redacted] | $745.39 | 42.453% | 42.453% | 42.453% | [Redacted] | 738 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,690.00 | 6.090% | $0.00 | 3.8 | None | No | No | 7.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,247,086.32 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.98 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 02/14/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830108 | [Redacted] | [Redacted] | N/A | No | No | $1,068.82 | $1,068.82 | 6.875% | No | No | US Citizen | 1 | [redacted] | $676.92 | [redacted] | $56.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830216 | [Redacted] | [Redacted] | N/A | No | No | $4,127.81 | $4,127.81 | 7.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $6,606.48 | [redacted] | $550.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 707 | No | No | DSCR | 2 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.16 | 240 | [redacted] | $1,871,748.38 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 301.94 | No | $0.00 | $0.00 | 2 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830218 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,865.16 | $8,974.15 | 7.277% | $3,400.93 | $3,400.93 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $11,474.35 | 1 | [redacted] | $1,934.04 | [redacted] | $161.17 | 31.889% | 31.889% | 31.889% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,865.16 | 6.520% | $0.00 | 1.6 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.18 | No | $0.00 | $9,363.75 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830221 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,235.00 | $15,009.75 | 8.264% | $3,995.22 | $3,995.22 | 7.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,880.08 | 1 | [redacted] | $7,044.00 | [redacted] | $587.00 | 48.592% | 48.592% | 48.592% | [Redacted] | 642 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Capital Gains]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $13,235.00 | 6.260% | $0.00 | 2.2 | None | No | No | 7.990% | 0 | 0 | 2 | 0 | 3 | 1 | 17.10 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.42 | No | $9,422.70 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830222 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,337.38 | $9,870.07 | 9.426% | $1,981.62 | $1,981.62 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $5,585.93 | 1 | [redacted] | $1,365.72 | [redacted] | $113.81 | 32.418% | 32.418% | 32.418% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,337.38 | 6.600% | $7,000.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $24,533.08 | 8.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 5.63 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830223 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,495.00 | $8,773.09 | 6.791% | $8,561.49 | $8,561.49 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $20,708.18 | 1 | [redacted] | $3,663.96 | [redacted] | $305.33 | 34.970% | 34.970% | 34.970% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,495.00 | 6.520% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $836,515.26 | 50.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830230 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,597.74 | 7.161% | $7,006.67 | $7,006.67 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $16,503.73 | 1 | [redacted] | $1,365.48 | [redacted] | $113.79 | 46.976% | 46.976% | 46.976% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.520% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 0 | 2 | 0 | 2 | 3 | 0.00 | No | [redacted] | $303,079.29 | 23.310% | No | 21 | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.37 | No | No | $0.00 | $11,666.68 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830231 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,131.42 | $6,246.37 | 6.913% | $6,503.16 | $6,503.16 | 6.875% | No | No | Self-Employed | US Citizen | $75,026.75 | 1 | [redacted] | $3,965.04 | [redacted] | $330.42 | 18.194% | 18.194% | 18.194% | [Redacted] | 768 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,131.42 | 6.410% | $0.00 | 2.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $5,000.00 | 0.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.57 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830232 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,495.00 | $10,290.60 | 6.987% | $1,264.14 | $1,264.14 | 6.500% | No | No | Employed | Non-Permanent Resident Alien | Viet Nam | $5,593.48 | 1 | [redacted] | $378.00 | [redacted] | $31.50 | 46.303% | 46.303% | 46.303% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,495.00 | 6.600% | $0.00 | 2.8 | None | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,152,855.71 | 94.110% | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 65.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830337 | [Redacted] | [Redacted] | N/A | No | No | $1,432.57 | $1,432.57 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,299.00 | [redacted] | $108.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | $7,107.40 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830440 | [Redacted] | [Redacted] | N/A | No | No | $12,279.17 | $12,279.17 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $5,024.28 | [redacted] | $418.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $725,813.68 | 30.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830442 | [Redacted] | [Redacted] | N/A | No | No | $1,940.32 | $1,940.32 | 7.500% | No | No | US Citizen | 2 | [redacted] | $765.96 | [redacted] | $63.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 693 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $135,049.21 | 36.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830500 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,551.15 | $22,033.19 | 7.194% | $6,429.71 | $6,429.71 | 6.990% | No | No | Self-Employed | US Citizen | $19,901.69 | 1 | [redacted] | $1,785.00 | [redacted] | $148.75 | 39.976% | 39.976% | 39.976% | [Redacted] | 769 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,551.15 | 6.600% | $1,500.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $91,149.54 | 8.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830505 | [Redacted] | [Redacted] | N/A | No | No | $233,215.00 | $91,029.79 | 7.281% | $19,872.47 | $19,872.47 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $69,489.60 | 1 | [redacted] | $4,602.96 | [redacted] | $383.58 | 42.422% | 42.422% | 42.422% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 58.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 58.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $233,215.00 | 6.570% | $0.00 | 4.3 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.36 | No | No | $120,687.96 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830608 | [Redacted] | [Redacted] | N/A | No | No | $21,706.00 | $5,722.63 | 7.267% | $1,980.75 | $1,980.75 | 7.125% | No | No | Not Employed | Self-Employed | Not Employed | 0 | $624,635.96 | 1 | [redacted] | $2,648.04 | [redacted] | $220.67 | 0.827% | 0.827% | 0.927% | [Redacted] | 768 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,706.00 | 6.420% | $6,000.00 | 5.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $37,586.31 | 9.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.39 | No | No | $629,844.26 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830609 | [Redacted] | [Redacted] | N/A | No | No | $615.78 | $615.78 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,952.04 | [redacted] | $162.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830655 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,390.00 | $3,867.52 | 6.799% | $3,294.88 | $3,294.88 | 6.750% | No | No | Employed | US Citizen | $14,106.13 | 1 | [redacted] | $1,449.96 | [redacted] | $120.83 | 25.742% | 25.742% | 25.742% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.510% | $0.00 | 5.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $703,240.91 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830664 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,208.00 | $5,658.24 | 7.201% | $4,090.82 | $4,090.82 | 7.125% | No | No | Non-Employment Income | US Citizen | $22,535.83 | 1 | [redacted] | $505.68 | [redacted] | $42.14 | 25.537% | 25.537% | 25.537% | [Redacted] | 808 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $3,208.00 | 6.600% | $0.00 | 1.7 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,479,989.40 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 396.01 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830683 | [Redacted] | [Redacted] | N/A | No | No | $1,482.19 | $1,482.19 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,980.00 | [redacted] | $165.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $72,713.65 | 26.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830923 | [Redacted] | [Redacted] | N/A | No | No | $1,423.87 | $1,423.87 | 7.750% | No | No | US Citizen | 1 | [redacted] | $2,702.04 | [redacted] | $225.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.07 | [redacted] | $122,140.24 | 46.090% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830937 | [Redacted] | [Redacted] | N/A | No | No | $24,722.00 | $8,424.94 | 7.594% | $2,436.70 | $2,436.70 | 7.375% | No | No | Self-Employed | US Citizen | $594,640.81 | 1 | [redacted] | $690.96 | [redacted] | $57.58 | 7.159% | 7.159% | 7.159% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $24,722.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $214,692.39 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 465.64 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830941 | [Redacted] | [Redacted] | N/A | No | No | $1,071.70 | $1,071.70 | 8.375% | No | No | US Citizen | 1 | [redacted] | $1,916.88 | [redacted] | $159.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 631 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831045 | [Redacted] | [Redacted] | N/A | No | No | $4,332.41 | $4,332.41 | 8.375% | No | No | US Citizen | US Citizen | 1 | [redacted] | $3,307.32 | [redacted] | $275.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.6 | 1.65 | [redacted] | $294,431.20 | 38.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831054 | [Redacted] | [Redacted] | N/A | No | No | $2,964.36 | $2,964.36 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $4,772.16 | [redacted] | $397.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $149,805.04 | 27.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831151 | [Redacted] | [Redacted] | N/A | No | No | $2,983.00 | $5,303.24 | 7.049% | $5,295.81 | $5,295.81 | 7.000% | No | No | Not Employed | Employed | US Citizen | $24,713.93 | 3 | [redacted] | $4,444.44 | [redacted] | $370.37 | 33.684% | 33.684% | 33.684% | [Redacted] | 777 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,983.00 | 6.260% | $0.00 | None | No | No | 7.000% | 0 | 3 | 1 | 0 | 3 | 2 | 0.00 | No | [redacted] | $733,171.94 | 73.680% | No | 27 | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.17 | No | No | $0.00 | $37,266.67 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831167 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,407.63 | $13,103.35 | 7.646% | $3,111.49 | $3,111.49 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $86,404.22 | 1 | [redacted] | $1,265.04 | [redacted] | $105.42 | 8.330% | 8.330% | 8.330% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,407.63 | 6.520% | $0.00 | 1.4 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $202,174.22 | 38.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 25.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831313 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,864.00 | $18,994.45 | 7.473% | $3,584.18 | $3,584.18 | 7.125% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Brazil | Brazil | $6,213.33 | 1 | [redacted] | $2,091.96 | [redacted] | $174.33 | 44.926% | 44.926% | 44.926% | [Redacted] | 766 | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 23.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 23.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 23.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 23.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 23.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,864.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $33,419.23 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | No | 7.7 | No | $5,640.91 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831648 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $5,224.03 | 7.355% | $11,299.18 | $12,455.75 | 7.862% | No | No | Non-Employment Income | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $20,144.17 | 1 | [redacted] | $1,504.32 | [redacted] | $125.36 | 44.516% | 41.330% | 44.516% | [Redacted] | 809 | Yes | Yes | 12 | Business | 35.000% | 100.000% | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.080% | $0.00 | 1.0 | None | Yes | No | 7.862% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $2,860,269.25 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 176.37 | No | No | $13,019.54 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832689 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,315.00 | $7,207.89 | 7.654% | $3,072.92 | $4,132.45 | 7.840% | No | No | Non-Employment Income | US Citizen | $2,916.80 | 1 | [redacted] | $1,947.00 | [redacted] | $162.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,315.00 | 6.180% | $0.00 | 2.6 | None | No | No | 7.840% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,120,083.23 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 178.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832690 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,697.50 | $4,945.67 | 7.189% | $713.46 | $713.46 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $24,273.16 | 1 | [redacted] | $3,571.80 | [redacted] | $297.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,697.50 | 6.600% | $1,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,770,236.11 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 852 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832692 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $8,762.63 | 6.403% | $3,077.05 | $3,077.05 | 6.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,595.80 | 1 | [redacted] | $2,093.76 | [redacted] | $174.48 | 36.425% | 36.425% | 36.425% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.410% | $749.63 | 1.0 | DU | ApproveEligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $7,198,433.82 | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 894.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832693 | [Redacted] | [Redacted] | N/A | No | No | $4,297.71 | $4,297.71 | 7.250% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,728.12 | [redacted] | $144.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.4 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $297,413.11 | 35.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.76 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832695 | [Redacted] | [Redacted] | N/A | No | No | $2,680.22 | $2,680.22 | 6.875% | No | No | US Citizen | 1 | [redacted] | $693.00 | [redacted] | $57.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.09 | 0.47 | [redacted] | $389,859.97 | 76.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.06 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832705 | [Redacted] | [Redacted] | N/A | No | No | $3,152.06 | $3,152.06 | 7.500% | No | No | US Citizen | 2 | [redacted] | $3,606.84 | [redacted] | $300.57 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $427,388.04 | 75.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832733 | [Redacted] | [Redacted] | N/A | No | No | $39,243.00 | $10,167.36 | 7.370% | $3,781.25 | $5,353.16 | 7.590% | No | No | Employed | Employed | US Citizen | US Citizen | $10,210.20 | 1 | [redacted] | $906.00 | [redacted] | $75.50 | 48.043% | 40.044% | 48.043% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $39,243.00 | 6.690% | $5,830.00 | None | Yes | No | 7.590% | 2 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | [redacted] | $332,253.14 | 37.750% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.28 | No | No | $0.00 | $9,589.29 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832905 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,485.00 | $12,656.15 | 7.167% | $2,717.06 | $2,717.06 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,816.10 | 1 | [redacted] | $1,056.00 | [redacted] | $88.00 | 40.221% | 40.221% | 40.221% | [Redacted] | 802 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,485.00 | 6.600% | $85,510.00 | 1.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $75,919.20 | 14.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 9.26 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832923 | [Redacted] | [Redacted] | N/A | No | No | $1,024.68 | $1,024.68 | 8.750% | No | No | US Citizen | 1 | [redacted] | $3,583.68 | [redacted] | $298.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 660 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833017 | [Redacted] | [Redacted] | N/A | No | No | $835.31 | $835.31 | 8.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $639.00 | [redacted] | $53.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 707 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | Yes | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.18 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833119 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,122.81 | $9,552.18 | 7.039% | $3,522.78 | $3,522.78 | 6.875% | No | No | Employed | US Citizen | $5,660.28 | 1 | [redacted] | $6,585.00 | [redacted] | $548.75 | 49.430% | 49.430% | 49.430% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,122.81 | 6.420% | $0.00 | 1.5 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $95,419.48 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833133 | [Redacted] | [Redacted] | N/A | No | No | $1,653.10 | $1,653.10 | 9.375% | No | No | US Citizen | 1 | [redacted] | $2,105.04 | [redacted] | $175.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.11 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833151 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,800.09 | 7.783% | $4,985.83 | $6,337.72 | 7.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,232.16 | 1 | [redacted] | $2,521.20 | [redacted] | $210.10 | 36.770% | 31.158% | 36.770% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.110% | $0.00 | 1.0 | None | Yes | No | 7.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $980,935.48 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 120.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833367 | [Redacted] | [Redacted] | N/A | No | No | $1,928.53 | $1,928.53 | 6.500% | No | No | 0 | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $1,316.04 | [redacted] | $109.67 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $67,871.65 | 16.680% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 16.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833385 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,190.00 | $8,905.41 | 8.409% | $3,996.74 | $3,996.74 | 8.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $36,762.39 | 1 | [redacted] | $2,935.20 | [redacted] | $244.60 | 14.246% | 14.246% | 14.246% | [Redacted] | 691 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,190.00 | 6.420% | $26,200.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,000.00 | 1.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.57 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833432 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,123.50 | $7,778.11 | 8.904% | $3,816.28 | $3,816.28 | 8.750% | No | No | Self-Employed | US Citizen | $13,635.90 | 1 | [redacted] | $1,335.36 | [redacted] | $111.28 | 36.652% | 36.652% | 36.652% | [Redacted] | 701 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $18,123.50 | 6.130% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $133,123.01 | 24.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833689 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,121.25 | $14,530.84 | 7.252% | $6,405.06 | $6,877.31 | 7.590% | No | No | Non-Employment Income | US Citizen | $12,359.40 | 1 | [redacted] | $6,718.08 | [redacted] | $559.84 | 42.731% | 40.543% | 42.731% | [Redacted] | 796 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Primary Income - Note Receivable]; Note - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,121.25 | 6.120% | $0.00 | 3.6 | None | Yes | No | 7.590% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $857,553.36 | 57.170% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.47 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/22/2027 | $659,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225836830 | [Redacted] | [Redacted] | N/A | No | No | $1,561.01 | $1,561.01 | 7.125% | No | No | 0 | US Citizen | 1 | [redacted] | $2,085.96 | [redacted] | $173.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $391,797.50 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 206.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225836894 | [Redacted] | [Redacted] | N/A | No | No | $79,196.25 | $26,105.87 | 8.209% | $8,521.91 | $8,521.91 | 7.990% | No | No | Employed | US Citizen | $123,716.28 | 3 | [redacted] | $6,130.20 | [redacted] | $510.85 | 18.249% | 18.249% | 18.249% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $79,196.25 | 6.510% | $0.00 | None | No | No | 7.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $895,073.13 | 57.740% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.82 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225837793 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,134.00 | $12,565.00 | 6.876% | $5,707.66 | $5,707.66 | 6.750% | No | No | Self-Employed | US Citizen | $27,285.40 | 1 | [redacted] | $6,578.16 | [redacted] | $548.18 | 40.485% | 40.485% | 40.485% | [Redacted] | 761 | No | Yes | 24 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,134.00 | 6.520% | $0.00 | 2.7 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $313,932.49 | 28.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225837804 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,426.88 | $6,225.67 | 7.630% | $1,478.80 | $1,569.44 | 7.590% | No | No | Non-Employment Income | US Citizen | $3,947.41 | 3 | [redacted] | $8,079.00 | [redacted] | $673.25 | 45.868% | 48.427% | 45.868% | [Redacted] | 702 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,426.88 | 6.200% | $0.00 | None | No | No | 7.590% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | Other | [redacted] | $181,284.32 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 78.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225837968 | [Redacted] | [Redacted] | N/A | No | No | $1,076.68 | $1,076.68 | 6.750% | No | No | US Citizen | 1 | [redacted] | $1,451.04 | [redacted] | $120.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.03 | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838347 | [Redacted] | [Redacted] | N/A | No | No | $1,013.95 | $1,013.95 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [redacted] | $816.96 | [redacted] | $68.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | 781 | 763 | 792 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.1 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838393 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,317.32 | 7.455% | $4,409.49 | $4,626.69 | 7.612% | No | No | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $13,997.71 | 1 | [redacted] | $1,108.44 | [redacted] | $92.37 | 34.898% | 37.704% | 34.898% | [Redacted] | 748 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 7.612% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | VISA | No | 30.92 | No | $0.00 | $10,533.34 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838399 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,433.82 | 7.051% | $2,907.76 | $2,907.76 | 6.990% | No | No | Self-Employed | US Citizen | $8,854.90 | 1 | [redacted] | $1,710.00 | [redacted] | $142.50 | 40.391% | 40.391% | 40.391% | [Redacted] | 771 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - 2026 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 13.00 | No | [redacted] | $173,175.48 | 27.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.32 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838432 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,584.50 | $5,287.53 | 7.116% | $2,512.31 | $2,512.31 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $6,519.93 | 1 | [redacted] | $3,200.64 | [redacted] | $266.72 | 46.008% | 46.008% | 46.008% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employment Contract - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,584.50 | 6.510% | $0.00 | 1.6 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $362,747.95 | 69.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.93 | No | No | $7,851.50 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838435 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,543.11 | $4,386.51 | 6.953% | $3,074.76 | $3,074.76 | 6.875% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $8,882.95 | 1 | [redacted] | $3,486.96 | [redacted] | $290.58 | 34.349% | 34.349% | 34.349% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $2,543.11 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $262,839.00 | 40.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.67 | Yes | No | $11,416.54 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838556 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,329.38 | $4,092.60 | 7.608% | $2,347.61 | $2,347.61 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,827.25 | 1 | [redacted] | $1,737.00 | [redacted] | $144.75 | 33.485% | 33.485% | 33.485% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,329.38 | 6.600% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $93,300.80 | 23.620% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.27 | No | $5,883.80 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838560 | [Redacted] | [Redacted] | N/A | No | No | $1,454.37 | $1,454.37 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,074.00 | [redacted] | $89.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $78,750.00 | 30.280% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838654 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,670.00 | $4,989.54 | 7.053% | $4,094.13 | $4,094.13 | 6.990% | No | No | Employed | US Citizen | $9,906.38 | 1 | [redacted] | $4,785.96 | [redacted] | $398.83 | 39.234% | 39.234% | 39.234% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,670.00 | 6.490% | $35,141.68 | 3.9 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $720,570.69 | 93.580% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838792 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,855.00 | $10,165.60 | 7.761% | $3,025.00 | $3,936.97 | 7.628% | No | No | Not Employed | Not Employed | Non-Employment Income | 0 | US Citizen | US Citizen | $31,437.60 | 1 | [redacted] | $3,275.16 | [redacted] | $272.93 | 39.250% | 39.046% | 39.250% | 716 | 691 | 732 | 678 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Alimony]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Alimony]; Separation Agreement - 2011 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1040 - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,855.00 | 6.220% | $5,300.00 | 1.5 | None | No | No | 7.628% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | 240 | [redacted] | $1,221,581.61 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 194.09 | Yes | No | $13,500.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839137 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,414.39 | 6.934% | $2,660.56 | $2,660.56 | 6.875% | No | No | Employed | US Citizen | $7,872.37 | 1 | [redacted] | $2,474.04 | [redacted] | $206.17 | 31.626% | 31.626% | 31.626% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $308,025.45 | 45.630% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.05 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 09/06/2026 | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839141 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,905.00 | $17,606.95 | 7.494% | $5,070.31 | $7,187.00 | 7.606% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,686.47 | 1 | [redacted] | $4,955.04 | [redacted] | $412.92 | 49.922% | 46.223% | 49.922% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $6,905.00 | 6.230% | $0.00 | 1.0 | None | Yes | No | 7.606% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 131.09 | No | $1,899.30 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839142 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $700.00 | 7.529% | $1,150.21 | $1,150.21 | 7.500% | No | No | Self-Employed | US Citizen | $16,194.84 | 1 | [redacted] | $1,184.04 | [redacted] | $98.67 | 30.568% | 30.568% | 30.568% | [Redacted] | 643 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.260% | $8,798.24 | 1.0 | None | N/A | No | 7.500% | 1 | 0 | 0 | 3 | 0 | No | [redacted] | $130,569.20 | 55.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839143 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,234.00 | $4,851.12 | 8.395% | $909.00 | $909.00 | 7.990% | No | No | Self-Employed | US Citizen | $6,820.42 | 1 | [redacted] | $1,251.96 | [redacted] | $104.33 | 49.222% | 49.222% | 49.222% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,234.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,498.44 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.34 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839152 | [Redacted] | [Redacted] | N/A | No | No | $1,311.03 | $1,311.03 | 7.500% | No | No | US Citizen | 2 | [redacted] | $1,706.04 | [redacted] | $142.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.92 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839153 | [Redacted] | [Redacted] | N/A | No | No | $4,822.99 | $4,822.99 | 7.250% | No | No | US Citizen | 1 | [redacted] | $6,047.04 | [redacted] | $503.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839155 | [Redacted] | [Redacted] | N/A | No | No | $2,025.30 | $2,025.30 | 6.625% | No | No | Non-Permanent Resident Alien | 3 | [redacted] | $3,710.04 | [redacted] | $309.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [redacted] | $99,205.49 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840480 | [Redacted] | [Redacted] | N/A | No | No | $1,496.03 | $1,496.03 | 7.000% | No | No | US Citizen | 2 | [redacted] | $1,053.96 | [redacted] | $87.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $130,024.57 | 45.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840481 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,600.00 | $2,399.22 | 6.852% | $2,754.28 | $2,754.28 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $38,860.30 | 1 | [redacted] | $2,853.00 | [redacted] | $237.75 | 9.250% | 9.250% | 9.250% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,600.00 | 6.090% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $187,088.35 | 45.080% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.01 | No | No | $0.00 | $23,384.41 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840482 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,225.00 | $4,535.47 | 7.161% | $6,737.19 | $6,737.19 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $40,176.66 | 1 | [redacted] | $1,727.04 | [redacted] | $143.92 | 25.558% | 25.558% | 25.558% | [Redacted] | 748 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,225.00 | 6.510% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $237,202.60 | 18.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 15.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840483 | [Redacted] | [Redacted] | N/A | No | No | $912.09 | $912.09 | 8.375% | No | No | US Citizen | 1 | [redacted] | $1,094.04 | [redacted] | $91.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $65,988.29 | 43.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840591 | [Redacted] | [Redacted] | N/A | No | No | $2,586.33 | $2,586.33 | 6.875% | No | No | US Citizen | 1 | [redacted] | $2,076.48 | [redacted] | $173.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $346,587.70 | 54.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840703 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,090.00 | $6,016.90 | 7.732% | $3,538.97 | $3,538.97 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $25,567.92 | 1 | [redacted] | $4,231.80 | [redacted] | $352.65 | 27.789% | 27.789% | 27.789% | [Redacted] | 714 | No | Yes | 12 | Business | 67.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,090.00 | 6.600% | $1,500.00 | 3.4 | None | No | No | 7.625% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $168,334.28 | 26.930% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.88 | No | $0.00 | $11,666.66 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225841077 | [Redacted] | [Redacted] | N/A | No | No | $5,126.96 | $5,126.96 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,701.96 | [redacted] | $141.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.31 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225842350 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,638.13 | $6,580.85 | 7.290% | $2,475.92 | $2,475.92 | 7.125% | No | No | Self-Employed | US Citizen | $4,921.96 | 1 | [redacted] | $1,632.00 | [redacted] | $136.00 | 49.620% | 49.620% | 49.620% | [Redacted] | 759 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,638.13 | 6.510% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 2 | 0 | 3 | 2 | 17.00 | No | [redacted] | $125,982.70 | 25.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225842353 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,779.38 | 8.019% | $6,854.18 | $6,854.18 | 7.990% | No | No | Self-Employed | US Citizen | $86,383.02 | 1 | [redacted] | $5,867.04 | [redacted] | $488.92 | 10.660% | 10.660% | 10.660% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.410% | $0.00 | 1.3 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 11/22/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225842363 | [Redacted] | [Redacted] | N/A | No | No | $1,428.96 | $1,428.96 | 6.990% | No | No | US Citizen | US Citizen | 2 | [redacted] | $3,243.00 | [redacted] | $270.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 820 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [redacted] | $85,234.60 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225842379 | [Redacted] | [Redacted] | N/A | No | No | $1,100.01 | $1,100.01 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,644.00 | [redacted] | $137.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $237,627.54 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 119.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843130 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,489.30 | $2,150.54 | 6.536% | $2,528.02 | $2,528.02 | 6.500% | No | No | Self-Employed | US Citizen | $11,621.06 | 1 | [redacted] | $1,131.96 | [redacted] | $94.33 | 44.548% | 44.548% | 44.548% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,489.30 | 6.420% | $20,371.61 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $125,467.91 | 25.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.38 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843232 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,760.00 | $6,738.80 | 7.766% | $1,734.05 | $1,734.05 | 7.500% | No | No | Non-Employment Income | US Citizen | $16,573.90 | 1 | [redacted] | $3,984.96 | [redacted] | $332.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $4,760.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,161,686.95 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 450.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843264 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,020.33 | $11,291.29 | 7.247% | $5,468.91 | $5,468.91 | 7.125% | No | No | Self-Employed | US Citizen | $54,805.84 | 1 | [redacted] | $3,670.92 | [redacted] | $305.91 | 12.830% | 12.830% | 12.830% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,020.33 | 6.410% | $22,500.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $233,447.04 | 24.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843275 | [Redacted] | [Redacted] | N/A | No | No | $1,795.00 | $2,761.27 | 7.523% | $1,203.50 | $1,203.50 | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,234.62 | 1 | [redacted] | $984.00 | [redacted] | $82.00 | 30.866% | 30.866% | 30.866% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.600% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $69,816.06 | 34.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.59 | No | No | $7,048.77 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843632 | [Redacted] | [Redacted] | N/A | No | No | $2,036.31 | $2,036.31 | 7.125% | No | No | 0 | 0 | Foreign National | Foreign National | Foreign National | 1 | [redacted] | $2,538.12 | [redacted] | $211.51 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | [redacted] | $5,000.00 | 1.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 14.84 | No | $0.00 | $0.00 | No | Yes | Yes | Yes | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843781 | [Redacted] | [Redacted] | N/A | No | No | $2,184.16 | $2,184.16 | 7.750% | No | No | US Citizen | 2 | [redacted] | $2,795.04 | [redacted] | $232.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | [redacted] | $145,729.32 | 35.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843789 | [Redacted] | [Redacted] | N/A | No | No | $1,360.54 | $1,360.54 | 5.875% | No | No | US Citizen | 1 | [redacted] | $807.00 | [redacted] | $67.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $387,776.18 | 84.290% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844060 | [Redacted] | [Redacted] | N/A | No | No | $709.46 | $709.46 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,302.96 | [redacted] | $108.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $76,872.91 | 59.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.24 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844199 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,866.50 | $5,660.34 | 7.043% | $2,062.76 | $2,062.76 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $45,092.89 | 1 | [redacted] | $2,034.96 | [redacted] | $169.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,866.50 | 6.600% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,916,504.64 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 965.75 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844218 | [Redacted] | [Redacted] | N/A | No | No | $1,624.16 | $1,624.16 | 7.875% | No | No | US Citizen | 1 | [redacted] | $630.96 | [redacted] | $52.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 676 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $279,235.03 | 87.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844223 | [Redacted] | [Redacted] | Non QM | Yes | No | $47,870.00 | $15,318.74 | 6.591% | $9,101.78 | $9,101.78 | 6.500% | No | No | Non-Employment Income | US Citizen | $72,433.53 | 1 | [redacted] | $2,591.04 | [redacted] | $215.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $47,870.00 | 6.510% | $60,000.00 | 5.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $4,312,174.47 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 439.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844245 | [Redacted] | [Redacted] | N/A | No | No | $3,169.17 | $3,169.17 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,074.12 | [redacted] | $89.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | [redacted] | $425,340.85 | 63.290% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844455 | [Redacted] | [Redacted] | N/A | No | No | $1,486.37 | $1,486.37 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,385.04 | [redacted] | $115.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $0.00 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844547 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,691.80 | $14,125.46 | 7.193% | $4,354.66 | $4,354.66 | 6.990% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $12,819.21 | 1 | [redacted] | $1,548.00 | [redacted] | $129.00 | 29.588% | 29.588% | 29.588% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,691.80 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $286,564.47 | 34.980% | No | 29 | 9 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 17.41 | Yes | No | $0.00 | $6,250.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844548 | [Redacted] | [Redacted] | N/A | No | No | $4,859.71 | $4,859.71 | 8.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,441.04 | [redacted] | $203.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | 776 | 764 | 743 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 4.3 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.49 | 2.03 | [redacted] | $291,730.00 | 34.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844550 | [Redacted] | [Redacted] | N/A | No | No | $1,500.79 | $1,500.79 | 7.250% | No | No | US Citizen | 1 | [redacted] | $2,223.00 | [redacted] | $185.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $44,845.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844631 | [Redacted] | [Redacted] | N/A | No | No | $2,450.65 | $2,450.65 | 7.125% | No | No | US Citizen | Permanent Resident Alien | 1 | [redacted] | $1,530.12 | [redacted] | $127.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $279,464.37 | 57.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844633 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,733.00 | $11,595.46 | 7.245% | $2,919.06 | $2,919.06 | 6.990% | No | No | Non-Employment Income | US Citizen | $8,803.61 | 1 | [redacted] | $6,868.80 | [redacted] | $572.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,733.00 | 6.260% | $3,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $873,154.70 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 183.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845952 | [Redacted] | [Redacted] | N/A | No | No | $1,592.87 | $1,592.87 | 7.375% | No | No | 0 | US Citizen | N/A | 1 | [redacted] | $629.04 | [redacted] | $52.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.11 | [redacted] | $490,449.23 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 132.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845954 | [Redacted] | [Redacted] | N/A | No | No | $1,625.67 | $1,625.67 | 7.500% | No | No | 0 | US Citizen | N/A | 1 | [redacted] | $936.96 | [redacted] | $78.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845957 | [Redacted] | [Redacted] | N/A | No | No | $2,073.82 | $2,073.82 | 7.250% | No | No | US Citizen | 1 | [redacted] | $651.96 | [redacted] | $54.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $192,806.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.62 | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845958 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $31,121.30 | 6.899% | $12,453.08 | $12,453.08 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $163,419.87 | 1 | [redacted] | $7,597.20 | [redacted] | $633.10 | 11.898% | 11.898% | 11.898% | [Redacted] | 788 | No | Yes | 12 | Business | 98.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.510% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Closed End | No | [redacted] | $555,262.96 | 23.130% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.32 | No | No | $94,714.92 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845961 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,545.50 | $22,618.75 | 7.858% | $4,398.06 | $4,398.06 | 7.500% | No | No | Self-Employed | US Citizen | $6,634.10 | 1 | [redacted] | $3,525.00 | [redacted] | $293.75 | 48.019% | 48.019% | 48.019% | [Redacted] | 732 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,545.50 | 6.600% | $12,000.00 | 1.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $233,460.60 | 31.540% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845981 | [Redacted] | [Redacted] | N/A | No | No | $883.81 | $883.81 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,571.36 | [redacted] | $214.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $14,774.78 | 9.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | A8 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845983 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,120.00 | $10,756.46 | 7.355% | $6,139.59 | $6,139.59 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,665.74 | 1 | [redacted] | $3,709.44 | [redacted] | $309.12 | 37.450% | 37.450% | 37.450% | [Redacted] | 757 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,120.00 | 6.490% | $0.00 | 1.9 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $286,004.90 | 25.420% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.67 | No | $11,723.17 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/18/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845984 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,173.00 | $6,742.77 | 7.301% | $1,382.43 | $1,382.43 | 6.990% | No | No | Self-Employed | US Citizen | $2,446.03 | 1 | [redacted] | $1,627.56 | [redacted] | $135.63 | 47.077% | 47.077% | 47.077% | [Redacted] | 802 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,173.00 | 6.600% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225846743 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,881.92 | 7.578% | $2,290.63 | $2,290.63 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $10,273.75 | 1 | [redacted] | $1,293.00 | [redacted] | $107.75 | 35.787% | 35.787% | 35.787% | [Redacted] | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.410% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $149,831.61 | 32.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225846891 | [Redacted] | [Redacted] | N/A | No | No | $3,363.72 | $3,363.72 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,887.00 | [redacted] | $157.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.38 | 240 | [redacted] | $186,462.86 | 24.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847147 | [Redacted] | [Redacted] | N/A | No | No | $5,970.24 | $5,970.24 | 7.625% | No | No | US Citizen | 4 | [redacted] | $5,469.00 | [redacted] | $455.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847202 | [Redacted] | [Redacted] | N/A | No | No | $2,531.25 | $2,531.25 | 6.750% | No | No | 0 | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,420.56 | [redacted] | $118.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 112.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847320 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $500.20 | 5.874% | $2,945.86 | $2,945.86 | 5.875% | No | No | Employed | US Citizen | $3,500.97 | 1 | [redacted] | $2,696.76 | [redacted] | $224.73 | 49.505% | 49.505% | 49.505% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.570% | $314,166.86 | 1.0 | None | No | No | 5.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $40,492.16 | 5.250% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847390 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,184.52 | 8.920% | $6,050.88 | $6,050.88 | 8.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,290.38 | 2 | [redacted] | $1,602.00 | [redacted] | $133.50 | 41.630% | 41.630% | 41.630% | [Redacted] | 786 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.080% | $0.00 | None | No | No | 8.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $293,674.37 | 34.750% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.77 | No | $6,565.56 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847397 | [Redacted] | [Redacted] | N/A | No | No | $1,162.67 | $1,162.67 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,940.04 | [redacted] | $161.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $36,175.05 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 223.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847402 | [Redacted] | [Redacted] | N/A | No | No | $2,195.00 | $5,643.75 | 7.454% | $4,323.63 | $4,323.63 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,175.47 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 43.056% | 43.056% | 43.056% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.600% | $0.00 | 999.0 | LP / LPA | Accept/Eligible | No | No | 7.375% | 1 | 0 | 1 | 0 | 3 | 0 | No | [redacted] | $161,344.74 | 20.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.43 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847405 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,367.79 | $10,637.27 | 7.559% | $3,727.92 | $3,727.92 | 7.375% | No | No | Self-Employed | US Citizen | $11,130.28 | 1 | [redacted] | $4,683.48 | [redacted] | $390.29 | 33.079% | 33.079% | 33.079% | [Redacted] | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,367.79 | 6.520% | $60,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $84,425.35 | 13.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847523 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,234.00 | $7,457.60 | 8.570% | $2,941.48 | $2,941.48 | 8.375% | No | No | Self-Employed | US Citizen | $6,950.71 | 1 | [redacted] | $2,653.92 | [redacted] | $221.16 | 42.993% | 42.993% | 42.993% | [Redacted] | 753 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,234.00 | 6.420% | $27,900.00 | 1.1 | None | Yes | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $15,167.17 | 3.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847935 | [Redacted] | [Redacted] | N/A | No | No | $1,192.98 | $1,192.98 | 6.875% | No | No | US Citizen | 1 | [redacted] | $3,018.00 | [redacted] | $251.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $65,925.40 | 29.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849268 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,093.13 | $12,576.28 | 6.938% | $2,481.20 | $2,481.20 | 6.625% | No | No | Non-Employment Income | US Citizen | $5,856.37 | 1 | [redacted] | $1,541.04 | [redacted] | $128.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $11,093.13 | 6.410% | $0.00 | 4.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,879,648.96 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 316.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/07/2026 | $84,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849319 | [Redacted] | [Redacted] | N/A | No | No | $2,591.48 | $2,591.48 | 6.500% | No | No | US Citizen | US Citizen | 1 | [redacted] | $909.00 | [redacted] | $75.75 | 0.000% | 0.000% | 0.000% | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.02 | [redacted] | $564,535.65 | 62.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849320 | [Redacted] | [Redacted] | N/A | No | No | $1,751.67 | $1,751.67 | 7.125% | No | No | 0 | Permanent Resident Alien | 1 | [redacted] | $1,841.04 | [redacted] | $153.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | [redacted] | $216,825.19 | 66.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849321 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,355.00 | $4,373.25 | 6.982% | $1,167.48 | $1,167.48 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Italy | $22,330.10 | 1 | [redacted] | $2,360.76 | [redacted] | $196.73 | 7.469% | 7.469% | 7.469% | [Redacted] | 741 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,355.00 | 6.520% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $54,229.19 | 22.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 12.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849429 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,493.20 | $10,084.46 | 6.929% | $3,434.98 | $3,434.98 | 6.750% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $126,300.73 | 1 | [redacted] | $1,767.00 | [redacted] | $147.25 | 7.046% | 7.046% | 7.046% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,493.20 | 6.570% | $17,926.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $189,802.14 | 28.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 11.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849432 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $0.00 | 6.965% | $1,769.58 | $1,769.58 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,522.81 | 1 | [redacted] | $1,037.04 | [redacted] | $86.42 | 27.083% | 27.083% | 27.083% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.600% | $8,543.63 | 1.4 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $86,795.13 | 24.440% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849622 | [Redacted] | [Redacted] | N/A | No | No | $1,227.37 | $1,227.37 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,240.56 | [redacted] | $103.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $94,849.61 | 42.170% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849623 | [Redacted] | [Redacted] | N/A | No | No | $3,256.69 | $3,256.69 | 6.990% | No | No | US Citizen | 3 | [redacted] | $2,868.60 | [redacted] | $239.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849627 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,645.00 | $5,484.70 | 6.887% | $1,280.62 | $1,280.62 | 6.625% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $4,204.35 | 1 | [redacted] | $1,567.68 | [redacted] | $130.64 | 37.113% | 37.113% | 37.113% | [Redacted] | 807 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,645.00 | 6.600% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | Closed End | No | [redacted] | No | 28 | 28 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | No | 44.19 | No | $0.00 | $2,856.70 | Yes | Yes | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849628 | [Redacted] | [Redacted] | N/A | No | No | $1,685.25 | $1,685.25 | 7.375% | No | No | US Citizen | 2 | [redacted] | $4,493.04 | [redacted] | $374.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $167,682.88 | 54.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849630 | [Redacted] | [Redacted] | N/A | No | No | $13,118.00 | $4,341.95 | 7.728% | $1,320.12 | $1,320.12 | 7.500% | No | No | Self-Employed | US Citizen | $579,658.76 | 1 | [redacted] | $1,085.40 | [redacted] | $90.45 | 9.498% | 9.498% | 9.498% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,118.00 | 6.600% | $0.00 | 1.1 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $880,039.14 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1309.62 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849639 | [Redacted] | [Redacted] | N/A | No | No | $1,965.25 | $1,965.25 | 6.750% | No | No | Foreign National | 1 | [redacted] | $240.00 | [redacted] | $20.00 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $236,141.10 | 56.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 42.09 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849643 | [Redacted] | [Redacted] | N/A | No | No | $1,552.25 | $1,552.25 | 7.125% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,986.00 | [redacted] | $165.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $114,845.97 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849645 | [Redacted] | [Redacted] | N/A | No | No | $2,003.25 | $2,003.25 | 7.500% | No | No | 0 | US Citizen | Foreign National | 2 | [redacted] | $2,406.00 | [redacted] | $200.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | 736 | 725 | 736 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849648 | [Redacted] | [Redacted] | N/A | No | No | $1,183.57 | $1,183.57 | 6.990% | No | No | US Citizen | 1 | [redacted] | $993.96 | [redacted] | $82.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $28,714.30 | 12.890% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849665 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,660.63 | $10,745.93 | 7.324% | $2,110.20 | $2,110.20 | 6.990% | No | No | Self-Employed | US Citizen | $5,008.13 | 2 | [redacted] | $1,940.04 | [redacted] | $161.67 | 42.762% | 42.762% | 42.762% | [Redacted] | 698 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $6,660.63 | 6.570% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $107,438.35 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849676 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $0.00 | 6.866% | $3,397.64 | $3,397.64 | 6.875% | No | No | Self-Employed | US Citizen | $19,645.66 | 1 | [redacted] | $801.00 | [redacted] | $66.75 | 42.183% | 42.183% | 42.183% | [Redacted] | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $21,620.48 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $575,977.24 | 66.810% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849688 | [Redacted] | [Redacted] | N/A | No | No | $1,272.94 | $1,272.94 | 7.250% | No | No | US Citizen | 1 | [redacted] | $2,007.00 | [redacted] | $167.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | [redacted] | $342,495.40 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 209.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849806 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,330.45 | $4,252.75 | 7.399% | $1,028.09 | $1,028.09 | 7.125% | No | No | Self-Employed | US Citizen | $4,302.97 | 1 | [redacted] | $1,405.32 | [redacted] | $117.11 | 29.015% | 29.015% | 29.015% | [Redacted] | 721 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $3,330.45 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $118,170.54 | 54.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849808 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,230.98 | $10,352.28 | 8.660% | $2,030.67 | $2,030.67 | 8.250% | No | No | Self-Employed | US Citizen | $4,588.66 | 1 | [redacted] | $2,658.00 | [redacted] | $221.50 | 45.703% | 45.703% | 45.703% | [Redacted] | 732 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $9,230.98 | 6.510% | $49,100.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 4.87 | No | [redacted] | $40,136.65 | 12.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849809 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,760.00 | $13,640.55 | 6.880% | $3,265.59 | $3,265.59 | 6.625% | No | No | Non-Employment Income | US Citizen | $4,187.57 | 1 | [redacted] | $2,539.44 | [redacted] | $211.62 | 46.766% | 46.766% | 46.766% | [Redacted] | 678 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $12,760.00 | 6.520% | $0.00 | 999.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,165,365.97 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 185.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849810 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,822.50 | $10,854.00 | 7.925% | $1,838.93 | $1,838.93 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $35,081.91 | 1 | [redacted] | $5,142.96 | [redacted] | $428.58 | 14.218% | 14.218% | 14.218% | [Redacted] | 667 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,822.50 | 6.510% | $0.00 | 1.5 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.96 | No | $40,896.37 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849811 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,237.28 | 7.027% | $4,401.52 | $4,401.52 | 6.990% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $15,402.69 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 46.268% | 46.268% | 46.268% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 1 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $620,932.73 | 70.320% | No | 28 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 70.4 | No | No | $0.00 | $7,652.05 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849998 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,277.50 | $5,655.17 | 7.172% | $1,927.43 | $1,927.43 | 6.990% | No | No | Self-Employed | US Citizen | $103,591.33 | 1 | [redacted] | $1,387.56 | [redacted] | $115.63 | 2.562% | 2.562% | 2.562% | [Redacted] | 764 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,277.50 | 6.520% | $0.00 | 2.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $51,002.71 | 14.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850161 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,290.00 | $2,997.10 | 7.012% | $6,321.97 | $6,321.97 | 6.990% | No | No | Employed | US Citizen | $12,821.35 | 1 | [redacted] | $735.96 | [redacted] | $61.33 | 48.715% | 48.715% | 48.715% | [Redacted] | 818 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,290.00 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $302,393.20 | 25.430% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850196 | [Redacted] | [Redacted] | N/A | No | No | $1,290.38 | $1,290.38 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,630.04 | [redacted] | $219.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 61.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850367 | [Redacted] | [Redacted] | N/A | No | No | $2,775.52 | $2,775.52 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,373.04 | [redacted] | $114.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $432,862.33 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 299.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850879 | [Redacted] | [Redacted] | N/A | No | No | $1,869.27 | $1,869.27 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $530.04 | [redacted] | $44.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850887 | [Redacted] | [Redacted] | N/A | No | No | $1,152.56 | $1,152.56 | 6.625% | No | No | US Citizen | Permanent Resident Alien | 1 | [redacted] | $2,387.16 | [redacted] | $198.93 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $79,286.31 | 35.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850897 | [Redacted] | [Redacted] | N/A | No | No | $3,702.99 | $3,702.99 | 6.875% | No | No | Foreign National | 1 | [redacted] | $2,086.68 | [redacted] | $173.89 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.22 | [redacted] | $75,000.00 | 9.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 25.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850902 | [Redacted] | [Redacted] | N/A | No | No | $632.27 | $632.27 | 7.990% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $891.96 | [redacted] | $74.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [redacted] | $1,150.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.29 | No | $0.00 | $0.00 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850904 | [Redacted] | [Redacted] | N/A | No | No | $799.67 | $799.67 | 8.500% | No | No | US Citizen | 1 | [redacted] | $270.96 | [redacted] | $22.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $364,242.08 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 218.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850905 | [Redacted] | [Redacted] | N/A | No | No | $4,297.38 | $4,297.38 | 7.375% | No | No | US Citizen | 3 | [redacted] | $2,220.96 | [redacted] | $185.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $322,135.78 | 41.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850919 | [Redacted] | [Redacted] | N/A | No | No | $2,404.05 | $2,404.05 | 8.250% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 2 | [redacted] | $990.96 | [redacted] | $82.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [redacted] | $143,868.69 | 35.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850925 | [Redacted] | [Redacted] | N/A | No | No | $2,646.28 | $2,646.28 | 6.750% | No | No | US Citizen | 1 | [redacted] | $741.00 | [redacted] | $61.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $174,976.98 | 34.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225851033 | [Redacted] | [Redacted] | N/A | No | No | $1,869.27 | $1,869.27 | 6.990% | No | No | US Citizen | 1 | [redacted] | $530.04 | [redacted] | $44.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225851414 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,918.03 | 7.293% | $6,821.76 | $6,821.76 | 7.250% | No | No | Employed | Permanent Resident Alien | $11,173.48 | 1 | [redacted] | $3,909.84 | [redacted] | $325.82 | 46.860% | 46.860% | 46.860% | [Redacted] | 759 | No | Yes | 12 | Personal | 61.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.250% | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $26,593.54 | 2.120% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 5.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852219 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,590.00 | $11,581.26 | 7.761% | $2,072.03 | $2,072.03 | 7.375% | No | No | Self-Employed | US Citizen | $4,179.22 | 1 | [redacted] | $1,289.76 | [redacted] | $107.48 | 49.498% | 49.498% | 49.498% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,590.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,369.81 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852326 | [Redacted] | [Redacted] | N/A | No | No | $114,640.00 | $43,608.48 | 7.158% | $9,722.55 | $9,722.55 | 6.875% | No | No | Not Employed | Employed | US Citizen | $27,231.33 | 1 | [redacted] | $5,431.56 | [redacted] | $452.63 | 37.828% | 37.828% | 37.828% | [Redacted] | 791 | No | Yes | 24 | Business | 100.000% | 25.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $114,640.00 | 6.300% | $25,000.00 | 1.8 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $100,000.00 | 5.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.17 | No | No | $43,800.25 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852425 | [Redacted] | [Redacted] | N/A | No | No | $779.62 | $779.62 | 8.125% | No | No | US Citizen | 1 | [redacted] | $900.96 | [redacted] | $75.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 645 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853504 | [Redacted] | [Redacted] | N/A | No | No | $4,115.00 | $5,157.05 | 7.834% | $898.27 | $898.27 | 6.990% | No | No | Employed | US Citizen | $9,565.92 | 1 | [redacted] | $800.28 | [redacted] | $66.69 | 9.571% | 9.571% | 9.571% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,115.00 | 6.020% | $3,000.00 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $102,197.21 | 49.370% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853780 | [Redacted] | [Redacted] | N/A | No | No | $1,686.36 | $1,686.36 | 6.750% | No | No | US Citizen | 1 | [redacted] | $988.92 | [redacted] | $82.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $62,486.50 | 15.240% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853787 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,895.00 | $7,879.94 | 7.406% | $3,410.88 | $3,410.88 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,235.67 | 1 | [redacted] | $1,581.96 | [redacted] | $131.83 | 43.587% | 43.587% | 43.587% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,895.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.250% | 0 | 2 | 2 | 0 | 2 | 0 | No | [redacted] | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.29 | No | $0.00 | $5,987.49 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853789 | [Redacted] | [Redacted] | N/A | No | No | $2,050.44 | $2,050.44 | 8.500% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,704.60 | [redacted] | $142.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $27,254.02 | 8.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853802 | [Redacted] | [Redacted] | N/A | No | No | $673.72 | $673.72 | 7.125% | No | No | Foreign National | Foreign National | 1 | [redacted] | $1,122.96 | [redacted] | $93.58 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | $96,773.47 | 27.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | 12.72 | No | $0.00 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853812 | [Redacted] | [Redacted] | N/A | No | No | $2,753.31 | $2,753.31 | 7.375% | No | No | US Citizen | US Citizen | 2 | [redacted] | $1,680.00 | [redacted] | $140.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $275,933.77 | 55.370% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853866 | [Redacted] | [Redacted] | N/A | No | No | $1,495.42 | $1,495.42 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,652.04 | [redacted] | $137.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $10,000.00 | 3.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 441.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854087 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,652.92 | 7.149% | $2,179.99 | $2,179.99 | 6.990% | No | No | Employed | US Citizen | $3,029.72 | 1 | [redacted] | $1,142.04 | [redacted] | $95.17 | 48.723% | 48.723% | 48.723% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $38,113.47 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854092 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,289.00 | $8,529.70 | 7.079% | $2,594.87 | $2,594.87 | 6.875% | No | No | Self-Employed | US Citizen | $24,337.42 | 1 | [redacted] | $680.52 | [redacted] | $56.71 | 10.195% | 10.195% | 10.195% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,289.00 | 6.520% | $3,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $217,281.48 | 42.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854093 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,739.15 | $11,079.71 | 8.654% | $5,881.53 | $5,881.53 | 8.500% | No | No | Self-Employed | Permanent Resident Alien | $57,335.33 | 1 | [redacted] | $1,609.20 | [redacted] | $134.10 | 10.933% | 10.933% | 10.933% | [Redacted] | 689 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,739.15 | 6.570% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $59,241.67 | 6.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854094 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,542.50 | $8,982.16 | 7.080% | $6,313.99 | $6,313.99 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,073.89 | 1 | [redacted] | $6,564.96 | [redacted] | $547.08 | 40.903% | 40.903% | 40.903% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,542.50 | 6.570% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $567,664.87 | 43.660% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854380 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,337.05 | 7.084% | $1,993.89 | $1,993.89 | 6.990% | No | No | Not Employed | Employed | US Citizen | US Citizen | $21,537.33 | 1 | [redacted] | $1,329.96 | [redacted] | $110.83 | 35.388% | 35.388% | 35.388% | [Redacted] | 781 | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.520% | $9,325.00 | 1.6 | None | No | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $168,041.35 | 44.810% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.18 | Yes | No | $0.00 | $33,333.34 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854381 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,834.00 | $8,976.46 | 7.335% | $6,276.02 | $6,276.02 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $9,150.07 | 1 | [redacted] | $3,198.96 | [redacted] | $266.58 | 45.915% | 45.915% | 45.915% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,834.00 | 6.510% | $0.00 | 3.0 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $686,215.97 | 59.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 60.88 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854387 | [Redacted] | [Redacted] | N/A | No | No | $6,464.45 | $6,464.45 | 8.375% | No | No | US Citizen | 1 | [redacted] | $2,151.96 | [redacted] | $179.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.64 | 1.55 | 240 | [redacted] | $666,731.24 | 53.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854389 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,340.00 | $11,365.45 | 8.151% | $5,131.47 | $5,131.47 | 7.990% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $33,045.81 | 1 | [redacted] | $2,535.12 | [redacted] | $211.26 | 44.340% | 44.340% | 44.340% | [Redacted] | 623 | No | Yes | 24 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $10,340.00 | 6.130% | $0.00 | 1.5 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.31 | No | No | $59,371.24 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854393 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,048.75 | $22,564.99 | 7.621% | $12,984.07 | $14,132.73 | 7.851% | No | No | Self-Employed | US Citizen | $50,547.49 | 1 | [redacted] | $8,005.44 | [redacted] | $667.12 | 26.700% | 28.564% | 26.700% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,048.75 | 6.230% | $0.00 | 3.0 | None | Yes | No | 7.851% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $330,305.09 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | VE | 04/30/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854400 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,160.96 | 7.001% | $13,292.62 | $13,292.62 | 6.990% | No | No | Self-Employed | US Citizen | $200,486.91 | 1 | [redacted] | $11,011.32 | [redacted] | $917.61 | 10.413% | 10.413% | 10.413% | [Redacted] | 793 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.520% | $0.00 | 2.8 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $559,740.36 | 21.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854401 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,797.90 | 7.185% | $1,597.92 | $2,396.75 | 7.612% | No | No | Non-Employment Income | US Citizen | $5,455.48 | 1 | [redacted] | $1,775.88 | [redacted] | $147.99 | 48.043% | 40.435% | 48.043% | [Redacted] | 813 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.130% | $0.00 | 2.9 | None | Yes | No | 7.612% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $994,485.65 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854402 | [Redacted] | [Redacted] | N/A | No | No | $2,380.97 | $2,380.97 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,721.00 | [redacted] | $226.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 143.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856223 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,734.00 | $17,894.26 | 7.651% | $8,320.65 | $8,320.65 | 7.500% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $15,470.46 | 1 | [redacted] | $6,736.68 | [redacted] | $561.39 | 44.059% | 44.059% | 44.059% | [Redacted] | 713 | No | Yes | 12 | Business | 40.000% | 100.000% | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,734.00 | 6.410% | $0.00 | 4.0 | None | N/A | No | 7.500% | 1 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $350,833.62 | 23.580% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 4.13 | No | $10,988.48 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856264 | [Redacted] | [Redacted] | N/A | No | No | $1,258.65 | $1,258.65 | 6.990% | No | No | US Citizen | 2 | [redacted] | $4,191.00 | [redacted] | $349.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $5,321.07 | 2.100% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856270 | [Redacted] | [Redacted] | N/A | No | No | $2,525.60 | $2,525.60 | 6.990% | No | No | US Citizen | 1 | [redacted] | $857.16 | [redacted] | $71.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 693 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856966 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,463.13 | $10,727.77 | 7.230% | $1,946.15 | $1,946.15 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,097.38 | 1 | [redacted] | $799.08 | [redacted] | $66.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $8,463.13 | 6.520% | $5,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $527,665.04 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon | FICO Risk Score Classic 04 | 198.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857000 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,960.00 | $10,950.13 | 7.249% | $4,702.50 | $6,199.93 | 7.125% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $26,166.88 | 1 | [redacted] | $1,690.80 | [redacted] | $140.90 | 37.664% | 34.097% | 37.664% | [Redacted] | 748 | No | Yes | 24 | Business | 87.000% | 100.000% | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,960.00 | 6.520% | $7,050.00 | 1.5 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 240 | [redacted] | $2,185,342.63 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 336.42 | No | No | $40,082.40 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857017 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,465.00 | $7,456.00 | 7.272% | $3,368.59 | $3,368.59 | 7.125% | No | No | Self-Employed | US Citizen | $13,421.14 | 1 | [redacted] | $7,229.40 | [redacted] | $602.45 | 38.016% | 38.016% | 38.016% | [Redacted] | 689 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,465.00 | 6.570% | $1,000.00 | 1.7 | None | Yes | No | 7.125% | 2 | 2 | 0 | 2 | 1 | 5.00 | No | [redacted] | $910,737.76 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 98.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/29/2027 | $400,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857292 | [Redacted] | [Redacted] | N/A | No | No | $1,869.27 | $1,869.27 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $530.04 | [redacted] | $44.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857328 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,414.79 | $12,292.92 | 7.756% | $1,367.28 | $1,367.28 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $7,607.11 | 1 | [redacted] | $1,172.04 | [redacted] | $97.67 | 39.403% | 39.403% | 39.403% | [Redacted] | 692 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,414.79 | 6.510% | $0.00 | 2.4 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $105,489.78 | 38.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.36 | Yes | No | $1,905.92 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857442 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,928.00 | $18,673.70 | 8.545% | $4,988.41 | $4,988.41 | 8.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $22,354.40 | 1 | [redacted] | $673.92 | [redacted] | $56.16 | 26.609% | 26.609% | 26.609% | [Redacted] | 690 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,928.00 | 6.520% | $10,000.00 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $37,654.07 | 4.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 9.23 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857613 | [Redacted] | [Redacted] | N/A | No | No | $1,034.67 | $1,034.67 | 6.875% | No | No | Non-Permanent Resident Alien | 3 | [redacted] | $2,376.48 | [redacted] | $198.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $177,973.17 | 84.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225858309 | [Redacted] | [Redacted] | N/A | No | No | $2,789.19 | $2,789.19 | 7.125% | No | No | 0 | US Citizen | N/A | 4 | [redacted] | $3,516.00 | [redacted] | $293.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.56 | [redacted] | $200,554.58 | 38.560% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225858313 | [Redacted] | [Redacted] | N/A | No | No | $2,239.58 | $2,239.58 | 6.250% | No | No | US Citizen | 1 | [redacted] | $1,946.04 | [redacted] | $162.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | 240 | [redacted] | $35,578.22 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225860212 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,259.92 | 7.131% | $17,812.50 | $23,484.59 | 7.125% | No | No | Self-Employed | US Citizen | $232,955.84 | 1 | [redacted] | $4,578.12 | [redacted] | $381.51 | 22.548% | 20.662% | 22.548% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.520% | $0.00 | 2.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $105,960.10 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225861116 | [Redacted] | [Redacted] | N/A | No | No | $1,794.50 | $1,794.50 | 6.990% | No | No | 0 | US Citizen | N/A | 1 | [redacted] | $573.96 | [redacted] | $47.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225861931 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,965.88 | $15,847.20 | 6.904% | $6,534.63 | $6,534.63 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,346.24 | 1 | [redacted] | $4,842.00 | [redacted] | $403.50 | 41.984% | 41.984% | 41.984% | 711 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,965.88 | 6.420% | $0.00 | 2.7 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 1 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225862016 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,524.18 | $7,118.23 | 7.983% | $1,441.78 | $1,441.78 | 7.625% | No | No | Employed | US Citizen | $1,788.32 | 1 | [redacted] | $593.88 | [redacted] | $49.49 | 54.377% | 54.377% | 54.377% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,524.18 | 6.320% | $0.00 | 3.0 | None | No | No | 7.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $13,685.31 | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.35 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225862027 | [Redacted] | [Redacted] | N/A | No | No | $1,662.80 | $1,662.80 | 7.250% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,584.00 | [redacted] | $132.00 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.52 | [redacted] | $124,095.51 | 37.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 11.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863371 | [Redacted] | [Redacted] | N/A | No | No | $1,024.81 | $1,024.81 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,138.32 | [redacted] | $94.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | $69,668.78 | 35.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863374 | [Redacted] | [Redacted] | N/A | No | No | $998.53 | $998.53 | 6.875% | No | No | US Citizen | 1 | [redacted] | $975.96 | [redacted] | $81.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $82,077.95 | 43.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863380 | [Redacted] | [Redacted] | N/A | No | No | $1,158.80 | $1,158.80 | 7.125% | No | No | US Citizen | 4 | [redacted] | $2,295.96 | [redacted] | $191.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $63,175.30 | 29.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863382 | [Redacted] | [Redacted] | N/A | No | No | $3,118.40 | $3,118.40 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,313.04 | [redacted] | $109.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [redacted] | $253,762.62 | 39.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863383 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,369.10 | $7,071.44 | 8.188% | $2,770.34 | $2,770.34 | 7.990% | No | No | Self-Employed | US Citizen | $17,908.31 | 1 | [redacted] | $2,264.52 | [redacted] | $188.71 | 17.806% | 17.806% | 17.806% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,369.10 | 6.130% | $0.00 | 1.2 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,396.02 | 1.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864868 | [Redacted] | [Redacted] | N/A | No | No | $1,525.30 | $1,525.30 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,427.40 | [redacted] | $118.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $54,216.81 | 19.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864870 | [Redacted] | [Redacted] | N/A | No | No | $996.97 | $996.97 | 7.990% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,575.00 | [redacted] | $131.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | $57,281.75 | 33.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864873 | [Redacted] | [Redacted] | N/A | No | No | $807.70 | $807.70 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,173.00 | [redacted] | $97.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $13,097.79 | 8.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864875 | [Redacted] | [Redacted] | N/A | No | No | $2,034.84 | $2,034.84 | 6.875% | No | No | US Citizen | 1 | [redacted] | $972.96 | [redacted] | $81.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 340.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864877 | [Redacted] | [Redacted] | N/A | No | No | $2,904.75 | $2,904.75 | 6.750% | No | No | US Citizen | 2 | [redacted] | $2,859.00 | [redacted] | $238.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $733,131.54 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864878 | [Redacted] | [Redacted] | N/A | No | No | $928.09 | $928.09 | 7.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,179.00 | [redacted] | $98.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [redacted] | $38,890.80 | 24.300% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864879 | [Redacted] | [Redacted] | N/A | No | No | $992.48 | $992.48 | 6.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,825.56 | [redacted] | $152.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | VE | $5,701,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864890 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,040.44 | 7.491% | $1,203.85 | $1,203.85 | 7.375% | No | No | Employed | US Citizen | $5,462.98 | 1 | [redacted] | $950.04 | [redacted] | $79.17 | 27.160% | 27.160% | 27.160% | [Redacted] | 688 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864891 | [Redacted] | [Redacted] | N/A | No | No | $16,501.60 | $5,875.17 | 7.119% | $1,524.07 | $1,524.07 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $11,739.21 | 1 | [redacted] | $915.96 | [redacted] | $76.33 | 26.116% | 26.116% | 26.116% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,501.60 | 6.420% | $5,000.00 | 1.7 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $115,720.24 | 39.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 29.18 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864899 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,473.00 | $7,620.76 | 6.657% | $1,584.63 | $1,584.63 | 6.375% | No | No | Self-Employed | US Citizen | $9,111.15 | 1 | [redacted] | $805.68 | [redacted] | $67.14 | 27.609% | 27.609% | 27.609% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,473.00 | 6.520% | $2,500.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $167,536.20 | 52.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864900 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,865.00 | $6,939.40 | 7.603% | $2,072.03 | $2,072.03 | 7.375% | No | No | Self-Employed | US Citizen | $5,325.88 | 1 | [redacted] | $1,599.84 | [redacted] | $133.32 | 46.485% | 46.485% | 46.485% | [Redacted] | 717 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,865.00 | 6.520% | $0.00 | 1.7 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $271,248.05 | 72.330% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864902 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,196.66 | 7.683% | $3,765.46 | $3,765.46 | 7.625% | No | No | Non-Employment Income | Non-Permanent Resident Alien | Canada | $5,831.41 | 1 | [redacted] | $2,882.16 | [redacted] | $240.18 | 43.835% | 43.835% | 43.835% | [Redacted] | 741 | Yes | No | [Borrower - | Primary Income - Alimony]; Account Statements - 2026 [Borrower - | Primary Income - Alimony]; Other - 2026 [Borrower - | Primary Income - Alimony]; Divorce Decree - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $0.00 | 1.1 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $366,299.56 | 55.080% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 48.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864903 | [Redacted] | [Redacted] | N/A | No | No | $32,852.50 | $9,015.02 | 7.549% | $3,432.66 | $3,432.66 | 7.375% | No | No | Self-Employed | US Citizen | $580,737.75 | 1 | [redacted] | $1,223.04 | [redacted] | $101.92 | 9.329% | 9.329% | 9.329% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $32,852.50 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $880,039.14 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 586.63 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864905 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,990.60 | 7.005% | $15,419.44 | $15,419.44 | 6.990% | No | No | Self-Employed | US Citizen | $87,115.10 | 1 | [redacted] | $11,234.04 | [redacted] | $936.17 | 31.887% | 31.887% | 31.887% | [Redacted] | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $3,648,775.91 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 172.59 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864906 | [Redacted] | [Redacted] | N/A | No | No | $33,610.00 | $8,043.47 | 7.022% | $3,494.86 | $3,494.86 | 6.875% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | $23,362.46 | 1 | [redacted] | $3,887.64 | [redacted] | $323.97 | 28.972% | 28.972% | 28.972% | [Redacted] | 783 | 794 | 819 | 770 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $33,610.00 | 6.570% | $0.00 | 2.4 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $4,588,451.41 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 918.78 | No | No | $0.00 | $32,891.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864912 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,750.00 | $3,690.88 | 7.147% | $9,644.28 | $9,644.28 | 7.125% | No | No | Self-Employed | US Citizen | $638,571.15 | 1 | [redacted] | $3,671.64 | [redacted] | $305.97 | 6.434% | 6.434% | 6.434% | [Redacted] | 804 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,750.00 | 6.570% | $0.00 | 1.3 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864913 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,041.20 | $0.00 | 7.748% | $2,361.29 | $2,361.29 | 7.750% | No | No | Self-Employed | US Citizen | $28,531.60 | 1 | [redacted] | $887.04 | [redacted] | $73.92 | 22.822% | 22.822% | 22.822% | [Redacted] | 670 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $9,041.20 | 6.570% | $24,720.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 17.00 | No | [redacted] | $57,133.13 | 13.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864914 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $8,741.44 | 6.312% | $2,576.27 | $2,576.27 | 6.125% | No | No | Non-Employment Income | US Citizen | $4,197.02 | 1 | [redacted] | $2,214.36 | [redacted] | $184.53 | 42.714% | 42.714% | 42.714% | [Redacted] | 719 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.510% | $0.00 | 4.6 | None | Yes | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $250,854.63 | 39.810% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864915 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,290.23 | $18,549.94 | 8.656% | $9,720.60 | $9,720.60 | 8.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,934.82 | 1 | [redacted] | $4,161.00 | [redacted] | $346.75 | 48.851% | 48.851% | 48.851% | [Redacted] | 634 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $17,290.23 | 6.520% | $0.00 | 1.1 | None | N/A | No | 8.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $112,967.94 | No | 29 | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.74 | No | $0.00 | $7,500.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864916 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,124.40 | $10,762.63 | 7.474% | $1,515.36 | $1,515.36 | 6.990% | No | No | Self-Employed | US Citizen | $12,665.88 | 1 | [redacted] | $4,170.60 | [redacted] | $347.55 | 40.398% | 40.398% | 40.398% | [Redacted] | 684 | No | Yes | 36 | Personal, Business | 73.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,124.40 | 6.520% | $69,000.00 | 1.0 | None | No | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $42,169.37 | 14.790% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864928 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,045.00 | $0.00 | 6.986% | $5,981.68 | $5,981.68 | 6.990% | No | No | Self-Employed | US Citizen | $18,903.68 | 1 | [redacted] | $1,703.16 | [redacted] | $141.93 | 45.787% | 45.787% | 45.787% | [Redacted] | 713 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $11,045.00 | 6.520% | $0.00 | 1.3 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.13 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865283 | [Redacted] | [Redacted] | N/A | No | No | $1,527.36 | $1,527.36 | 6.875% | No | No | 0 | 0 | Non-Permanent Resident Alien | US Citizen | Permanent Resident Alien | 1 | [redacted] | $1,017.96 | [redacted] | $84.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | 775 | 804 | 696 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $106,156.41 | 34.240% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865284 | [Redacted] | [Redacted] | N/A | No | No | $1,077.95 | $1,077.95 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,638.00 | [redacted] | $136.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $26,899.02 | 13.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865358 | [Redacted] | [Redacted] | N/A | No | No | $19,040.80 | $6,335.82 | 7.469% | $1,910.09 | $1,910.09 | 7.250% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | $75,063.87 | 1 | [redacted] | $2,244.00 | [redacted] | $187.00 | 13.954% | 13.954% | 13.954% | [Redacted] | 751 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,040.80 | 6.520% | $0.00 | 2.3 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,000.00 | 1.420% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.04 | No | No | $87,236.77 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865364 | [Redacted] | [Redacted] | N/A | No | No | $3,490.80 | $4,618.68 | 7.178% | $1,541.94 | $1,541.94 | 6.990% | No | No | Employed | US Citizen | $5,697.59 | 1 | [redacted] | $611.40 | [redacted] | $50.95 | 41.996% | 41.996% | 41.996% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,490.80 | 6.420% | $0.00 | 4.2 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $141,710.76 | 48.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.53 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865366 | [Redacted] | [Redacted] | N/A | No | No | $35,794.20 | $5,148.79 | 7.303% | $4,212.23 | $4,541.51 | 7.632% | No | No | Not Employed | Employed | Employed | 5.1 | US Citizen | US Citizen | $15,776.43 | 1 | [redacted] | $2,149.92 | [redacted] | $179.16 | 41.897% | 40.684% | 41.897% | [Redacted] | 814 | 790 | 802 | 760 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $35,794.20 | 6.130% | $0.00 | 1.7 | None | Yes | No | 7.632% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,446,832.15 | 100.000% | No | 30 | 30 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.32 | No | No | $0.00 | $27,152.48 | No | No | No | No | 2 | 360 | AE | 05/22/2027 | $15,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865395 | [Redacted] | [Redacted] | N/A | No | No | $5,939.81 | $5,939.81 | 7.375% | No | No | US Citizen | US Citizen | 3 | [redacted] | $19,353.00 | [redacted] | $1,612.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $497,643.62 | 46.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.94 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865474 | [Redacted] | [Redacted] | N/A | No | No | $1,517.05 | $1,517.05 | 6.875% | No | No | US Citizen | 1 | [redacted] | $981.00 | [redacted] | $81.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $4,000.00 | 1.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865786 | [Redacted] | [Redacted] | N/A | No | No | $1,302.34 | $1,302.34 | 7.625% | No | No | US Citizen | 1 | [redacted] | $771.12 | [redacted] | $64.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.9 | [redacted] | $42,983.55 | 18.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866044 | [Redacted] | [Redacted] | N/A | No | No | $17,325.50 | $5,124.24 | 7.071% | $1,699.80 | $1,699.80 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Central African Republic | $144,664.81 | 1 | [redacted] | $1,042.80 | [redacted] | $86.90 | 7.564% | 7.564% | 7.564% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $17,325.50 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $570,351.05 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 230.41 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866108 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $6,059.47 | 6.895% | $13,138.57 | $13,138.57 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $41,899.16 | 1 | [redacted] | $6,887.28 | [redacted] | $573.94 | 30.510% | 30.510% | 30.510% | [Redacted] | 747 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.510% | $0.00 | 3.3 | None | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $5,958,975.63 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 303.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866253 | [Redacted] | [Redacted] | N/A | No | No | $1,466.68 | $1,466.68 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,440.72 | [redacted] | $120.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $146,175.89 | 53.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866268 | [Redacted] | [Redacted] | N/A | No | No | $1,156.46 | $1,156.46 | 6.990% | No | No | US Citizen | 1 | [redacted] | $246.96 | [redacted] | $20.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866289 | [Redacted] | [Redacted] | N/A | No | No | $18,110.00 | $19,738.65 | 7.339% | $3,721.93 | $3,721.93 | 6.990% | No | No | Self-Employed | US Citizen | $43,698.68 | 1 | [redacted] | $1,488.00 | [redacted] | $124.00 | 17.328% | 17.328% | 17.328% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,110.00 | 6.510% | $0.00 | 4.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $718,254.95 | 66.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.41 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866292 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,470.00 | $5,848.55 | 7.476% | $3,702.02 | $3,702.02 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $1,947.07 | 1 | [redacted] | $2,283.00 | [redacted] | $190.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,470.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $988,967.88 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 172.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866300 | [Redacted] | [Redacted] | N/A | No | No | $2,006.60 | $2,006.60 | 7.625% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,064.00 | [redacted] | $172.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 658 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866513 | [Redacted] | [Redacted] | N/A | No | No | $4,666.09 | $4,666.09 | 7.250% | No | No | Permanent Resident Alien | 3 | [redacted] | $4,182.24 | [redacted] | $348.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $305,724.91 | 33.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.25 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | $777,428.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866984 | [Redacted] | [Redacted] | N/A | No | No | $1,360.89 | $1,360.89 | 6.625% | No | No | US Citizen | 1 | [redacted] | $993.96 | [redacted] | $82.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $545,808.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 101.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | AE | $35,925,447.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225867348 | [Redacted] | [Redacted] | N/A | No | No | $2,079.18 | $2,079.18 | 6.875% | No | No | US Citizen | 1 | [redacted] | $984.00 | [redacted] | $82.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 337.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225867380 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,634.00 | 7.105% | $1,927.43 | $1,927.43 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,669.11 | 1 | [redacted] | $2,010.00 | [redacted] | $167.50 | 20.877% | 20.877% | 20.877% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2000 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2000 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.420% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $1,912.74 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.64 | No | $5,368.70 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225867769 | [Redacted] | [Redacted] | N/A | No | No | $1,565.00 | $4,876.46 | 6.938% | $1,653.93 | $1,653.93 | 6.750% | No | No | Self-Employed | US Citizen | $55,588.93 | 1 | [redacted] | $1,212.00 | [redacted] | $101.00 | 20.936% | 20.936% | 20.936% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,565.00 | 6.410% | $5,570.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 1 | 0 | 2 | 0 | No | [redacted] | $398,681.76 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 163.42 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868026 | [Redacted] | [Redacted] | N/A | No | No | $2,592.06 | $2,592.06 | 6.990% | No | No | US Citizen | 1 | [redacted] | $876.00 | [redacted] | $73.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $58,327.99 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.56 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868031 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,242.30 | 8.418% | $4,013.18 | $4,013.18 | 8.375% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Canada | Canada | $7,189.45 | 1 | [redacted] | $1,905.00 | [redacted] | $158.75 | 48.271% | 48.271% | 48.271% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2019 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.570% | $0.00 | 1.8 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $15,131.65 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | No | 6.17 | No | $6,949.12 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868042 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,210.58 | 6.513% | $3,537.34 | $3,537.34 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $15,937.50 | 1 | [redacted] | $2,183.04 | [redacted] | $181.92 | 24.028% | 24.028% | 24.028% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $5,500.00 | 1.7 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $553,094.42 | 67.040% | No | 28 | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.29 | No | $0.00 | $5,853.75 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868976 | [Redacted] | [Redacted] | N/A | No | No | $24,625.00 | $11,118.30 | 7.251% | $1,918.23 | $1,918.23 | 6.875% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $6,965.98 | 1 | [redacted] | $1,026.48 | [redacted] | $85.54 | 22.103% | 22.103% | 22.103% | [Redacted] | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $24,625.00 | 6.510% | $7,300.00 | 1.0 | None | Yes | No | 6.875% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $117,038.10 | 32.060% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 16.07 | No | No | $0.00 | $4,698.38 | Yes | Yes | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225870886 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,802.50 | $5,150.12 | 7.388% | $764.33 | $764.33 | 6.990% | No | No | Self-Employed | US Citizen | $1,695.85 | 1 | [redacted] | $885.96 | [redacted] | $73.83 | 49.785% | 49.785% | 49.785% | [Redacted] | 695 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,802.50 | 6.520% | $0.00 | 1.3 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871653 | [Redacted] | [Redacted] | N/A | No | No | $25,120.00 | $5,235.98 | 7.113% | $2,791.45 | $2,791.45 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | Not Provided | $308,912.35 | 1 | [redacted] | $4,121.04 | [redacted] | $343.42 | 13.788% | 13.788% | 13.788% | [Redacted] | 773 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 52.50000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 52.50000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 52.50000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 52.50000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 52.50000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,120.00 | 6.510% | $1,789.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $271,123.42 | 51.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.36 | No | No | $358,318.28 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871711 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,036.38 | $7,053.62 | 7.070% | $5,187.45 | $5,187.45 | 6.990% | No | No | Employed | Non-Employment Income | Employed | 3.65 | US Citizen | US Citizen | US Citizen | $14,389.38 | 1 | [redacted] | $4,429.20 | [redacted] | $369.10 | 48.381% | 48.381% | 48.381% | [Redacted] | 765 | 801 | 813 | 790 | Level 2-Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,036.38 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,397,324.56 | 96.750% | No | 29 | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.1 | Yes | No | $6,673.38 | $7,004.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871712 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,144.18 | 6.797% | $5,837.38 | $5,837.38 | 6.750% | No | No | Employed | US Citizen | $9,663.03 | 1 | [redacted] | $2,355.24 | [redacted] | $196.27 | 44.757% | 44.757% | 44.757% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | Less than 12mo Bank Statements | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.510% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $989,998.84 | 81.100% | No | 4 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871718 | [Redacted] | [Redacted] | N/A | No | No | $2,039.76 | $2,039.76 | 6.875% | No | No | US Citizen | 1 | [redacted] | $2,037.00 | [redacted] | $169.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 707 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871722 | [Redacted] | [Redacted] | N/A | No | No | $806.49 | $806.49 | 10.250% | No | No | US Citizen | 1 | [redacted] | $819.12 | [redacted] | $68.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 684 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871853 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,767.26 | $7,309.17 | 6.790% | $2,729.33 | $2,729.33 | 6.625% | No | No | Non-Employment Income | US Citizen | $15,254.31 | 1 | [redacted] | $1,839.00 | [redacted] | $153.25 | 19.788% | 19.788% | 19.788% | [Redacted] | 791 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $5,767.26 | 6.320% | $0.00 | 1.7 | None | N/A | No | 6.625% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $1,789,100.66 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 416.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871931 | [Redacted] | [Redacted] | N/A | No | No | $6,847.90 | $6,847.90 | 7.625% | No | No | US Citizen | 3 | [redacted] | $5,970.96 | [redacted] | $497.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $321,611.69 | 24.930% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872722 | [Redacted] | [Redacted] | N/A | No | No | $3,410.88 | $3,410.88 | 7.250% | No | No | US Citizen | 1 | [redacted] | $4,294.92 | [redacted] | $357.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [redacted] | $417,794.90 | 58.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872723 | [Redacted] | [Redacted] | N/A | No | No | $1,262.71 | $1,262.71 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,344.12 | [redacted] | $112.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 626 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872724 | [Redacted] | [Redacted] | N/A | No | No | $1,482.18 | $1,482.18 | 7.125% | No | No | 0 | US Citizen | US Citizen | 3 | [redacted] | $2,999.04 | [redacted] | $249.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | 790 | 786 | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.19 | 0.45 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872726 | [Redacted] | [Redacted] | N/A | No | No | $2,499.01 | $2,499.01 | 6.990% | No | No | US Citizen | US Citizen | 2 | [redacted] | $4,896.00 | [redacted] | $408.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [redacted] | $588,070.57 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872729 | [Redacted] | [Redacted] | N/A | No | No | $2,779.09 | $2,779.09 | 7.125% | No | No | US Citizen | 4 | [redacted] | $3,658.92 | [redacted] | $304.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | $294,146.88 | 53.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872730 | [Redacted] | [Redacted] | N/A | No | No | $1,449.52 | $1,449.52 | 6.375% | No | No | US Citizen | 1 | [redacted] | $1,175.64 | [redacted] | $97.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $122,564.56 | 39.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872732 | [Redacted] | [Redacted] | N/A | No | No | $924.94 | $924.94 | 8.875% | No | No | US Citizen | 1 | [redacted] | $1,391.04 | [redacted] | $115.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872733 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,826.15 | $13,900.80 | 8.521% | $7,729.93 | $7,729.93 | 8.375% | No | No | Employed | US Citizen | $63,203.55 | 1 | [redacted] | $8,022.00 | [redacted] | $668.50 | 14.300% | 14.300% | 14.300% | [Redacted] | 566 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,826.15 | 6.410% | $0.00 | 2.2 | None | Yes | No | 8.375% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $3,546,833.38 | 100.000% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 239.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872737 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,583.50 | $16,265.40 | 8.333% | $3,100.88 | $3,100.88 | 7.990% | No | No | Self-Employed | US Citizen | $9,720.20 | 1 | [redacted] | $2,373.96 | [redacted] | $197.83 | 32.060% | 32.060% | 32.060% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,583.50 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,038.03 | 0.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872739 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,340.00 | $3,167.98 | 8.586% | $2,921.87 | $2,921.87 | 8.500% | No | No | Self-Employed | US Citizen | $7,340.70 | 1 | [redacted] | $3,450.00 | [redacted] | $287.50 | 35.749% | 35.749% | 35.749% | [Redacted] | 661 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,340.00 | 6.520% | $100,000.00 | 3.6 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,502.41 | 1.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872740 | [Redacted] | [Redacted] | N/A | No | No | $4,290.00 | $4,616.30 | 7.367% | $830.79 | $830.79 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $4,686.16 | 1 | [redacted] | $658.56 | [redacted] | $54.88 | 31.925% | 31.925% | 31.925% | [Redacted] | 710 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 5 | 1 | 5 | [Redacted] | $4,290.00 | 6.570% | $0.00 | 999.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 122.18 | No | No | $6,876.04 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872750 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,836.51 | 7.022% | $4,283.12 | $4,283.12 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $18,360.01 | 1 | [redacted] | $1,749.96 | [redacted] | $145.83 | 22.570% | 22.570% | 22.570% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.520% | $0.00 | 4.5 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,587,176.51 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 271.87 | No | No | $11,855.94 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872754 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,651.80 | $10,192.90 | 7.016% | $4,587.99 | $4,587.99 | 6.875% | No | No | Self-Employed | US Citizen | $30,584.19 | 1 | [redacted] | $2,385.36 | [redacted] | $198.78 | 34.728% | 34.728% | 34.728% | [Redacted] | 741 | No | Yes | 24 | Business | 100.000% | 45.260% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.26% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.26% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.26% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.26% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2001 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,651.80 | 6.420% | $0.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $190,488.05 | 20.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 12/18/2026 | $5,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872757 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,091.50 | $6,521.34 | 6.956% | $3,081.00 | $3,081.00 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $33,164.77 | 1 | [redacted] | $2,723.04 | [redacted] | $226.92 | 11.196% | 11.196% | 11.196% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,091.50 | 6.520% | $6,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $247,348.94 | 27.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card, VISA | 51.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872762 | [Redacted] | [Redacted] | Non QM | Yes | No | $56,440.00 | $56,653.70 | 6.933% | $19,457.94 | $19,457.94 | 6.750% | No | No | Not Employed | Employed | US Citizen | US Citizen | $25,866.01 | 1 | [redacted] | $7,061.04 | [redacted] | $588.42 | 54.055% | 54.055% | 54.055% | [Redacted] | 809 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $56,440.00 | 6.520% | $20,000.00 | 4.4 | None | Yes | No | 6.750% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $4,182,589.62 | 76.040% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.21 | Yes | No | $0.00 | $56,228.66 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872763 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,222.75 | $10,638.45 | 6.655% | $4,124.24 | $4,124.24 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $6,065.10 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 54.324% | 54.324% | 54.324% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,222.75 | 6.600% | $0.00 | 2.6 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $174,810.93 | 12.730% | No | 29 | 29 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.92 | Yes | No | $0.00 | $5,814.90 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872767 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,838.75 | $11,744.94 | 8.072% | $2,740.28 | $2,740.28 | 7.750% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | $6,282.71 | 1 | [redacted] | $1,743.36 | [redacted] | $145.28 | 36.857% | 36.857% | 36.857% | [Redacted] | 750 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,838.75 | 6.510% | $7,500.00 | None | N/A | No | 7.750% | 0 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $101,673.53 | 22.590% | No | 21 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | Employment Authorization | 6.55 | No | $0.00 | $3,763.77 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872771 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,019.00 | $18,344.06 | 7.556% | $5,785.50 | $6,478.88 | 7.893% | No | No | Self-Employed | US Citizen | $257,728.22 | 1 | [redacted] | $5,186.04 | [redacted] | $432.17 | 3.684% | 3.836% | 3.684% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,019.00 | 6.220% | $0.00 | 1.2 | None | Yes | No | 7.893% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $323,748.17 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872772 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,990.10 | 7.296% | $6,139.59 | $6,139.59 | 7.250% | No | No | Employed | US Citizen | $23,190.76 | 1 | [redacted] | $1,296.00 | [redacted] | $108.00 | 25.251% | 25.251% | 25.251% | [Redacted] | 712 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.320% | $0.00 | 1.0 | None | No | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $901,161.30 | 60.070% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873046 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,403.50 | $4,558.60 | 6.984% | $1,206.39 | $1,206.39 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $6,936.93 | 1 | [redacted] | $1,178.40 | [redacted] | $98.20 | 39.714% | 39.714% | 39.714% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,403.50 | 6.300% | $5,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $109,906.24 | 44.310% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.34 | No | No | $0.00 | $5,665.08 | No | No | No | No | 2 | 360 | AE | 01/31/2027 | $1,111,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873047 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,602.50 | $17,883.17 | 7.056% | $4,926.97 | $4,926.97 | 6.875% | No | No | Self-Employed | US Citizen | $18,408.55 | 1 | [redacted] | $2,685.96 | [redacted] | $223.83 | 25.220% | 25.220% | 25.220% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,602.50 | 6.520% | $3,000.00 | 1.6 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $386,559.20 | 40.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873048 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,415.00 | $5,154.36 | 7.085% | $1,264.59 | $1,264.59 | 6.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $6,999.95 | 1 | [redacted] | $1,140.96 | [redacted] | $95.08 | 51.693% | 51.693% | 51.693% | [Redacted] | 696 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2016 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 1 | 0 | 0 | [Redacted] | $3,415.00 | 6.520% | $0.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 2 | 5.00 | No | [redacted] | $849,905.26 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 208.06 | No | No | $4,163.78 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873122 | [Redacted] | [Redacted] | N/A | No | No | $5,343.75 | $5,343.75 | 6.750% | No | No | US Citizen | 4 | [redacted] | $6,773.64 | [redacted] | $564.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | 240 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873127 | [Redacted] | [Redacted] | N/A | No | No | $21,268.25 | $7,870.21 | 8.285% | $2,087.41 | $2,087.41 | 7.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,520.25 | 1 | [redacted] | $3,666.48 | [redacted] | $305.54 | 41.093% | 41.093% | 41.093% | [Redacted] | 756 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $21,268.25 | 6.520% | $10,000.00 | 2.5 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $908,440.90 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 276.87 | No | No | $1,597.90 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873128 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,042.20 | $4,186.61 | 7.332% | $3,378.14 | $3,378.14 | 7.250% | No | No | Self-Employed | US Citizen | $11,311.09 | 1 | [redacted] | $3,460.92 | [redacted] | $288.41 | 44.326% | 44.326% | 44.326% | [Redacted] | 731 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2011 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2011 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,042.20 | 6.570% | $8,000.00 | 1.8 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $156,293.81 | 25.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873173 | [Redacted] | [Redacted] | N/A | No | No | $2,031.28 | $2,031.28 | 6.990% | No | No | US Citizen | 1 | [redacted] | $941.04 | [redacted] | $78.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $117,589.16 | 28.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873183 | [Redacted] | [Redacted] | N/A | No | No | $1,490.00 | $3,036.75 | 7.041% | $3,323.16 | $3,323.16 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $13,204.83 | 1 | [redacted] | $1,734.00 | [redacted] | $144.50 | 41.170% | 41.170% | 41.170% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $589,624.91 | 94.330% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 19.01 | No | No | $0.00 | $17,052.21 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873184 | [Redacted] | [Redacted] | N/A | No | No | $797.56 | $797.56 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $729.00 | [redacted] | $60.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | 807 | 765 | 786 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $69,235.36 | 46.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873466 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,154.06 | 7.417% | $3,464.43 | $3,464.43 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $9,537.42 | 1 | [redacted] | $4,141.80 | [redacted] | $345.15 | 37.630% | 37.630% | 37.630% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.520% | $0.00 | 2.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $665,945.72 | 100.000% | No | 28 | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.69 | Yes | No | $0.00 | $7,583.33 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873490 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,572.52 | 7.397% | $7,640.59 | $7,640.59 | 7.375% | No | No | Employed | US Citizen | $73,830.87 | 1 | [redacted] | $627.96 | [redacted] | $52.33 | 35.965% | 35.965% | 35.965% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.600% | $6,750.00 | 1.9 | None | N/A | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $2,401,633.88 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 223.51 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873495 | [Redacted] | [Redacted] | N/A | No | No | $1,983.41 | $1,983.41 | 6.750% | No | No | US Citizen | 1 | [redacted] | $987.00 | [redacted] | $82.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $170,686.40 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873534 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,505.80 | $3,139.61 | 7.946% | $3,164.93 | $3,164.93 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | Non-Permanent Resident Alien | Mexico | $15,561.34 | 1 | [redacted] | $2,676.00 | [redacted] | $223.00 | 40.005% | 40.005% | 40.005% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,505.80 | 6.570% | $18,200.00 | 1.1 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $4,850.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 9.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873538 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,378.90 | 7.514% | $13,145.23 | $13,145.23 | 7.500% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $39,091.01 | 1 | [redacted] | $9,968.28 | [redacted] | $830.69 | 35.354% | 35.354% | 35.354% | [Redacted] | 795 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $0.00 | None | Yes | No | 7.500% | 0 | 0 | 2 | 0 | 2 | 2 | 5.00 | No | [redacted] | $2,065,217.15 | 87.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.94 | Yes | No | $30,525.54 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873558 | [Redacted] | [Redacted] | N/A | No | No | $946.52 | $946.52 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,145.04 | [redacted] | $95.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $8,448.67 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873567 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,128.14 | $743.38 | 9.012% | $2,661.46 | $2,661.46 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $23,358.57 | 1 | [redacted] | $1,219.80 | [redacted] | $101.65 | 23.017% | 23.017% | 23.017% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,128.14 | 6.510% | $19,179.02 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $114,656.17 | 29.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 16.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873619 | [Redacted] | [Redacted] | N/A | No | No | $784.38 | $784.38 | 6.625% | No | No | 0 | US Citizen | Not Provided | 3 | [redacted] | $1,802.04 | [redacted] | $150.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.06 | 0.48 | [redacted] | $185,102.85 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873650 | [Redacted] | [Redacted] | N/A | No | No | $2,903.63 | $2,903.63 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,400.04 | [redacted] | $116.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $101,921.65 | 18.330% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873842 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $25,967.75 | $3,446.27 | 8.011% | $11,596.03 | $11,596.03 | 7.990% | No | No | Self-Employed | US Citizen | $25,116.52 | 1 | [redacted] | $1,914.96 | [redacted] | $159.58 | 36.859% | 36.859% | 36.859% | [Redacted] | 806 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,967.75 | 6.520% | $0.00 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $333,267.47 | 18.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873843 | [Redacted] | [Redacted] | N/A | No | No | $1,145.52 | $1,145.52 | 6.875% | No | No | US Citizen | 1 | [redacted] | $395.04 | [redacted] | $32.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $140,818.74 | 60.560% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873844 | [Redacted] | [Redacted] | N/A | No | No | $1,490.60 | $1,490.60 | 7.125% | No | No | US Citizen | 1 | [redacted] | $984.96 | [redacted] | $82.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $128,251.65 | 43.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873855 | [Redacted] | [Redacted] | N/A | No | No | $1,200.75 | $1,200.75 | 6.500% | No | No | Foreign National | Foreign National | 1 | [redacted] | $1,217.04 | [redacted] | $101.42 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $299,988.08 | 68.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | 19.6 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873868 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,776.44 | $4,466.47 | 7.241% | $2,561.81 | $2,561.81 | 7.125% | No | No | Self-Employed | US Citizen | $6,571.00 | 1 | [redacted] | $3,115.56 | [redacted] | $259.63 | 36.582% | 36.582% | 36.582% | [Redacted] | 781 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $3,776.44 | 6.520% | $15,210.00 | 1.3 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $232,805.41 | 45.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873872 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,585.00 | $3,193.12 | 6.938% | $3,202.53 | $3,202.53 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,731.47 | 1 | [redacted] | $1,857.36 | [redacted] | $154.78 | 41.572% | 41.572% | 41.572% | [Redacted] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,585.00 | 6.420% | $6,250.00 | 1.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $354,652.77 | 56.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873874 | [Redacted] | [Redacted] | N/A | No | No | $2,005.03 | $2,005.03 | 8.875% | No | No | US Citizen | 2 | [redacted] | $1,728.60 | [redacted] | $144.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $396,918.85 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 111.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873877 | [Redacted] | [Redacted] | N/A | No | No | $4,784.00 | $4,243.83 | 8.302% | $1,073.21 | $1,073.21 | 7.990% | No | No | Not Employed | Employed | US Citizen | $9,065.14 | 2 | [redacted] | $1,449.00 | [redacted] | $120.75 | 35.490% | 35.490% | 35.490% | [Redacted] | 709 | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,784.00 | 6.570% | $10,980.00 | None | No | No | 7.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $112,033.24 | 61.220% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.69 | No | No | $0.00 | $14,052.25 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873879 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,195.00 | $5,573.50 | 6.785% | $3,917.53 | $3,917.53 | 6.750% | No | No | Self-Employed | US Citizen | $39,916.91 | 1 | [redacted] | $3,617.04 | [redacted] | $301.42 | 32.151% | 32.151% | 32.151% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,195.00 | 6.490% | $10,550.00 | 1.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $969,823.72 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 160.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873894 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,195.00 | $7,653.89 | 7.226% | $3,240.59 | $3,240.59 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $131,204.06 | 1 | [redacted] | $2,095.92 | [redacted] | $174.66 | 6.997% | 6.997% | 6.997% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 33.330% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,195.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,000.00 | 0.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.57 | No | No | $141,074.65 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873922 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,868.92 | 7.040% | $4,918.27 | $4,918.27 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,055.52 | 1 | [redacted] | $2,043.96 | [redacted] | $170.33 | 49.854% | 49.854% | 49.854% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $1,000.00 | 1.8 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $300,728.70 | 32.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873924 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,597.60 | $25,284.13 | 7.212% | $7,481.09 | $7,481.09 | 6.990% | No | No | Self-Employed | US Citizen | $48,886.23 | 1 | [redacted] | $2,985.00 | [redacted] | $248.75 | 20.167% | 20.167% | 20.167% | [Redacted] | 762 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,597.60 | 6.490% | $1,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $14,000.00 | 0.990% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874256 | [Redacted] | [Redacted] | N/A | No | No | $2,740.53 | $2,740.53 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,904.04 | [redacted] | $158.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.96 | 0.33 | [redacted] | $136,000.00 | 25.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874297 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,450.00 | $2,890.46 | 7.104% | $1,633.66 | $1,633.66 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $32,720.03 | 1 | [redacted] | $2,397.96 | [redacted] | $199.83 | 7.512% | 7.512% | 7.512% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,450.00 | 6.420% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $3,528,873.78 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1029.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874315 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,664.54 | $11,834.31 | 7.116% | $2,606.14 | $2,606.14 | 6.875% | No | No | Employed | US Citizen | $3,501.09 | 1 | [redacted] | $486.00 | [redacted] | $40.50 | 49.999% | 49.999% | 49.999% | [Redacted] | 750 | No | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,664.54 | 6.520% | $3,000.00 | 2.6 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $92,269.49 | 17.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874331 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,785.00 | $2,633.68 | 6.971% | $1,510.94 | $1,510.94 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,719.33 | 1 | [redacted] | $3,558.00 | [redacted] | $296.50 | 46.909% | 46.909% | 46.909% | [Redacted] | 813 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,785.00 | 6.420% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.44 | No | No | $5,524.14 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874346 | [Redacted] | [Redacted] | N/A | No | No | $4,483.54 | $4,483.54 | 6.875% | No | No | US Citizen | 2 | [redacted] | $807.96 | [redacted] | $67.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.03 | [redacted] | $38,973.98 | 3.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874347 | [Redacted] | [Redacted] | N/A | No | No | $946.52 | $946.52 | 7.250% | No | No | US Citizen | 1 | [redacted] | $594.96 | [redacted] | $49.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874382 | [Redacted] | [Redacted] | N/A | No | No | $709.70 | $709.70 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,103.04 | [redacted] | $91.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | [redacted] | $243,666.18 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874442 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,760.00 | $14,634.58 | 7.416% | $13,159.69 | $14,374.48 | 7.888% | No | No | Self-Employed | US Citizen | $24,216.87 | 1 | [redacted] | $5,205.24 | [redacted] | $433.77 | 40.995% | 38.035% | 40.995% | [Redacted] | 783 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $1,760.00 | 6.110% | $20,000.00 | 1.0 | None | N/A | No | 7.888% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $1,048,807.97 | 42.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874493 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,330.00 | $19,353.22 | 7.308% | $7,141.42 | $7,141.42 | 7.125% | No | No | Employed | US Citizen | $9,362.82 | 1 | [redacted] | $2,764.80 | [redacted] | $230.40 | 49.937% | 49.937% | 49.937% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,330.00 | 6.570% | $0.00 | 1.7 | None | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,371,201.81 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 127.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874514 | [Redacted] | [Redacted] | N/A | No | No | $970.15 | $970.15 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,249.04 | [redacted] | $187.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $46,787.84 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874518 | [Redacted] | [Redacted] | N/A | No | No | $11,560.75 | $14,667.81 | 7.148% | $2,106.52 | $2,106.52 | 6.750% | No | No | Non-Employment Income | US Citizen | $25,192.39 | 1 | [redacted] | $1,905.24 | [redacted] | $158.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 823 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $11,560.75 | 6.520% | $6,000.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,598,671.71 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 554.79 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225875352 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,668.50 | $8,458.78 | 7.136% | $3,023.18 | $4,020.69 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $9,604.61 | 1 | [redacted] | $2,165.52 | [redacted] | $180.46 | 45.450% | 39.785% | 45.450% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,668.50 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [redacted] | $1,054,846.35 | 100.000% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 170.51 | Yes | No | $0.00 | $7,838.75 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225875418 | [Redacted] | [Redacted] | N/A | No | No | $985.39 | $985.39 | 6.875% | No | No | US Citizen | 1 | [redacted] | $2,229.00 | [redacted] | $185.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225875421 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,295.00 | $7,020.42 | 6.956% | $19,938.93 | $19,938.93 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $41,099.84 | 1 | [redacted] | $12,545.04 | [redacted] | $1,045.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; Tax Return Extension - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Tax Return Extension - 2025 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,295.00 | 6.420% | $32,000.00 | 1.8 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $6,464,172.37 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 165.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876043 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,728.00 | $9,617.87 | 9.348% | $2,459.94 | $2,459.94 | 8.990% | No | No | Self-Employed | US Citizen | $11,873.46 | 1 | [redacted] | $2,566.56 | [redacted] | $213.88 | 28.652% | 28.652% | 28.652% | [Redacted] | 715 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,728.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $65,803.44 | 19.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876209 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $5,591.40 | 7.447% | $2,928.46 | $2,928.46 | 7.375% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $4,277.19 | 1 | [redacted] | $1,299.00 | [redacted] | $108.25 | 48.047% | 48.047% | 48.047% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.520% | $0.00 | 2.2 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 1 | No | [redacted] | $141,422.02 | 26.680% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 6.4 | No | $0.00 | $3,931.20 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876299 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,277.00 | 7.911% | $4,553.44 | $4,553.44 | 7.875% | No | No | Employed | US Citizen | $10,068.31 | 1 | [redacted] | $318.00 | [redacted] | $26.50 | 39.754% | 39.754% | 39.754% | [Redacted] | 716 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.520% | $3,750.00 | 1.0 | None | No | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $198,351.56 | 25.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876328 | [Redacted] | [Redacted] | N/A | No | No | $797.58 | $797.58 | 7.875% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,290.96 | [redacted] | $107.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 656 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.6 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.53 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 103.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876360 | [Redacted] | [Redacted] | N/A | No | No | $1,141.32 | $1,141.32 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,209.00 | [redacted] | $100.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876441 | [Redacted] | [Redacted] | N/A | No | No | $1,367.65 | $1,367.65 | 7.125% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,179.96 | [redacted] | $98.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $27,266.90 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876548 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,716.25 | $11,309.25 | 8.278% | $3,042.23 | $3,042.23 | 7.990% | No | Yes | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,288.64 | 1 | [redacted] | $3,068.04 | [redacted] | $255.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 626 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 2 | 1 | 0 | [Redacted] | $10,716.25 | 6.570% | $2,400.00 | 3.0 | None | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,152,586.84 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 245.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876637 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,943.80 | $14,382.40 | 7.329% | $4,783.40 | $4,783.40 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $20,439.74 | 3 | [redacted] | $2,382.00 | [redacted] | $198.50 | 42.397% | 42.397% | 42.397% | [Redacted] | 751 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,943.80 | 6.520% | $0.00 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $96,451.43 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 14.13 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878822 | [Redacted] | [Redacted] | N/A | No | No | $6,485.98 | $6,485.98 | 6.750% | No | No | US Citizen | 1 | [redacted] | $10,386.96 | [redacted] | $865.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [redacted] | $241,080.71 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878823 | [Redacted] | [Redacted] | N/A | No | No | $1,070.19 | $1,070.19 | 6.750% | No | No | US Citizen | 1 | [redacted] | $2,031.00 | [redacted] | $169.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 109.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878828 | [Redacted] | [Redacted] | N/A | No | No | $3,153.26 | $3,153.26 | 6.875% | No | No | US Citizen | 3 | [redacted] | $2,844.96 | [redacted] | $237.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | $217,635.42 | 36.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878829 | [Redacted] | [Redacted] | N/A | No | No | $1,382.01 | $1,382.01 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $755.52 | [redacted] | $62.96 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $89,326.00 | 32.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 10.08 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878830 | [Redacted] | [Redacted] | N/A | No | No | $1,044.80 | $1,044.80 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,177.04 | [redacted] | $181.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878832 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,737.40 | $7,217.20 | 8.320% | $4,056.84 | $4,056.84 | 8.250% | No | No | Self-Employed | US Citizen | $35,104.83 | 1 | [redacted] | $4,767.60 | [redacted] | $397.30 | 17.907% | 17.907% | 17.907% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 56.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 56.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,737.40 | 6.420% | $10,500.00 | 1.3 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $181,547.12 | 30.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878833 | [Redacted] | [Redacted] | N/A | No | No | $3,244.36 | $3,244.36 | 7.500% | No | No | US Citizen | 2 | [redacted] | $2,997.00 | [redacted] | $249.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $427,688.04 | 73.730% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878837 | [Redacted] | [Redacted] | N/A | No | No | $4,552.50 | $2,207.54 | 7.049% | $2,326.21 | $2,326.21 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,346.59 | 1 | [redacted] | $2,760.00 | [redacted] | $230.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | [Redacted] | $4,552.50 | 6.510% | $10,000.00 | 2.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,100,203.95 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 310.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878838 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,230.00 | $21,357.10 | 8.180% | $8,181.03 | $8,181.03 | 7.990% | No | No | Self-Employed | US Citizen | $66,679.55 | 1 | [redacted] | $3,951.96 | [redacted] | $329.33 | 19.998% | 19.998% | 19.998% | [Redacted] | 648 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,230.00 | 6.570% | $0.00 | 3.6 | DU | ApproveEligible | Yes | No | 7.990% | 2 | 1 | 0 | 2 | 1 | No | [redacted] | $1,193,187.37 | 85.530% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878839 | [Redacted] | [Redacted] | N/A | No | No | $3,058.78 | $3,997.12 | 7.300% | $698.42 | $698.42 | 6.990% | No | No | Not Employed | Non-Employment Income | Not Employed | 0 | US Citizen | Not Provided | $1,560.86 | 1 | [redacted] | $2,094.96 | [redacted] | $174.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,058.78 | 6.490% | $2,000.00 | 2.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $416,481.77 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 198.3 | No | $4,341.29 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879041 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,501.13 | $7,329.10 | 9.044% | $2,187.81 | $2,187.81 | 8.750% | No | No | Self-Employed | US Citizen | $9,605.60 | 1 | [redacted] | $1,099.08 | [redacted] | $91.59 | 37.083% | 37.083% | 37.083% | [Redacted] | 726 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $6,501.13 | 6.520% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 3 | 0 | 3 | 0 | 3.00 | No | [redacted] | $57,083.56 | 18.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879047 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $6,637.00 | 7.424% | $4,199.30 | $4,199.30 | 7.375% | No | No | Non-Employment Income | US Citizen | $8,566.87 | 1 | [redacted] | $491.04 | [redacted] | $40.92 | 38.982% | 38.982% | 38.982% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Gambling]; Other - 2026 [Borrower - | Primary Income - Gambling]; Other - 2026 [Borrower - | Primary Income - Gambling]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.520% | $11,944.79 | 1.0 | None | Yes | No | 7.375% | 0 | 2 | 0 | 3 | 3 | 0.00 | No | [redacted] | $425,473.41 | 55.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879190 | [Redacted] | [Redacted] | N/A | No | No | $7,776.18 | $7,776.18 | 6.990% | No | No | US Citizen | 4 | [redacted] | $3,515.40 | [redacted] | $292.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 819 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $64,635.84 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879194 | [Redacted] | [Redacted] | N/A | No | No | $10,102.50 | $2,081.79 | 7.109% | $1,144.83 | $1,144.83 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $144,664.46 | 1 | [redacted] | $689.04 | [redacted] | $57.42 | 7.565% | 7.565% | 7.565% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $10,102.50 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $569,078.02 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 331.36 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879214 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,410.00 | $23,464.01 | 7.730% | $4,724.22 | $4,724.22 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $31,284.82 | 1 | [redacted] | $2,706.96 | [redacted] | $225.58 | 32.835% | 32.835% | 32.835% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $22,410.00 | 6.490% | $0.00 | 1.1 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $126,913.79 | 16.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.45 | No | No | $46,578.73 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879227 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,761.45 | 6.919% | $3,705.08 | $3,705.08 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $35,783.76 | 1 | [redacted] | $3,144.72 | [redacted] | $262.06 | 26.929% | 26.929% | 26.929% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $545,327.46 | 77.350% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.88 | No | No | $0.00 | $27,296.46 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879235 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,880.00 | $2,970.77 | 6.881% | $3,099.06 | $3,099.06 | 6.875% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Russian Federation | Russian Federation | $8,049.47 | 1 | [redacted] | $1,433.64 | [redacted] | $119.47 | 37.553% | 37.553% | 37.553% | [Redacted] | 749 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,880.00 | 6.520% | $16,470.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $80,455.07 | 14.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 3.75 | No | $6,437.84 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879236 | [Redacted] | [Redacted] | N/A | No | No | $1,277.42 | $1,277.42 | 6.625% | No | No | US Citizen | US Citizen | 3 | [redacted] | $1,998.00 | [redacted] | $166.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | [redacted] | $177,046.39 | 62.120% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879238 | [Redacted] | [Redacted] | N/A | No | No | $1,595.11 | $1,595.11 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $4,675.56 | [redacted] | $389.63 | 0.000% | 0.000% | 0.000% | 773 | 735 | 764 | 739 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | $580,973.55 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 207.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879243 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,808.60 | $16,075.90 | 6.254% | $2,937.64 | $2,937.64 | 5.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,484.06 | 1 | [redacted] | $2,799.48 | [redacted] | $233.29 | 49.041% | 49.041% | 49.041% | [Redacted] | 778 | No | Yes | 36 | Personal, Business | 40.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,808.60 | 6.510% | $0.00 | 2.2 | None | Yes | No | 5.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $292,366.74 | 44.700% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.62 | No | No | $0.00 | $5,000.00 | No | No | No | No | 2 | 360 | AE | 03/16/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879244 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,778.00 | $8,417.27 | 6.666% | $1,494.29 | $1,494.29 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,957.30 | 1 | [redacted] | $2,221.56 | [redacted] | $185.13 | 28.459% | 28.459% | 28.459% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,778.00 | 6.570% | $10,000.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $494,079.20 | 99.010% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 211.16 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879277 | [Redacted] | [Redacted] | N/A | No | No | $1,648.28 | $1,648.28 | 6.990% | No | No | US Citizen | 4 | [redacted] | $2,807.04 | [redacted] | $233.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.93 | 0.51 | [redacted] | $12,392.09 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879279 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,579.50 | $14,655.30 | 7.838% | $8,677.25 | $9,009.46 | 7.888% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $52,405.21 | 1 | [redacted] | $2,441.40 | [redacted] | $203.45 | 25.246% | 27.028% | 25.246% | [Redacted] | 773 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,579.50 | 6.210% | $5,000.00 | 2.8 | None | No | No | 7.888% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $645,629.69 | 44.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.02 | No | No | $16,419.28 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879286 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,156.56 | $4,717.89 | 7.312% | $1,724.72 | $1,724.72 | 7.125% | No | No | Self-Employed | US Citizen | $22,787.61 | 1 | [redacted] | $864.00 | [redacted] | $72.00 | 12.619% | 12.619% | 12.619% | [Redacted] | 798 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,156.56 | 6.490% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $154,880.64 | 48.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879307 | [Redacted] | [Redacted] | N/A | No | No | $1,438.39 | $1,438.39 | 7.125% | No | No | US Citizen | 2 | [redacted] | $4,416.00 | [redacted] | $368.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $120,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879478 | [Redacted] | [Redacted] | N/A | No | No | $13,531.88 | $21,585.88 | 6.979% | $8,740.44 | $8,740.44 | 6.875% | No | No | Self-Employed | US Citizen | $667,318.89 | 1 | [redacted] | $6,604.44 | [redacted] | $550.37 | 6.212% | 6.212% | 6.212% | [Redacted] | 769 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,531.88 | 6.520% | $0.00 | 2.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.91 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879498 | [Redacted] | [Redacted] | N/A | No | No | $1,382.29 | $1,382.29 | 6.750% | No | No | US Citizen | 1 | [redacted] | $1,407.36 | [redacted] | $117.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $162,403.64 | 54.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879499 | [Redacted] | [Redacted] | N/A | No | No | $1,135.05 | $1,135.05 | 6.750% | No | No | US Citizen | 1 | [redacted] | $2,367.96 | [redacted] | $197.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879600 | [Redacted] | [Redacted] | N/A | No | No | $910.87 | $910.87 | 7.125% | No | No | US Citizen | 1 | [redacted] | $861.00 | [redacted] | $71.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $83,908.11 | 49.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879642 | [Redacted] | [Redacted] | N/A | No | No | $1,061.11 | $1,061.11 | 7.125% | No | No | US Citizen | 1 | [redacted] | $725.04 | [redacted] | $60.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879739 | [Redacted] | [Redacted] | N/A | No | No | $2,796.86 | $2,796.86 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,607.96 | [redacted] | $217.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.06 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882386 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,345.24 | $309.37 | 7.507% | $2,393.15 | $2,393.15 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,079.81 | 1 | [redacted] | $1,473.96 | [redacted] | $122.83 | 41.878% | 41.878% | 41.878% | [Redacted] | 760 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,345.24 | 6.320% | $22,494.12 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $54,340.04 | 14.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882437 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,180.63 | $2,495.17 | 7.593% | $1,931.58 | $1,931.58 | 7.500% | No | No | Self-Employed | US Citizen | $16,057.40 | 1 | [redacted] | $2,303.64 | [redacted] | $191.97 | 17.610% | 17.610% | 17.610% | [Redacted] | 742 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,180.63 | 6.600% | $0.00 | 3.1 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $43,390.85 | 13.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882779 | [Redacted] | [Redacted] | N/A | No | No | $1,202.65 | $1,202.65 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,053.00 | [redacted] | $87.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $74,177.04 | 34.500% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882787 | [Redacted] | [Redacted] | N/A | No | No | $1,465.51 | $1,465.51 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,020.00 | [redacted] | $85.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.02 | [redacted] | $121,622.80 | 38.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882909 | [Redacted] | [Redacted] | N/A | No | No | $1,171.41 | $1,171.41 | 6.990% | No | No | 0 | US Citizen | 1 | [redacted] | $1,422.00 | [redacted] | $118.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 113.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882916 | [Redacted] | [Redacted] | N/A | No | No | $17,990.00 | $21,498.84 | 7.439% | $7,503.94 | $7,503.94 | 7.250% | No | No | Self-Employed | US Citizen | $84,041.57 | 1 | [redacted] | $5,086.20 | [redacted] | $423.85 | 17.835% | 17.835% | 17.835% | [Redacted] | 770 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,990.00 | 6.570% | $0.00 | 2.6 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.6 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882920 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,207.50 | $6,344.30 | 8.740% | $2,222.16 | $2,222.16 | 8.500% | No | No | Not Employed | Self-Employed | US Citizen | $13,681.16 | 1 | [redacted] | $5,371.68 | [redacted] | $447.64 | 34.835% | 34.835% | 34.835% | [Redacted] | 723 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,207.50 | 6.490% | $3,000.00 | 3.0 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $120,621.71 | 35.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.63 | No | No | $20,994.71 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/24/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882940 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,352.60 | $5,043.00 | 7.168% | $3,328.88 | $3,328.88 | 7.125% | No | No | Self-Employed | US Citizen | $4,624.06 | 1 | [redacted] | $927.48 | [redacted] | $77.29 | 48.069% | 48.068% | 48.068% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $12,352.60 | 6.490% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | No | [redacted] | $136,717.28 | 22.130% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883014 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,196.85 | $21,881.30 | 6.959% | $3,008.65 | $3,008.65 | 6.500% | No | No | Self-Employed | US Citizen | $58,157.83 | 1 | [redacted] | $6,510.96 | [redacted] | $542.58 | 13.995% | 13.995% | 13.995% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,196.85 | 6.520% | $0.00 | 5.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $67,852.40 | 11.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883266 | [Redacted] | [Redacted] | N/A | No | No | $699.21 | $699.21 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,793.04 | [redacted] | $149.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2 | 0.49 | [redacted] | $63,319.56 | 50.650% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883373 | [Redacted] | [Redacted] | N/A | No | No | $700.67 | $700.67 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,112.04 | [redacted] | $92.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883388 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,790.00 | $26,281.30 | 7.940% | $10,316.34 | $10,405.71 | 7.840% | No | No | Self-Employed | US Citizen | $31,060.15 | 1 | [redacted] | $1,573.32 | [redacted] | $131.11 | 30.177% | 29.976% | 30.177% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,790.00 | 6.110% | $0.00 | 1.7 | None | Yes | No | 7.840% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $15,000.00 | 0.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883615 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,966.26 | $7,514.35 | 6.981% | $1,735.00 | $1,735.00 | 6.750% | No | No | Non-Employment Income | US Citizen | $3,359.78 | 1 | [redacted] | $900.00 | [redacted] | $75.00 | 47.919% | 47.919% | 47.919% | [Redacted] | 789 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,966.26 | 6.570% | $0.00 | 4.1 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $338,019.07 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 174.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883687 | [Redacted] | [Redacted] | N/A | No | No | $1,116.78 | $1,116.78 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,548.72 | [redacted] | $129.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $19,698.01 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 15.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883910 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,610.00 | $17,977.00 | 8.184% | $3,186.60 | $3,214.21 | 7.840% | No | No | Self-Employed | Permanent Resident Alien | $8,279.43 | 1 | [redacted] | $3,906.00 | [redacted] | $325.50 | 47.560% | 51.014% | 47.560% | [Redacted] | 674 | No | Yes | 24 | Personal, Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,610.00 | 6.220% | $16,000.00 | 1.0 | None | Yes | No | 7.840% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $260,276.21 | 46.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 31.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884004 | [Redacted] | [Redacted] | N/A | No | No | $3,790.97 | $3,790.97 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,048.52 | [redacted] | $170.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $353,977.43 | 48.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.52 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884271 | [Redacted] | [Redacted] | N/A | No | No | $1,029.65 | $1,029.65 | 6.750% | No | No | US Citizen | 1 | [redacted] | $963.00 | [redacted] | $80.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.52 | [redacted] | $55,906.61 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884279 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,790.00 | $12,505.18 | 7.228% | $1,556.64 | $1,556.64 | 6.750% | No | No | Self-Employed | US Citizen | $4,906.98 | 1 | [redacted] | $1,146.60 | [redacted] | $95.55 | 38.384% | 38.384% | 38.384% | [Redacted] | 723 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $9,790.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $4,279.97 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884285 | [Redacted] | [Redacted] | N/A | No | No | $2,069.33 | $2,069.33 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,190.52 | [redacted] | $99.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $389,388.88 | 92.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884288 | [Redacted] | [Redacted] | N/A | No | No | $1,088.75 | $1,088.75 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,299.60 | [redacted] | $108.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 719 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $130,150.00 | 65.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884290 | [Redacted] | [Redacted] | N/A | No | No | $1,391.64 | $1,391.64 | 7.250% | No | No | US Citizen | 1 | [redacted] | $691.80 | [redacted] | $57.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $119,545.38 | 46.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884451 | [Redacted] | [Redacted] | N/A | No | No | $869.10 | $869.10 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,298.52 | [redacted] | $108.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 730 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | $355,584.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 317.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884452 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,825.00 | $9,863.98 | 7.429% | $2,177.08 | $3,093.44 | 7.638% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,095.49 | 1 | [redacted] | $1,652.04 | [redacted] | $137.67 | 29.761% | 22.685% | 29.761% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,825.00 | 6.110% | $2,352.27 | 2.5 | None | Yes | No | 7.638% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $866,525.70 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 307.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884458 | [Redacted] | [Redacted] | N/A | No | No | $2,373.97 | $2,373.97 | 7.250% | No | No | Permanent Resident Alien | 2 | [redacted] | $2,136.96 | [redacted] | $178.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884466 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,937.25 | $17,612.91 | 7.584% | $2,395.07 | $2,395.07 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,466.43 | 1 | [redacted] | $2,993.16 | [redacted] | $249.43 | 42.719% | 42.719% | 42.719% | 732 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 11.81000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 11.81000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 11.81000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 11.81000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,937.25 | 6.510% | $5,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $10,283.77 | 2.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.36 | Yes | No | $3,820.76 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884467 | [Redacted] | [Redacted] | N/A | No | No | $1,933.97 | $1,933.97 | 7.250% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,968.00 | [redacted] | $164.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.9 | [redacted] | $40,000.00 | 9.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884481 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $2,838.84 | 7.088% | $709.48 | $709.48 | 6.875% | No | No | Non-Employment Income | US Citizen | $4,381.64 | 1 | [redacted] | $1,667.04 | [redacted] | $138.92 | 22.036% | 22.036% | 22.036% | [Redacted] | 784 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $338,029.36 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 278.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884488 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,219.50 | $5,889.34 | 6.980% | $1,362.06 | $1,362.06 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,493.11 | 1 | [redacted] | $1,440.00 | [redacted] | $120.00 | 36.284% | 36.284% | 36.284% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,219.50 | 6.510% | $0.00 | 1.8 | None | No | No | 6.750% | 3 | 1 | 0 | 0 | 3 | 2 | 0.00 | No | [redacted] | $956,994.01 | 99.680% | No | 29 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 120.98 | Yes | No | $0.00 | $9,462.27 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884503 | [Redacted] | [Redacted] | N/A | No | No | $8,794.25 | $9,556.05 | 8.178% | $1,703.91 | $1,703.91 | 7.750% | No | No | Self-Employed | US Citizen | $15,217.51 | 1 | [redacted] | $774.96 | [redacted] | $64.58 | 45.250% | 45.250% | 45.250% | [Redacted] | 695 | No | Yes | 12 | Business | 100.000% | 98.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,794.25 | 6.490% | $58,984.05 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $289,635.15 | 97.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.74 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884504 | [Redacted] | [Redacted] | N/A | No | No | $2,090.00 | $5,157.41 | 7.604% | $2,321.39 | $2,321.39 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,088.51 | 1 | [redacted] | $779.04 | [redacted] | $64.92 | 44.070% | 44.070% | 44.070% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.510% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.500% | 0 | 0 | 1 | 0 | 2 | 1 | No | [redacted] | $120,646.76 | 29.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884507 | [Redacted] | [Redacted] | N/A | No | No | $4,277.00 | $6,300.96 | 7.243% | $1,548.59 | $1,548.59 | 6.750% | No | No | Employed | US Citizen | $23,555.87 | 1 | [redacted] | $1,110.96 | [redacted] | $92.58 | 19.237% | 19.237% | 19.237% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,277.00 | 5.900% | $0.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $205,445.85 | 58.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884794 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,545.00 | $34,971.05 | 6.964% | $5,762.80 | $5,762.80 | 6.625% | No | No | Employed | US Citizen | $14,212.80 | 1 | [redacted] | $933.96 | [redacted] | $77.83 | 43.149% | 43.149% | 43.149% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $25,545.00 | 6.490% | $17,250.00 | 1.0 | None | Yes | No | 6.625% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,060,911.71 | 63.140% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.42 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884795 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,208.58 | 7.064% | $6,274.12 | $6,274.12 | 6.990% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $20,521.78 | 1 | [redacted] | $4,905.00 | [redacted] | $408.75 | 46.403% | 46.403% | 46.403% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $1,021,462.32 | 86.560% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 96.74 | No | No | $28,949.75 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884805 | [Redacted] | [Redacted] | N/A | No | No | $6,395.80 | $8,631.68 | 9.161% | $2,170.52 | $2,170.52 | 8.875% | No | No | Self-Employed | US Citizen | $105,789.62 | 2 | [redacted] | $1,857.36 | [redacted] | $154.78 | 14.490% | 14.490% | 14.490% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,395.80 | 6.320% | $0.00 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $74,579.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.5 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | AE | 06/12/2027 | $238,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884823 | [Redacted] | [Redacted] | N/A | No | No | $207,890.00 | $54,520.46 | 7.355% | $23,876.17 | $23,876.17 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $516,657.46 | 4 | [redacted] | $8,762.88 | [redacted] | $730.24 | 8.662% | 8.662% | 8.662% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $207,890.00 | 6.490% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.22 | No | No | $565,651.99 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884826 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $7,787.40 | 7.592% | $3,786.95 | $3,786.95 | 7.500% | No | No | Employed | US Citizen | $8,480.43 | 1 | [redacted] | $3,777.00 | [redacted] | $314.75 | 42.999% | 42.999% | 42.999% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 35 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886224 | [Redacted] | [Redacted] | N/A | No | No | $3,891.49 | $3,891.49 | 6.625% | No | No | US Citizen | US Citizen | 2 | [redacted] | $2,094.96 | [redacted] | $174.58 | 0.000% | 0.000% | 0.000% | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $398,334.75 | 42.600% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.87 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886809 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,523.63 | $18,590.73 | 7.070% | $1,891.46 | $1,891.46 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,029.30 | 1 | [redacted] | $1,386.60 | [redacted] | $115.55 | 29.269% | 29.269% | 29.269% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,523.63 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $210,244.42 | 52.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.8 | No | $7,089.76 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886812 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,190.56 | 7.616% | $1,970.79 | $2,171.82 | 7.859% | No | No | Self-Employed | US Citizen | $5,005.20 | 1 | [redacted] | $5,465.04 | [redacted] | $455.42 | 41.598% | 43.590% | 41.598% | [Redacted] | 723 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.230% | $0.00 | 3.4 | None | No | No | 7.859% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225889014 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,620.01 | $11,855.90 | 6.845% | $7,653.46 | $7,653.46 | 6.750% | No | No | Self-Employed | US Citizen | $24,639.62 | 2 | [redacted] | $3,791.28 | [redacted] | $315.94 | 31.260% | 31.260% | 31.260% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,620.01 | 6.490% | $50,500.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $45,819.17 | 3.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225891406 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $2,948.13 | 6.773% | $7,604.81 | $7,604.81 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $15,434.96 | 1 | [redacted] | $2,205.72 | [redacted] | $183.81 | 48.346% | 48.346% | 48.346% | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.490% | $0.00 | 1.2 | None | Yes | No | 6.750% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $800,357.51 | 47.780% | No | 27 | 29 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.27 | Yes | No | $0.00 | $12,285.55 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225892629 | [Redacted] | [Redacted] | N/A | No | No | $113,480.00 | $27,889.28 | 7.655% | $11,830.43 | $12,912.55 | 7.880% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | $68,707.98 | 1 | [redacted] | $7,029.36 | [redacted] | $585.78 | 25.973% | 27.197% | 25.973% | [Redacted] | 796 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $113,480.00 | 6.220% | $22,000.00 | 2.1 | None | Yes | No | 7.880% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $521,903.85 | 23.450% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.99 | No | No | $92,815.31 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/25/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225892673 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,399.61 | 7.060% | $3,024.07 | $3,024.07 | 6.990% | No | No | Self-Employed | US Citizen | $53,332.44 | 1 | [redacted] | $12,492.60 | [redacted] | $1,041.05 | 24.612% | 24.612% | 24.612% | [Redacted] | 708 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,590.00 | 6.490% | $0.00 | 3.0 | DU | ApproveEligible | No | No | 6.990% | 2 | 1 | 0 | 2 | 1 | 5.53 | No | [redacted] | $1,368,976.29 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 228.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225893340 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,731.00 | $0.00 | 6.988% | $4,865.10 | $4,865.10 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $16,475.81 | 1 | [redacted] | $8,285.04 | [redacted] | $690.42 | 35.322% | 35.322% | 35.322% | [Redacted] | 789 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,731.00 | 6.510% | $34,200.38 | 2.3 | None | Yes | No | 6.990% | 1 | 2 | 2 | 0 | 2 | 2 | 4.37 | No | [redacted] | $755,326.22 | 82.540% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.24 | Yes | No | $0.00 | $5,294.19 | No | No | No | No | 1 | 360 | AE | 06/30/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225894613 | [Redacted] | [Redacted] | N/A | No | No | $2,002.96 | $2,002.96 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,149.00 | [redacted] | $95.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 626 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225894933 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,414.98 | 6.674% | $5,602.72 | $5,602.72 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $10,570.27 | 1 | [redacted] | $2,349.00 | [redacted] | $195.75 | 42.690% | 42.690% | 42.690% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $0.00 | 3.6 | DU | ApproveEligible | N/A | No | 6.625% | 2 | 0 | 2 | 0 | 2 | 0 | No | [redacted] | $587,197.53 | 42.390% | No | 29 | 13 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.14 | No | $0.00 | $8,139.73 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895159 | [Redacted] | [Redacted] | N/A | No | No | $820.15 | $820.15 | 6.990% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [redacted] | $731.40 | [redacted] | $60.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | 786 | 797 | 762 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $355,584.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 369.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895160 | [Redacted] | [Redacted] | N/A | No | No | $1,326.38 | $1,326.38 | 8.500% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 1 | [redacted] | $2,664.00 | [redacted] | $222.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895161 | [Redacted] | [Redacted] | N/A | No | No | $1,077.95 | $1,077.95 | 7.125% | No | No | US Citizen | US Citizen | 2 | [redacted] | $1,185.24 | [redacted] | $98.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895164 | [Redacted] | [Redacted] | N/A | No | No | $1,739.55 | $1,739.55 | 7.250% | No | No | US Citizen | 2 | [redacted] | $2,406.00 | [redacted] | $200.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [redacted] | $116,890.42 | 34.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895171 | [Redacted] | [Redacted] | N/A | No | No | $985.39 | $985.39 | 6.875% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,608.00 | [redacted] | $134.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895172 | [Redacted] | [Redacted] | N/A | No | No | $1,186.37 | $1,186.37 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $737.04 | [redacted] | $61.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $97,833.76 | 38.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 11.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895174 | [Redacted] | [Redacted] | N/A | No | No | $1,648.28 | $1,648.28 | 6.990% | No | No | Permanent Resident Alien | 3 | [redacted] | $4,479.12 | [redacted] | $373.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.24 | 0.44 | [redacted] | $77,117.38 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895175 | [Redacted] | [Redacted] | N/A | No | No | $707.79 | $707.79 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,173.00 | [redacted] | $97.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 663 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.33 | 0.42 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895177 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,764.55 | 6.720% | $2,465.07 | $2,465.07 | 6.500% | No | No | Non-Employment Income | US Citizen | $23,767.54 | 1 | [redacted] | $2,910.96 | [redacted] | $242.58 | 15.666% | 15.666% | 15.666% | [Redacted] | 818 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $3,584,067.36 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 924.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895179 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,919.00 | $20,914.30 | 7.550% | $4,174.92 | $4,174.92 | 7.250% | No | No | Self-Employed | US Citizen | $10,236.87 | 1 | [redacted] | $2,457.00 | [redacted] | $204.75 | 31.979% | 31.979% | 31.979% | [Redacted] | 787 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $15,919.00 | 6.490% | $0.00 | 3.1 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $147,473.61 | 19.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895181 | [Redacted] | [Redacted] | N/A | No | No | $3,770.85 | $5,407.01 | 7.366% | $1,382.37 | $1,382.37 | 6.875% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | $45,775.37 | 1 | [redacted] | $1,517.76 | [redacted] | $126.48 | 13.334% | 13.334% | 13.334% | [Redacted] | 790 | 782 | 819 | 780 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; P&L Statement - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; W-2 - 2023 |
[Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,770.85 | 6.040% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 3 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $577,603.37 | No | Yes | Commitment | Fee Simple | Individual | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 320.09 | No | No | $52,818.23 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895185 | [Redacted] | [Redacted] | N/A | No | No | $1,895.00 | $5,502.00 | 7.546% | $3,977.13 | $3,977.13 | 7.500% | No | No | Employed | US Citizen | $5,968.68 | 1 | [redacted] | $4,064.88 | [redacted] | $338.74 | 46.685% | 46.685% | 46.685% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,895.00 | 6.510% | $2,500.00 | 1.2 | DU | ApproveEligible | No | No | 7.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $286,560.77 | 40.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | 06/29/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895187 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,845.00 | $21,885.00 | 7.580% | $4,666.09 | $4,666.09 | 7.250% | No | No | Self-Employed | US Citizen | $14,520.82 | 1 | [redacted] | $1,518.00 | [redacted] | $126.50 | 32.586% | 32.586% | 32.586% | [Redacted] | 758 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,845.00 | 6.570% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $29,068.60 | 3.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895205 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,940.00 | $2,338.09 | 7.775% | $6,505.02 | $6,505.02 | 7.750% | No | No | Self-Employed | US Citizen | $31,456.08 | 1 | [redacted] | $2,901.96 | [redacted] | $241.83 | 29.209% | 29.209% | 29.209% | [Redacted] | 705 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $1,940.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [redacted] | $50,000.00 | 4.400% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895234 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,213.75 | $732.61 | 7.191% | $1,605.28 | $1,754.03 | 7.638% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $9,774.72 | 1 | [redacted] | $1,545.60 | [redacted] | $128.80 | 33.945% | 32.940% | 33.945% | [Redacted] | 728 | No | No | [Borrower - | Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,213.75 | 6.080% | $20,000.00 | 1.0 | None | Yes | No | 7.638% | 0 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $767,134.00 | 89.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.99 | Yes | No | $0.00 | $7,691.13 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895362 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,745.00 | $26,437.30 | 7.458% | $19,756.80 | $20,778.41 | 7.636% | No | No | Non-Employment Income | Not Employed | US Citizen | Not Provided | $41,124.11 | 1 | [redacted] | $5,832.96 | [redacted] | $486.08 | 46.577% | 50.026% | 46.577% | [Redacted] | 723 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 2 | 0 | 0 | [Redacted] | $2,745.00 | 6.230% | $600.00 | 1.0 | None | Yes | No | 7.636% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $7,905,771.90 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 283.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895445 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,730.00 | $7,486.05 | 7.214% | $3,665.03 | $3,665.03 | 7.125% | No | No | Self-Employed | US Citizen | $14,335.19 | 1 | [redacted] | $2,177.64 | [redacted] | $181.47 | 35.604% | 35.604% | 35.604% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,730.00 | 6.520% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,000.00 | 7.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895488 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,086.66 | $6,522.76 | 8.356% | $2,941.21 | $2,941.21 | 8.250% | No | No | Self-Employed | US Citizen | $6,817.35 | 1 | [redacted] | $1,871.04 | [redacted] | $155.92 | 38.141% | 38.141% | 38.141% | [Redacted] | 775 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,086.66 | 6.490% | $13,000.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $215,249.68 | 49.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895505 | [Redacted] | [Redacted] | N/A | No | No | $1,103.17 | $1,103.17 | 6.000% | No | No | US Citizen | 1 | [redacted] | $1,229.40 | [redacted] | $102.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $2,842,019.64 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2060 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895566 | [Redacted] | [Redacted] | N/A | No | No | $996.84 | $996.84 | 8.990% | No | No | US Citizen | 1 | [redacted] | $1,829.76 | [redacted] | $152.48 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $38,453.50 | 24.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895569 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,890.00 | $36,310.53 | 7.150% | $7,199.94 | $7,199.94 | 6.875% | No | No | Self-Employed | US Citizen | $91,715.51 | 1 | [redacted] | $2,837.04 | [redacted] | $236.42 | 13.101% | 13.101% | 13.101% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $29,890.00 | 6.600% | $50,000.00 | 2.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $907,861.71 | 66.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895577 | [Redacted] | [Redacted] | N/A | No | No | $1,600.00 | $3,355.99 | 7.324% | $1,828.23 | $1,828.23 | 7.250% | No | No | Non-Employment Income | US Citizen | $7,471.86 | 1 | [redacted] | $1,937.52 | [redacted] | $161.46 | 47.743% | 47.743% | 47.743% | [Redacted] | 823 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,600.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $388,722.94 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 133.08 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895637 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,679.60 | $3,062.90 | 8.105% | $1,015.10 | $1,015.10 | 7.875% | No | Yes | Not Employed | Employed | US Citizen | US Citizen | $11,981.94 | 1 | [redacted] | $696.84 | [redacted] | $58.07 | 32.560% | 32.560% | 32.560% | [Redacted] | 758 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,679.60 | 6.510% | $10,000.00 | 1.0 | None | No | No | 7.875% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $332,004.86 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.05 | No | No | $0.00 | $17,766.88 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895639 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,359.33 | $12,305.88 | 7.497% | $2,231.36 | $2,231.36 | 7.125% | No | No | Employed | US Citizen | $6,812.75 | 1 | [redacted] | $3,906.00 | [redacted] | $325.50 | 38.366% | 38.366% | 38.366% | [Redacted] | 720 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,359.33 | 6.420% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895650 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,010.33 | $15,453.78 | 6.761% | $5,087.23 | $5,087.23 | 6.625% | No | Yes | Not Employed | Non-Employment Income | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $13,980.17 | 1 | [redacted] | $861.24 | [redacted] | $71.77 | 0.000% | 0.000% | 0.000% | 763 | 754 | 776 | 763 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $25,010.33 | 5.980% | $22,739.70 | 1.6 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,701,410.78 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 214.88 | Yes | No | $29,482.51 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895884 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,733.75 | $30,870.40 | 7.826% | $5,768.52 | $5,768.52 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $17,892.38 | 1 | [redacted] | $4,160.40 | [redacted] | $346.70 | 40.253% | 40.253% | 40.253% | [Redacted] | 709 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $22,733.75 | 6.490% | $150,000.00 | 1.4 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 24.00 | No | [redacted] | $281,560.11 | 25.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 19.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225896099 | [Redacted] | [Redacted] | N/A | No | No | $1,095.00 | $2,123.96 | 7.781% | $4,782.05 | $4,782.05 | 7.750% | No | No | Employed | US Citizen | $13,856.59 | 1 | [redacted] | $11,354.04 | [redacted] | $946.17 | 49.095% | 49.095% | 49.095% | [Redacted] | 749 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,095.00 | 6.570% | $0.00 | 2.7 | None | N/A | No | 7.750% | 1 | 2 | 0 | 3 | 3 | 0.00 | No | Other | [redacted] | $154,930.08 | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225896768 | [Redacted] | [Redacted] | N/A | No | No | $707.80 | $707.80 | 7.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $930.96 | [redacted] | $77.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.54 | [redacted] | $51,017.01 | 40.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897244 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,788.00 | $4,784.40 | 9.742% | $1,412.64 | $1,412.64 | 9.500% | No | No | Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $8,551.61 | 1 | [redacted] | $1,986.36 | [redacted] | $165.53 | 45.719% | 45.719% | 45.719% | 694 | 808 | 819 | 812 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2016 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,788.00 | 6.490% | $0.00 | 1.0 | None | N/A | No | 9.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $480,656.38 | 100.000% | No | 29 | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.88 | No | No | $8,325.24 | $2,749.33 | No | No | No | No | 1 | 360 | AE | 04/15/2027 | $1,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897819 | [Redacted] | [Redacted] | N/A | No | No | $68,911.88 | $16,273.13 | 7.449% | $8,417.60 | $8,417.60 | 7.375% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Brazil | $1,035,653.06 | 1 | [redacted] | $2,155.32 | [redacted] | $179.61 | 2.106% | 2.106% | 2.106% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 60.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $68,911.88 | 6.490% | $0.00 | 1.8 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $919,466.94 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 114.04 | No | No | $1,057,928.49 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897951 | [Redacted] | [Redacted] | N/A | No | No | $1,066.85 | $1,066.85 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,017.96 | [redacted] | $84.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897975 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,239.50 | $15,045.15 | 8.198% | $4,224.67 | $4,224.67 | 7.990% | No | No | Employed | US Citizen | $7,325.86 | 1 | [redacted] | $1,149.00 | [redacted] | $95.75 | 45.202% | 45.202% | 45.202% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,239.50 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.990% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $277,738.19 | 40.960% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900477 | [Redacted] | [Redacted] | N/A | No | No | $714.41 | $714.41 | 6.875% | No | No | US Citizen | 1 | [redacted] | $897.96 | [redacted] | $74.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $329,144.66 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 287.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900904 | [Redacted] | [Redacted] | N/A | No | No | $9,895.00 | $12,750.10 | 6.996% | $2,724.11 | $2,724.11 | 6.750% | No | No | Employed | Not Employed | US Citizen | $12,353.00 | 1 | [redacted] | $1,749.60 | [redacted] | $145.80 | 30.068% | 30.068% | 30.068% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,895.00 | 6.570% | $4,000.00 | 2.4 | None | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $539,330.26 | 89.880% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | LLC | Business Entity | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 112.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900912 | [Redacted] | [Redacted] | N/A | No | No | $1,023.16 | $1,023.16 | 6.750% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,484.04 | [redacted] | $123.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | $11,456.97 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900915 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,316.25 | $11,995.30 | 7.466% | $1,561.88 | $1,561.88 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $2,632.06 | 1 | [redacted] | $1,748.04 | [redacted] | $145.67 | 48.460% | 48.460% | 48.460% | 688 | No | Yes | 12 | Personal | 22.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,316.25 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $86,983.54 | 27.610% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.25 | No | $1,120.15 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900919 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,574.70 | $6,387.82 | 7.818% | $1,882.73 | $1,882.73 | 7.625% | No | No | Self-Employed | US Citizen | $10,055.63 | 1 | [redacted] | $2,331.96 | [redacted] | $194.33 | 34.216% | 34.216% | 34.216% | [Redacted] | 698 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,574.70 | 6.520% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $3,754.68 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900920 | [Redacted] | [Redacted] | N/A | No | No | $10,361.88 | $13,948.18 | 7.493% | $3,197.70 | $3,197.70 | 7.250% | No | No | Self-Employed | US Citizen | $18,828.35 | 1 | [redacted] | $1,578.96 | [redacted] | $131.58 | 16.344% | 16.344% | 16.344% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,361.88 | 6.570% | $6,155.00 | 1.4 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $111,252.98 | 17.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.34 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900928 | [Redacted] | [Redacted] | N/A | No | No | $2,695.00 | $7,804.30 | 7.104% | $3,190.23 | $3,190.23 | 6.990% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $16,680.47 | 2 | [redacted] | $2,925.96 | [redacted] | $243.83 | 46.444% | 46.444% | 46.444% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,695.00 | 6.570% | $2,000.00 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $273,031.05 | 42.660% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.29 | No | No | $2,395.94 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900931 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,932.30 | $95.94 | 6.829% | $14,025.43 | $14,025.43 | 6.875% | No | No | Self-Employed | US Citizen | $40,197.19 | 1 | [redacted] | $5,655.96 | [redacted] | $471.33 | 36.655% | 36.655% | 36.655% | [Redacted] | 788 | No | Yes | 12 | Business | 99.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $24,932.30 | 6.510% | $54,794.40 | 5.0 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Closed End | No | [redacted] | $1,517,740.73 | 48.950% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.8 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901003 | [Redacted] | [Redacted] | N/A | No | No | $1,051.00 | $1,051.00 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,305.96 | [redacted] | $108.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $2,100.00 | 1.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901004 | [Redacted] | [Redacted] | N/A | No | No | $583.34 | $583.34 | 8.625% | No | No | US Citizen | 1 | [redacted] | $1,635.00 | [redacted] | $136.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901164 | [Redacted] | [Redacted] | N/A | No | No | $769.72 | $769.72 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,443.96 | [redacted] | $120.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $9,585.10 | 6.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901495 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,575.00 | $10,204.14 | 7.158% | $3,163.64 | $3,163.64 | 6.990% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,514.73 | 1 | [redacted] | $2,394.60 | [redacted] | $199.55 | 38.075% | 38.075% | 38.075% | [Redacted] | 796 | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,575.00 | 6.510% | $6,895.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $428,963.95 | 63.080% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.35 | No | No | $0.00 | $13,749.99 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901694 | [Redacted] | [Redacted] | N/A | No | No | $6,590.00 | $10,766.44 | 6.532% | $3,119.35 | $3,119.35 | 6.375% | No | No | Not Employed | Not Employed | Employed | 32.02 | US Citizen | US Citizen | $37,344.35 | 1 | [redacted] | $3,419.04 | [redacted] | $284.92 | 13.401% | 13.401% | 13.401% | [Redacted] | 793 | 793 | 800 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,590.00 | 6.490% | $0.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $289,838.13 | 29.420% | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 88.38 | No | No | $0.00 | $43,123.17 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902291 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,648.20 | $12,875.05 | 7.383% | $2,864.38 | $2,864.38 | 7.125% | No | No | Self-Employed | US Citizen | $5,424.72 | 1 | [redacted] | $3,414.96 | [redacted] | $284.58 | 38.738% | 38.738% | 38.738% | [Redacted] | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2006 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,648.20 | 6.490% | $9,448.00 | 2.5 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $70,790.90 | 14.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.97 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902635 | [Redacted] | [Redacted] | N/A | No | No | $690.70 | $690.70 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,184.04 | [redacted] | $98.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | $190,462.95 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 214.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902858 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $6,712.80 | 7.089% | $2,990.84 | $2,990.84 | 6.990% | No | Yes | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,466.89 | 1 | [redacted] | $4,129.92 | [redacted] | $344.16 | 38.247% | 38.247% | 38.247% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,257,407.79 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 241.39 | No | No | $11,430.30 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/23/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225903511 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,402.85 | $8,865.89 | 9.342% | $1,917.31 | $1,917.31 | 8.990% | No | No | Self-Employed | Permanent Resident Alien | $5,365.22 | 1 | [redacted] | $791.04 | [redacted] | $65.92 | 41.009% | 41.009% | 41.009% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,402.85 | 6.490% | $0.00 | 3.7 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $3,000.00 | 1.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 7.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225904670 | [Redacted] | [Redacted] | N/A | No | No | $9,100.00 | $14,372.33 | 7.521% | $3,138.02 | $3,138.02 | 7.250% | No | No | Self-Employed | US Citizen | $3,221.00 | 2 | [redacted] | $1,848.00 | [redacted] | $154.00 | 35.606% | 35.606% | 35.606% | [Redacted] | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,100.00 | 6.520% | $2,500.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $161,889.27 | 28.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.65 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225904908 | [Redacted] | [Redacted] | N/A | No | No | $1,320.92 | $1,320.92 | 7.375% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,490.04 | [redacted] | $124.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225904910 | [Redacted] | [Redacted] | N/A | No | No | $701.04 | $701.04 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,579.92 | [redacted] | $131.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 652 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $77,347.94 | 53.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225905425 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,290.00 | $23,821.62 | 9.015% | $6,372.27 | $6,372.27 | 8.750% | No | No | Self-Employed | US Citizen | $39,375.44 | 1 | [redacted] | $1,683.00 | [redacted] | $140.25 | 19.430% | 19.430% | 19.430% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,290.00 | 6.490% | $7,150.00 | 1.7 | None | Yes | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $156,060.25 | 17.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906405 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $9,436.30 | 6.648% | $7,683.73 | $7,683.73 | 6.625% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $14,442.45 | 1 | [redacted] | $720.00 | [redacted] | $60.00 | 49.100% | 49.100% | 49.100% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 1 | 2 | 0 | 3 | 1 | 0.00 | No | HELOC | No | [redacted] | $239,359.22 | 14.950% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 5.1 | No | No | $0.00 | $7,500.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906466 | [Redacted] | [Redacted] | N/A | No | No | $1,382.43 | $1,382.43 | 6.990% | No | No | Permanent Resident Alien | 2 | [redacted] | $2,328.00 | [redacted] | $194.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906549 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,239.50 | $9,092.70 | 7.098% | $3,954.55 | $3,954.55 | 6.990% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $9,837.16 | 1 | [redacted] | $2,219.04 | [redacted] | $184.92 | 36.091% | 36.091% | 36.091% | [Redacted] | 806 | No | Yes | 12 | Personal | 62.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,239.50 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $348,805.61 | 43.060% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 22.65 | No | $0.00 | $5,873.76 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906559 | [Redacted] | [Redacted] | N/A | No | No | $716.41 | $716.41 | 7.750% | No | No | US Citizen | 2 | [redacted] | $1,106.04 | [redacted] | $92.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | [redacted] | $5,000.00 | 4.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225907012 | [Redacted] | [Redacted] | N/A | No | No | $1,409.02 | $1,409.02 | 6.990% | No | No | 0 | Permanent Resident Alien | US Citizen | 2 | [redacted] | $1,457.04 | [redacted] | $121.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | $209,473.18 | 79.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908741 | [Redacted] | [Redacted] | N/A | No | No | $725.07 | $725.07 | 7.875% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,469.64 | [redacted] | $122.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | 765 | 766 | 770 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | $7,195.55 | 5.490% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908752 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,920.00 | $9,220.99 | 7.103% | $3,888.09 | $3,888.09 | 6.990% | No | No | Employed | US Citizen | $6,518.75 | 1 | [redacted] | $2,440.92 | [redacted] | $203.41 | 44.671% | 44.671% | 44.671% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,920.00 | 6.510% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908755 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,843.75 | $14,309.30 | 8.068% | $2,901.47 | $2,901.47 | 7.750% | No | No | Self-Employed | US Citizen | $6,562.68 | 1 | [redacted] | $2,406.48 | [redacted] | $200.54 | 39.489% | 39.489% | 39.489% | [Redacted] | 777 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,843.75 | 6.490% | $2,420.00 | 2.7 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $120,724.88 | 26.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908770 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $6,214.05 | 6.915% | $4,621.49 | $4,621.49 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,915.73 | 1 | [redacted] | $2,783.04 | [redacted] | $231.92 | 22.111% | 22.111% | 22.111% | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.600% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $501,753.57 | 49.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908905 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,270.00 | $12,178.10 | 7.580% | $2,182.96 | $2,182.96 | 7.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $4,601.84 | 1 | [redacted] | $2,084.04 | [redacted] | $173.67 | 45.787% | 45.787% | 45.787% | [Redacted] | 729 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,270.00 | 6.490% | $0.00 | 1.2 | None | No | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 4 | 0.00 | No | [redacted] | $210,060.09 | 52.510% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.59 | No | $0.00 | $8,488.44 | No | No | No | No | 1 | 360 | AE | 07/02/2027 | $85,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908911 | [Redacted] | [Redacted] | N/A | No | No | $9,061.66 | $9,061.66 | 7.375% | No | No | US Citizen | US Citizen | 4 | [redacted] | $1,614.00 | [redacted] | $134.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225909703 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,880.00 | 6.796% | $5,593.67 | $5,593.67 | 6.750% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $12,453.80 | 1 | [redacted] | $1,520.64 | [redacted] | $126.72 | 46.627% | 46.627% | 46.627% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.420% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $389,274.73 | 33.850% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 12.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910247 | [Redacted] | [Redacted] | N/A | No | No | $2,747.85 | $4,665.81 | 7.455% | $1,288.63 | $1,288.63 | 7.250% | No | No | Non-Employment Income | US Citizen | $9,115.97 | 1 | [redacted] | $1,266.96 | [redacted] | $105.58 | 42.153% | 42.153% | 42.153% | [Redacted] | 768 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,747.85 | 6.490% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.250% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $167,122.64 | 63.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910435 | [Redacted] | [Redacted] | N/A | No | No | $8,610.00 | $10,601.81 | 7.329% | $1,860.97 | $1,860.97 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $17,991.46 | 1 | [redacted] | $6,590.04 | [redacted] | $549.17 | 23.618% | 23.618% | 23.618% | [Redacted] | 761 | No | Yes | 12 | Business | 64.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $8,610.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $35,233.46 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.44 | No | No | $11,705.72 | $0.00 | No | No | No | No | 3 | 360 | AE | 07/06/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910469 | [Redacted] | [Redacted] | N/A | No | No | $1,992.76 | $1,992.76 | 7.500% | No | No | 0 | US Citizen | Not Provided | 4 | [redacted] | $3,975.00 | [redacted] | $331.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910919 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,875.00 | $21,727.38 | 6.740% | $8,708.23 | $8,708.23 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $28,071.73 | 1 | [redacted] | $26,304.72 | [redacted] | $2,192.06 | 45.394% | 45.394% | 45.394% | [Redacted] | 799 | No | Yes | 12 | Business | 81.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,875.00 | 6.600% | $0.00 | None | Yes | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $63,125.53 | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.15 | No | No | $0.00 | $9,756.58 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225911656 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,750.00 | $6,064.20 | 6.791% | $4,013.20 | $4,013.20 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $12,485.73 | 1 | [redacted] | $9,666.96 | [redacted] | $805.58 | 42.515% | 42.515% | 42.515% | [Redacted] | 773 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,750.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.750% | 0 | 0 | 1 | 0 | 1 | 0 | 0.00 | No | [redacted] | $712,495.32 | 86.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.85 | No | No | $19,993.25 | $0.00 | No | No | No | No | 6 | 360 | AE | 07/02/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225911756 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,242.80 | $8,895.45 | 7.198% | $2,233.16 | $2,233.16 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $3,399.22 | 1 | [redacted] | $1,734.00 | [redacted] | $144.50 | 48.426% | 48.426% | 48.426% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,242.80 | 6.520% | $8,172.16 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $136,099.22 | 32.400% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225911758 | [Redacted] | [Redacted] | N/A | No | No | $1,382.43 | $1,382.43 | 6.990% | No | No | Permanent Resident Alien | 2 | [redacted] | $2,124.96 | [redacted] | $177.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [redacted] | $248,782.13 | 95.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225911930 | [Redacted] | [Redacted] | N/A | No | No | $1,728.04 | $1,728.04 | 6.990% | No | No | 0 | Permanent Resident Alien | Not Provided | 2 | [redacted] | $2,475.00 | [redacted] | $206.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.7 | [redacted] | $211,473.18 | 65.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912289 | [Redacted] | [Redacted] | N/A | No | No | $2,843.19 | $2,843.19 | 6.875% | No | No | US Citizen | 4 | [redacted] | $7,562.04 | [redacted] | $630.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | $329,998.95 | 60.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912365 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,000.00 | $6,352.10 | 7.370% | $1,482.18 | $1,482.18 | 7.125% | No | No | Self-Employed | US Citizen | $4,022.73 | 1 | [redacted] | $3,160.68 | [redacted] | $263.39 | 34.123% | 34.123% | 34.123% | [Redacted] | 745 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2015 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,000.00 | 6.490% | $1,000.00 | 1.8 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $52,983.17 | 17.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914162 | [Redacted] | [Redacted] | N/A | No | No | $1,161.44 | $1,161.44 | 6.990% | No | No | 0 | Permanent Resident Alien | N/A | 1 | [redacted] | $441.00 | [redacted] | $36.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $323,220.01 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 166.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914335 | [Redacted] | [Redacted] | N/A | No | No | $1,390.00 | $3,853.30 | 7.082% | $1,839.37 | $1,839.37 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $13,915.36 | 1 | [redacted] | $1,736.04 | [redacted] | $144.67 | 44.413% | 44.413% | 44.413% | [Redacted] | 742 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.490% | $0.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $430,120.70 | 100.000% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.46 | No | No | $0.00 | $20,833.34 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914347 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,607.81 | $5,687.11 | 7.337% | $975.35 | $975.35 | 6.990% | No | No | Self-Employed | Permanent Resident Alien | $2,329.80 | 1 | [redacted] | $2,125.68 | [redacted] | $177.14 | 40.922% | 40.922% | 40.922% | [Redacted] | 804 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,607.81 | 6.570% | $7,500.00 | 1.0 | None | Yes | No | 6.990% | 0 | 1 | 0 | 1 | 1 | 6.00 | No | [redacted] | $151,059.28 | 61.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 32.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914357 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $1,284.13 | 6.490% | $2,496.67 | $2,496.67 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $6,096.70 | 1 | [redacted] | $593.04 | [redacted] | $49.42 | 41.075% | 41.075% | 41.075% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.490% | $7,663.75 | 1.5 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $240,433.93 | 48.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 47.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914358 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,676.30 | 6.956% | $1,918.23 | $1,918.23 | 6.875% | No | No | Self-Employed | US Citizen | $3,950.93 | 1 | [redacted] | $1,810.56 | [redacted] | $150.88 | 38.584% | 38.584% | 38.584% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.490% | $0.00 | 4.6 | None | N/A | No | 6.875% | 0 | 1 | 0 | 2 | 1 | No | [redacted] | $463,715.10 | 67.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914362 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,722.00 | $18,635.82 | 7.929% | $2,880.76 | $2,880.76 | 7.500% | No | No | Employed | US Citizen | $3,713.38 | 1 | [redacted] | $2,034.00 | [redacted] | $169.50 | 46.810% | 46.810% | 46.810% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,722.00 | 6.420% | $0.00 | 4.6 | None | N/A | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $50,422.05 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914365 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,741.25 | $24,334.46 | 7.981% | $4,299.85 | $4,299.85 | 7.625% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Brazil | Brazil | $9,859.05 | 1 | [redacted] | $1,449.00 | [redacted] | $120.75 | 39.938% | 39.938% | 39.938% | [Redacted] | 793 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,741.25 | 6.570% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $202,422.72 | 26.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport, VISA | Passport, VISA | 6.19 | No | $3,050.29 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914570 | [Redacted] | [Redacted] | N/A | No | No | $7,162.64 | $8,527.44 | 7.452% | $1,584.05 | $1,584.05 | 7.125% | No | No | Self-Employed | US Citizen | $22,280.15 | 1 | [redacted] | $803.04 | [redacted] | $66.92 | 16.373% | 16.373% | 16.373% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,162.64 | 6.570% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $83,030.49 | 28.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919105 | [Redacted] | [Redacted] | N/A | No | No | $1,913.36 | $1,913.36 | 6.750% | No | No | 0 | Non-Permanent Resident Alien | 1 | [redacted] | $1,061.04 | [redacted] | $88.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [redacted] | $1,201,968.37 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 531.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919106 | [Redacted] | [Redacted] | N/A | No | No | $1,913.36 | $1,913.36 | 6.750% | No | No | 0 | Non-Permanent Resident Alien | Not Provided | 1 | [redacted] | $1,061.04 | [redacted] | $88.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $955,282.05 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 387.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919108 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,610.45 | $4,723.43 | 6.911% | $3,956.29 | $3,956.29 | 6.875% | No | No | Self-Employed | US Citizen | $27,200.76 | 1 | [redacted] | $2,251.20 | [redacted] | $187.60 | 28.069% | 28.069% | 28.069% | [Redacted] | 796 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,610.45 | 6.520% | $0.00 | 4.3 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $548,883.40 | 72.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.31 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919110 | [Redacted] | [Redacted] | N/A | No | No | $5,242.50 | $5,242.50 | 6.990% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,781.00 | [redacted] | $231.75 | 0.000% | 0.000% | 0.000% | 755 | 799 | 807 | 812 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.3 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | 240 | [redacted] | $290,703.11 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 189.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AO | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919112 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,600.96 | 7.028% | $3,771.78 | $3,771.78 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $5,552.19 | 1 | [redacted] | $1,464.00 | [redacted] | $122.00 | 46.520% | 46.520% | 46.520% | [Redacted] | 716 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $29,100.00 | 1.0 | None | No | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $448,290.59 | 46.210% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.06 | Yes | No | $0.00 | $5,456.42 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919118 | [Redacted] | [Redacted] | N/A | No | No | $663.92 | $663.92 | 9.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,637.04 | [redacted] | $136.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $70,012.65 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919120 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,623.13 | $13,963.73 | 7.499% | $3,223.28 | $3,223.28 | 7.250% | No | No | Self-Employed | US Citizen | $41,875.51 | 1 | [redacted] | $900.96 | [redacted] | $75.08 | 12.067% | 12.067% | 12.067% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,623.13 | 6.490% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $195,437.43 | 37.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919121 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $5,344.30 | 7.336% | $2,691.19 | $2,691.19 | 7.250% | No | No | Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $4,821.80 | 1 | [redacted] | $1,566.60 | [redacted] | $130.55 | 47.633% | 47.633% | 47.633% | [Redacted] | 737 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.490% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $434,095.03 | 55.010% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 6.79 | Yes | No | $1,159.04 | $0.00 | Yes | Yes | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919123 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,515.00 | $9,188.98 | 7.519% | $2,046.53 | $2,046.53 | 7.250% | No | No | Self-Employed | US Citizen | $6,449.29 | 1 | [redacted] | $2,595.00 | [redacted] | $216.25 | 32.401% | 32.401% | 32.401% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,515.00 | 6.520% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $19,868.57 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919124 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $7,580.70 | 8.915% | $5,513.10 | $5,513.10 | 8.875% | No | No | Self-Employed | US Citizen | $22,268.52 | 1 | [redacted] | $6,408.96 | [redacted] | $534.08 | 27.070% | 27.070% | 27.070% | [Redacted] | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.080% | $10,000.00 | 3.1 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $227,653.78 | 29.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919128 | [Redacted] | [Redacted] | N/A | No | No | $3,663.33 | $3,663.33 | 8.000% | No | No | US Citizen | 1 | [redacted] | $981.96 | [redacted] | $81.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919191 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,484.00 | $6,928.71 | 7.167% | $2,100.23 | $2,100.23 | 6.990% | No | No | Self-Employed | US Citizen | $21,170.08 | 1 | [redacted] | $1,714.68 | [redacted] | $142.89 | 41.481% | 41.481% | 41.481% | [Redacted] | 761 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,484.00 | 6.260% | $75,395.00 | 1.0 | None | No | No | 6.990% | 0 | 2 | 0 | 2 | 2 | 3.97 | No | [redacted] | $3,950.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.73 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 01/26/2027 | $10,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919240 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,583.25 | $13,118.16 | 7.837% | $7,070.99 | $7,070.99 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,512.64 | 1 | [redacted] | $3,663.96 | [redacted] | $305.33 | 47.565% | 47.565% | 47.565% | [Redacted] | 667 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 1.50% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 1.50% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 1.50% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,583.25 | 6.520% | $0.00 | 2.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $715,336.46 | 50.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919360 | [Redacted] | [Redacted] | N/A | No | No | $11,165.00 | $15,517.50 | 7.414% | $4,775.23 | $4,775.23 | 7.250% | No | No | Self-Employed | US Citizen | $194,467.94 | 1 | [redacted] | $872.04 | [redacted] | $72.67 | 9.268% | 9.268% | 9.268% | [Redacted] | 733 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,165.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | [redacted] | $1,823,076.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 241.43 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 10/25/2026 | $15,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919361 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,730.00 | $23,523.26 | 7.801% | $9,172.17 | $9,639.15 | 7.886% | No | No | Self-Employed | US Citizen | $66,700.10 | 1 | [redacted] | $5,399.88 | [redacted] | $449.99 | 26.831% | 28.165% | 26.831% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 29.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,730.00 | 6.230% | $0.00 | 5.0 | None | No | No | 7.886% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $537,731.86 | 32.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 06/30/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919404 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $9,115.12 | 7.641% | $10,378.03 | $10,378.03 | 7.625% | No | No | Self-Employed | US Citizen | $68,232.53 | 1 | [redacted] | $4,157.04 | [redacted] | $346.42 | 15.357% | 15.357% | 15.357% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $0.00 | 1.9 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $76,553.56 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/01/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919967 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,099.60 | 7.507% | $6,617.19 | $9,579.16 | 7.886% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $434,707.74 | 1 | [redacted] | $2,280.00 | [redacted] | $190.00 | 4.940% | 4.713% | 4.940% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 27.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 27.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 27.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 27.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $1,790.00 | 6.230% | $5,000.00 | 1.7 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [redacted] | $1,668,081.32 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 135.25 | Yes | No | $457,295.96 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920061 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,128.72 | $5,741.27 | 7.276% | $1,153.80 | $1,153.80 | 6.990% | No | No | Self-Employed | US Citizen | $3,220.41 | 1 | [redacted] | $1,323.00 | [redacted] | $110.25 | 41.793% | 41.793% | 41.793% | [Redacted] | 742 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,128.72 | 6.490% | $4,750.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $74,172.41 | 34.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920147 | [Redacted] | [Redacted] | N/A | No | No | $899.33 | $899.33 | 6.000% | No | No | 0 | 0 | US Citizen | Not Provided | US Citizen | 1 | [redacted] | $892.80 | [redacted] | $74.40 | 0.000% | 0.000% | 0.000% | 807 | 816 | 840 | 800 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $116,625.30 | 56.890% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920419 | [Redacted] | [Redacted] | N/A | No | No | $3,126.50 | $3,126.50 | 7.875% | No | No | US Citizen | 1 | [redacted] | $2,123.04 | [redacted] | $176.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | $205,379.26 | 38.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920553 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,340.00 | $7,594.48 | 7.377% | $936.12 | $936.12 | 6.875% | No | No | Employed | Permanent Resident Alien | $27,628.21 | 1 | [redacted] | $1,614.72 | [redacted] | $134.56 | 15.506% | 15.506% | 15.506% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,340.00 | 6.510% | $400.00 | 1.9 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $205,844.88 | 72.220% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 19.06 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/01/2027 | $108,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920610 | [Redacted] | [Redacted] | N/A | No | No | $16,530.00 | $16,530.00 | 7.125% | No | No | US Citizen | 1 | [redacted] | $10,587.96 | [redacted] | $882.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.77 | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920743 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,752.00 | $3,967.74 | 7.033% | $2,871.21 | $2,871.21 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | N/A | $339,656.10 | 1 | [redacted] | $2,251.92 | [redacted] | $187.66 | 16.387% | 16.387% | 16.387% | [Redacted] | 740 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 80.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,752.00 | 6.520% | $15,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,000.00 | 1.110% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 180.7 | No | No | $406,224.00 | $0.00 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920834 | [Redacted] | [Redacted] | N/A | No | No | $5,645.33 | $5,645.33 | 7.750% | No | No | US Citizen | 3 | [redacted] | $3,494.40 | [redacted] | $291.20 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $203,338.30 | 20.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921073 | [Redacted] | [Redacted] | N/A | No | No | $2,047.06 | $2,047.06 | 6.990% | No | No | US Citizen | 1 | [redacted] | $777.00 | [redacted] | $64.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $117,431.23 | 30.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921129 | [Redacted] | [Redacted] | Non QM | Yes | No | $750.00 | $3,682.24 | 6.947% | $2,102.17 | $2,102.17 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $10,682.52 | 1 | [redacted] | $927.00 | [redacted] | $77.25 | 47.439% | 47.439% | 47.439% | [Redacted] | 774 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $750.00 | 6.510% | $0.00 | 999.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 1 | 0 | 24 | 0.00 | No | [redacted] | $5,000.00 | 0.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.46 | No | No | $20,323.94 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921136 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,761.36 | $8,710.41 | 7.182% | $2,419.26 | $2,419.26 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $61,058.85 | 1 | [redacted] | $5,402.04 | [redacted] | $450.17 | 16.797% | 16.797% | 16.797% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,761.36 | 6.570% | $10,000.00 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $295,476.21 | 64.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.46 | No | No | $36,692.73 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/07/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921584 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,415.00 | $9,141.57 | 7.426% | $2,960.65 | $2,960.65 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,846.68 | 1 | [redacted] | $776.04 | [redacted] | $64.67 | 47.131% | 47.131% | 47.131% | [Redacted] | 798 | No | Yes | 12 | Personal | 73.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 12.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 12.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 12.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,415.00 | 6.570% | $0.00 | None | No | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $41,465.69 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921595 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,102.00 | $21,299.90 | 6.889% | $7,189.62 | $8,942.34 | 7.886% | No | No | Self-Employed | US Citizen | $63,473.26 | 1 | [redacted] | $6,872.76 | [redacted] | $572.73 | 17.078% | 14.788% | 17.078% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2002 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,102.00 | 6.130% | $0.00 | 1.5 | None | No | No | 7.886% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $638,955.25 | 41.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.78 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/25/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924529 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,418.80 | $10,247.91 | 7.446% | $1,398.38 | $1,398.38 | 6.990% | No | No | Non-Employment Income | US Citizen | $7,924.92 | 1 | [redacted] | $2,368.92 | [redacted] | $197.41 | 47.167% | 47.167% | 47.167% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - IRA Distribution]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $6,418.80 | 6.510% | $230.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,453,458.23 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1096.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924531 | [Redacted] | [Redacted] | N/A | No | No | $43,450.00 | $12,229.66 | 7.117% | $4,785.34 | $4,785.34 | 6.990% | No | No | Non-Employment Income | US Citizen | $15,499.67 | 3 | [redacted] | $756.96 | [redacted] | $63.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | No Ratio | 0 | 0 | 0 | [Redacted] | $43,450.00 | 6.510% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,774,774.00 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 317.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924633 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,553.00 | $4,456.76 | 6.974% | $2,069.33 | $2,069.33 | 6.875% | No | No | Non-Employment Income | US Citizen | $4,158.71 | 2 | [redacted] | $1,295.04 | [redacted] | $107.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,553.00 | 6.510% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $782,147.36 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 179.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924696 | [Redacted] | [Redacted] | N/A | No | No | $2,400.12 | $2,400.12 | 7.125% | No | No | US Citizen | 1 | [redacted] | $891.96 | [redacted] | $74.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | [redacted] | $193,641.73 | 40.760% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924991 | [Redacted] | [Redacted] | N/A | No | No | $1,819.37 | $1,819.37 | 6.990% | No | No | Foreign National | 1 | [redacted] | $722.16 | [redacted] | $60.18 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $341,863.38 | 93.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 102.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924992 | [Redacted] | [Redacted] | N/A | No | No | $2,887.76 | $2,887.76 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,351.08 | [redacted] | $112.59 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [redacted] | $316,985.00 | 53.720% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 29.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924994 | [Redacted] | [Redacted] | N/A | No | No | $745.07 | $745.07 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,191.00 | [redacted] | $99.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | [redacted] | $258,521.17 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 218.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924997 | [Redacted] | [Redacted] | N/A | No | No | $1,594.21 | $1,594.21 | 7.500% | No | No | US Citizen | 2 | [redacted] | $2,060.04 | [redacted] | $171.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $84,674.54 | 29.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.88 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925001 | [Redacted] | [Redacted] | N/A | No | No | $3,892.30 | $3,892.30 | 6.875% | No | No | US Citizen | 1 | [redacted] | $4,347.12 | [redacted] | $362.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $289,645.29 | 36.660% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925013 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $12,872.24 | 7.114% | $5,317.05 | $5,317.05 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,914.90 | 1 | [redacted] | $5,268.24 | [redacted] | $439.02 | 49.086% | 49.086% | 49.086% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 2.7 | None | Yes | No | 6.990% | 2 | 2 | 1 | 0 | 3 | 0 | No | [redacted] | $18,752.80 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.5 | No | $1,752.80 | $6,066.67 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925063 | [Redacted] | [Redacted] | N/A | No | No | $3,510.00 | $5,204.49 | 7.055% | $1,576.63 | $1,576.63 | 6.875% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | N/A | $14,208.29 | 1 | [redacted] | $1,565.52 | [redacted] | $130.46 | 29.040% | 29.040% | 29.040% | [Redacted] | 763 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Personal | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,510.00 | 6.600% | $0.00 | 2.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 128.36 | No | No | $20,022.92 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925081 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,630.00 | $6,236.51 | 6.942% | $3,941.57 | $3,941.57 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $5,390.02 | 1 | [redacted] | $1,244.04 | [redacted] | $103.67 | 48.170% | 48.170% | 48.170% | [Redacted] | 793 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,630.00 | 6.520% | $13,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $106,489.69 | 12.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 61.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925112 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,940.40 | $16,520.63 | 7.390% | $3,638.08 | $3,638.08 | 7.125% | No | No | Employed | US Citizen | $7,513.52 | 1 | [redacted] | $2,283.96 | [redacted] | $190.33 | 49.554% | 49.554% | 49.554% | [Redacted] | 728 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,940.40 | 6.490% | $0.00 | 3.0 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $643,737.58 | 95.360% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925113 | [Redacted] | [Redacted] | N/A | No | No | $15,510.44 | $5,234.66 | 6.929% | $1,530.69 | $1,530.69 | 6.750% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $11,453.85 | 4 | [redacted] | $2,261.04 | [redacted] | $188.42 | 34.566% | 34.566% | 34.566% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $15,510.44 | 6.490% | $0.00 | None | No | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $170,762.97 | 57.880% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 43.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925115 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,531.69 | $8,365.04 | 7.523% | $3,023.43 | $3,023.43 | 7.375% | No | No | Self-Employed | US Citizen | $81,875.94 | 1 | [redacted] | $2,895.96 | [redacted] | $241.33 | 4.724% | 4.724% | 4.724% | [Redacted] | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,531.69 | 6.490% | $0.00 | 3.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,000.00 | 0.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925116 | [Redacted] | [Redacted] | N/A | No | No | $1,799.99 | $1,799.99 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,904.64 | [redacted] | $158.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925159 | [Redacted] | [Redacted] | N/A | No | No | $1,057.66 | $1,057.66 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,469.52 | [redacted] | $122.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | No | 89.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925510 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,736.00 | $11,319.11 | 6.983% | $2,659.25 | $2,659.25 | 6.750% | No | No | Non-Employment Income | US Citizen | $6,960.11 | 1 | [redacted] | $995.04 | [redacted] | $82.92 | 38.031% | 38.031% | 38.031% | [Redacted] | 810 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,736.00 | 6.490% | $300.00 | 1.1 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $889,554.50 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 223.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925519 | [Redacted] | [Redacted] | N/A | No | No | $848.82 | $848.82 | 7.625% | No | No | US Citizen | 1 | [redacted] | $587.04 | [redacted] | $48.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $70,406.79 | 44.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925621 | [Redacted] | [Redacted] | N/A | No | No | $3,731.05 | $3,731.05 | 8.125% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,325.88 | [redacted] | $110.49 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.1 | [redacted] | $1,382,284.70 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 174.53 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | AE | $2,850,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225926442 | [Redacted] | [Redacted] | N/A | No | No | $1,161.44 | $1,161.44 | 6.990% | No | No | 0 | Permanent Resident Alien | N/A | 1 | [redacted] | $441.00 | [redacted] | $36.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $323,220.01 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 167.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225927484 | [Redacted] | [Redacted] | N/A | No | No | $4,930.47 | $4,930.47 | 7.875% | No | No | US Citizen | 2 | [redacted] | $4,872.96 | [redacted] | $406.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $181,473.48 | 21.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225929251 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,078.61 | $6,106.79 | 7.952% | $1,242.18 | $1,242.18 | 7.625% | No | No | Employed | US Citizen | $5,148.48 | 1 | [redacted] | $1,701.84 | [redacted] | $141.82 | 32.063% | 32.063% | 32.063% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,078.61 | 6.520% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930067 | [Redacted] | [Redacted] | N/A | No | No | $1,036.91 | $1,036.91 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,588.92 | [redacted] | $132.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $130,248.30 | 68.550% | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Individual | Yes | Guarantor - Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930090 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $6,618.25 | 6.946% | $4,092.67 | $4,092.67 | 6.875% | No | No | Self-Employed | US Citizen | $14,196.71 | 1 | [redacted] | $1,533.24 | [redacted] | $127.77 | 27.912% | 27.912% | 27.912% | [Redacted] | 782 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $324,085.60 | 36.410% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930093 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,174.30 | $5,755.36 | 10.569% | $1,605.95 | $1,605.95 | 10.250% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $3,725.06 | 1 | [redacted] | $1,422.96 | [redacted] | $118.58 | 34.102% | 34.102% | 34.102% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,174.30 | 6.570% | $11,947.68 | 1.0 | None | No | No | 10.250% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $40,959.82 | 20.560% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | 7.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930095 | [Redacted] | [Redacted] | N/A | No | No | $22,362.81 | $4,595.19 | 6.830% | $2,553.86 | $2,553.86 | 6.750% | No | No | Self-Employed | US Citizen | $19,939.33 | 2 | [redacted] | $1,545.00 | [redacted] | $128.75 | 27.656% | 27.656% | 27.656% | [Redacted] | 792 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2025 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $22,362.81 | 6.260% | $0.00 | None | No | No | 6.750% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $239,255.74 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.01 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930442 | [Redacted] | [Redacted] | N/A | No | No | $5,591.00 | $7,847.97 | 7.561% | $1,575.83 | $1,575.83 | 7.250% | No | No | Employed | US Citizen | $6,217.75 | 1 | [redacted] | $2,255.76 | [redacted] | $187.98 | 29.664% | 29.664% | 29.664% | [Redacted] | 816 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,591.00 | 6.490% | $6,160.00 | 1.0 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $102,462.86 | 33.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.85 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/15/2027 | $37,361,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225936957 | [Redacted] | [Redacted] | N/A | No | No | $2,096.95 | $2,096.95 | 7.125% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | 1 | [redacted] | $1,305.96 | [redacted] | $108.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | 731 | 720 | 737 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | [redacted] | $298,679.84 | 71.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | A | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937636 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,695.68 | 7.635% | $6,676.80 | $7,104.15 | 7.886% | No | No | Non-Employment Income | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $12,556.30 | 1 | [redacted] | $401.52 | [redacted] | $33.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.240% | $0.00 | 1.4 | None | No | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $150,875.20 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | Yes | 134.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937727 | [Redacted] | [Redacted] | N/A | No | No | $4,109.68 | $4,109.68 | 7.125% | No | No | US Citizen | 2 | [redacted] | $4,194.96 | [redacted] | $349.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $750,945.79 | 83.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 81.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225938497 | [Redacted] | [Redacted] | N/A | No | No | $7,115.63 | $7,115.63 | 8.250% | No | No | 0 | US Citizen | 4 | [redacted] | $9,281.16 | [redacted] | $773.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.27 | 240 | [redacted] | $4,980.00 | 0.360% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225939190 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,713.75 | $14,486.47 | 6.839% | $7,053.50 | $7,053.50 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,896.06 | 1 | [redacted] | $1,805.04 | [redacted] | $150.42 | 41.959% | 41.959% | 41.959% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,713.75 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $471,096.73 | 32.480% | No | 17 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.57 | No | $0.00 | $9,999.99 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225945285 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,361.61 | $0.00 | 7.460% | $2,359.50 | $2,359.50 | 7.500% | No | No | Self-Employed | US Citizen | $3,596.23 | 1 | [redacted] | $1,047.96 | [redacted] | $87.33 | 42.557% | 42.557% | 42.557% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,361.61 | 6.490% | $12,000.00 | 1.0 | None | No | No | 7.500% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $70,718.26 | 17.810% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225954881 | [Redacted] | [Redacted] | N/A | No | No | $2,097.69 | $2,097.69 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,154.04 | [redacted] | $96.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.13 | [redacted] | $161,463.59 | 39.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956296 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,125.00 | $7,387.77 | 7.305% | $5,014.00 | $5,014.00 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $15,720.05 | 1 | [redacted] | $1,383.96 | [redacted] | $115.33 | 47.946% | 47.946% | 47.946% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,125.00 | 6.570% | $5,000.00 | LP / LPA | Accept/Eligible | No | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $904,289.18 | 89.970% | No | 30 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.63 | No | No | $0.00 | $19,166.66 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956301 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,804.25 | $9,314.02 | 8.381% | $1,341.38 | $1,341.38 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $4,955.87 | 1 | [redacted] | $2,400.96 | [redacted] | $200.08 | 25.120% | 25.120% | 25.120% | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $7,804.25 | 6.570% | $62,000.00 | 1.0 | None | No | No | 7.875% | 0 | 2 | 0 | 3 | 3 | 5.00 | No | [redacted] | $32,904.62 | 13.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Passport | 15.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956307 | [Redacted] | [Redacted] | N/A | No | No | $1,509.32 | $1,509.32 | 7.250% | No | No | US Citizen | 3 | [redacted] | $960.96 | [redacted] | $80.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | [redacted] | $101,168.79 | 34.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956384 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,590.00 | $20,435.87 | 7.214% | $5,317.05 | $5,317.05 | 6.990% | No | No | Not Employed | Not Employed | Non-Employment Income | Employed | 0 | 19.63 | US Citizen | US Citizen | US Citizen | $14,389.87 | 1 | [redacted] | $5,992.68 | [redacted] | $499.39 | 43.035% | 43.035% | 43.035% | [Redacted] | 716 | 703 | 716 | 731 | 802 | 819 | 797 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $15,590.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,291,509.88 | No | 26 | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 270.17 | No | No | $16,425.65 | $5,591.74 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956393 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,815.00 | $11,445.67 | 7.786% | $3,746.91 | $3,937.68 | 7.886% | No | No | Self-Employed | US Citizen | $13,156.50 | 1 | [redacted] | $2,126.76 | [redacted] | $177.23 | 30.967% | 29.966% | 30.967% | [Redacted] | 658 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,815.00 | 6.160% | $150,000.00 | 1.1 | None | Yes | No | 7.886% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 1.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225957346 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,623.40 | $4,679.18 | 7.498% | $7,543.13 | $7,543.13 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $54,793.23 | 1 | [redacted] | $2,278.92 | [redacted] | $189.91 | 27.312% | 27.312% | 27.312% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,623.40 | 6.520% | $14,293.60 | 1.5 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $174,525.94 | 14.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 15.19 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AO | 07/06/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225957529 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,390.00 | $4,882.60 | 7.055% | $3,190.23 | $3,190.23 | 6.990% | No | No | Non-Employment Income | US Citizen | $11,470.86 | 1 | [redacted] | $3,147.00 | [redacted] | $262.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,390.00 | 6.490% | $0.00 | 3.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,439,371.87 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 241.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225957922 | [Redacted] | [Redacted] | N/A | No | No | $55,927.50 | $22,271.23 | 7.800% | $5,423.43 | $5,829.58 | 7.862% | No | No | Not Employed | Self-Employed | US Citizen | $187,854.65 | 2 | [redacted] | $3,815.64 | [redacted] | $317.97 | 22.185% | 22.435% | 22.185% | [Redacted] | 725 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $55,927.50 | 6.240% | $0.00 | None | No | No | 7.862% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $244,746.57 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.21 | No | No | $241,412.50 | $0.00 | No | No | No | No | 12 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225957923 | [Redacted] | [Redacted] | N/A | No | No | $3,673.78 | $3,673.78 | 6.625% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $2,859.72 | [redacted] | $238.31 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.4 | 0.41 | [redacted] | $23,990.00 | 3.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 6.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225959354 | [Redacted] | [Redacted] | N/A | No | No | $1,637.22 | $1,637.22 | 7.250% | No | No | US Citizen | 1 | [redacted] | $339.96 | [redacted] | $28.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $142,098.11 | 47.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225959529 | [Redacted] | [Redacted] | N/A | No | No | $906.74 | $906.74 | 6.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $476.04 | [redacted] | $39.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 103.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225959586 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $7,474.88 | 6.966% | $1,248.61 | $1,248.61 | 6.625% | No | No | Employed | US Citizen | $6,946.57 | 1 | [redacted] | $1,335.00 | [redacted] | $111.25 | 41.707% | 41.707% | 41.707% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $50,418.79 | 19.390% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.68 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225960407 | [Redacted] | [Redacted] | N/A | No | No | $1,264.59 | $1,264.59 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $653.40 | [redacted] | $54.45 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $152,144.50 | 55.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 9.64 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225960408 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $13,351.08 | 6.748% | $5,436.24 | $5,436.24 | 6.625% | No | No | Employed | US Citizen | $20,502.10 | 1 | [redacted] | $5,709.96 | [redacted] | $475.83 | 38.494% | 38.494% | 38.494% | [Redacted] | 700 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $0.00 | 2.2 | DU | ApproveEligible | No | No | 6.625% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $679,752.62 | 59.360% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.06 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961015 | [Redacted] | [Redacted] | N/A | No | No | $16,411.90 | $3,060.74 | 7.050% | $1,970.22 | $1,970.22 | 6.990% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $6,345.12 | 1 | [redacted] | $895.56 | [redacted] | $74.63 | 34.464% | 34.464% | 34.464% | [Redacted] | 810 | Yes | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,411.90 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 | 5.97 | No | Other | [redacted] | $690,633.33 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 194.09 | No | No | $4,119.23 | $0.00 | No | No | No | No | 1 | 360 | VE | 02/01/2027 | $55,487,429.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961121 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $4,640.31 | 7.033% | $3,465.88 | $4,609.46 | 6.990% | No | No | Non-Employment Income | US Citizen | $22,133.48 | 1 | [redacted] | $1,541.04 | [redacted] | $128.42 | 40.726% | 37.663% | 40.726% | [Redacted] | 749 | No | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.490% | $0.00 | 3.8 | None | Yes | No | 6.990% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | [redacted] | $47,891.88 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961128 | [Redacted] | [Redacted] | N/A | No | No | $45,113.75 | $11,045.79 | 7.428% | $3,581.43 | $3,581.43 | 7.250% | No | No | Not Employed | Self-Employed | Self-Employed | 4.31 | US Citizen | US Citizen | $34,087.66 | 4 | [redacted] | $2,319.96 | [redacted] | $193.33 | 22.275% | 22.275% | 22.275% | [Redacted] | 802 | 802 | 810 | 795 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 70.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $45,113.75 | 6.220% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.06 | No | No | $43,856.46 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961870 | [Redacted] | [Redacted] | N/A | No | No | $1,637.22 | $1,637.22 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,344.96 | [redacted] | $112.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $80,297.54 | 26.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961871 | [Redacted] | [Redacted] | N/A | No | No | $4,017.95 | $4,017.95 | 6.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $11,399.04 | [redacted] | $949.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.54 | [redacted] | $1,579,401.98 | 77.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 257.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961882 | [Redacted] | [Redacted] | N/A | No | No | $1,814.59 | $1,814.59 | 7.250% | No | No | 0 | US Citizen | N/A | 1 | [redacted] | $1,257.00 | [redacted] | $104.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961887 | [Redacted] | [Redacted] | N/A | No | No | $754.56 | $754.56 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,215.84 | [redacted] | $101.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.7 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | $217,671.94 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 225.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961889 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,919.28 | $1,522.05 | 7.005% | $2,090.26 | $2,090.26 | 6.990% | No | No | Self-Employed | US Citizen | $6,439.94 | 1 | [redacted] | $3,586.80 | [redacted] | $298.90 | 44.697% | 44.697% | 44.697% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $4,919.28 | 6.570% | $41,100.00 | 2.6 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $40,518.05 | 10.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961905 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,569.00 | $24,570.12 | 8.136% | $11,006.47 | $11,006.47 | 8.000% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $85,482.82 | 1 | [redacted] | $14,351.04 | [redacted] | $1,195.92 | 23.632% | 23.632% | 23.632% | [Redacted] | 661 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $17,569.00 | 6.520% | $0.00 | 2.8 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $11,412,785.78 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 688.11 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 07/10/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964409 | [Redacted] | [Redacted] | N/A | No | No | $11,783.75 | $6,278.86 | 7.315% | $886.85 | $886.85 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $39,964.12 | 1 | [redacted] | $983.52 | [redacted] | $81.96 | 21.197% | 21.197% | 21.197% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,783.75 | 6.600% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $249,772.28 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.08 | No | No | $50,714.14 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965011 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,185.60 | $600.00 | 6.976% | $2,738.28 | $2,738.28 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Ukraine | $25,628.14 | 1 | [redacted] | $1,314.96 | [redacted] | $109.58 | 11.360% | 11.360% | 11.360% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,185.60 | 6.570% | $33,448.96 | 1.6 | None | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $21,303.47 | 4.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965209 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,670.00 | $7,554.78 | 9.244% | $2,186.62 | $2,186.62 | 8.990% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $39,743.64 | 1 | [redacted] | $1,615.80 | [redacted] | $134.65 | 15.669% | 15.669% | 15.669% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,670.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $81,098.13 | 25.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.81 | No | No | $0.00 | $0.00 | Yes | Yes | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965873 | [Redacted] | [Redacted] | N/A | No | No | $2,796.92 | $2,796.92 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,772.40 | [redacted] | $147.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 625 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $526,359.08 | 61.200% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965874 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $6,556.88 | 7.522% | $7,488.59 | $7,488.59 | 7.500% | No | No | Self-Employed | US Citizen | $23,475.91 | 1 | [redacted] | $11,203.32 | [redacted] | $933.61 | 35.983% | 35.983% | 35.983% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.520% | $0.00 | 1.9 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $243,130.40 | 19.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/13/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965875 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,315.00 | $7,190.75 | 7.492% | $1,841.88 | $1,841.88 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $174,986.11 | 1 | [redacted] | $2,727.00 | [redacted] | $227.25 | 2.938% | 2.938% | 2.938% | [Redacted] | 740 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,315.00 | 6.490% | $0.00 | 1.7 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965880 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,602.60 | $3,899.25 | 7.121% | $1,621.70 | $1,621.70 | 6.990% | No | No | Non-Employment Income | US Citizen | $6,103.56 | 1 | [redacted] | $597.96 | [redacted] | $49.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,602.60 | 6.570% | $300.00 | 2.2 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $597,546.11 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965883 | [Redacted] | [Redacted] | N/A | No | No | $1,187.96 | $1,187.96 | 7.375% | No | No | US Citizen | 1 | [redacted] | $971.88 | [redacted] | $80.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | $51,554.70 | 23.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965962 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,118.00 | $11,678.96 | 7.591% | $6,712.46 | $6,712.46 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $46,975.93 | 1 | [redacted] | $2,760.48 | [redacted] | $230.04 | 31.368% | 31.368% | 31.368% | [Redacted] | 723 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,118.00 | 6.490% | $2,500.00 | 3.8 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 1 | 12 | 0.00 | No | [redacted] | $515,903.45 | 42.990% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966026 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,102.81 | $1,623.37 | 7.502% | $3,476.84 | $3,476.84 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,097.31 | 1 | [redacted] | $893.88 | [redacted] | $74.49 | 32.844% | 32.844% | 32.844% | [Redacted] | 804 | No | Yes | 24 | Business | 88.000% | 50.000% | 50.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,102.81 | 6.520% | $14,625.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $30,503.29 | 5.210% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.2 | No | $5,290.25 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966027 | [Redacted] | [Redacted] | N/A | No | No | $5,183.75 | $6,461.70 | 7.956% | $977.15 | $977.15 | 7.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $11,111.95 | 1 | [redacted] | $850.08 | [redacted] | $70.84 | 30.016% | 30.016% | 30.016% | [Redacted] | 686 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $5,183.75 | 6.490% | $4,005.00 | 999.0 | DU | ApproveIneligible | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $164,787.49 | 76.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.1 | No | No | $0.00 | $6,410.58 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966028 | [Redacted] | [Redacted] | N/A | No | No | $21,840.01 | $6,500.39 | 7.152% | $2,243.13 | $2,243.13 | 6.990% | No | No | Self-Employed | US Citizen | $27,879.88 | 1 | [redacted] | $4,779.00 | [redacted] | $398.25 | 49.495% | 49.495% | 49.495% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.80000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,840.01 | 6.320% | $0.00 | 2.2 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.73 | No | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966030 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $4,291.20 | 6.914% | $4,138.65 | $4,138.65 | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $40,547.05 | 1 | [redacted] | $3,155.04 | [redacted] | $262.92 | 20.435% | 20.435% | 20.435% | [Redacted] | 776 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $0.00 | 2.7 | DU | ApproveEligible | No | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $723,857.40 | 86.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 101.16 | No | $0.00 | $50,960.71 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966031 | [Redacted] | [Redacted] | N/A | No | No | $2,499.50 | $2,499.50 | 7.125% | No | No | Permanent Resident Alien | Permanent Resident Alien | 1 | [redacted] | $3,197.40 | [redacted] | $266.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $28,230.03 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 135.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966034 | [Redacted] | [Redacted] | N/A | No | No | $1,662.18 | $1,662.18 | 8.250% | No | No | US Citizen | 1 | [redacted] | $2,441.04 | [redacted] | $203.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 678 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $214,911.80 | 72.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966051 | [Redacted] | [Redacted] | N/A | No | No | $1,675.17 | $1,675.17 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,136.64 | [redacted] | $94.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $599,949.60 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 217.88 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966059 | [Redacted] | [Redacted] | N/A | No | No | $2,289.30 | $2,289.30 | 8.750% | No | No | US Citizen | 1 | [redacted] | $2,112.60 | [redacted] | $176.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 687 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966061 | [Redacted] | [Redacted] | N/A | No | No | $1,616.92 | $1,616.92 | 7.125% | No | No | US Citizen | 1 | [redacted] | $2,329.92 | [redacted] | $194.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $21,867.92 | 7.280% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966128 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $918.41 | 7.116% | $2,964.36 | $2,964.36 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $6,017.51 | 1 | [redacted] | $1,296.00 | [redacted] | $108.00 | 45.179% | 45.179% | 45.179% | [Redacted] | 761 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2026 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.420% | $14,000.00 | 1.0 | None | Yes | No | 7.125% | 2 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $180,548.04 | 32.820% | No | 28 | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.13 | No | No | $0.00 | $4,369.04 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966292 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,232.15 | 7.273% | $6,779.13 | $6,779.13 | 7.250% | No | No | Non-Employment Income | US Citizen | $12,193.94 | 1 | [redacted] | $2,986.80 | [redacted] | $248.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.520% | $0.00 | 1.9 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $361,366.87 | 27.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966328 | [Redacted] | [Redacted] | N/A | No | No | $1,381.51 | $1,381.51 | 6.750% | No | No | US Citizen | 1 | [redacted] | $1,131.00 | [redacted] | $94.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $47,920.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966490 | [Redacted] | [Redacted] | N/A | No | No | $616.71 | $616.71 | 7.500% | No | No | 0 | US Citizen | 1 | [redacted] | $771.96 | [redacted] | $64.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $4,597.95 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966787 | [Redacted] | [Redacted] | N/A | No | No | $2,128.28 | $2,128.28 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,510.08 | [redacted] | $125.84 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $26,098.80 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973231 | [Redacted] | [Redacted] | N/A | No | No | $4,846.49 | $4,846.49 | 6.875% | No | No | 0 | US Citizen | N/A | 3 | [redacted] | $5,424.84 | [redacted] | $452.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.55 | [redacted] | $174,924.55 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973520 | [Redacted] | [Redacted] | N/A | No | No | $726.36 | $726.36 | 7.125% | No | No | 0 | 0 | US Citizen | N/A | 1 | [redacted] | $1,140.96 | [redacted] | $95.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | 779 | 818 | 798 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $308,339.16 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 538.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973704 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,475.00 | $19,395.00 | 6.440% | $2,552.08 | $3,618.31 | 6.125% | No | No | Non-Employment Income | US Citizen | $14,584.51 | 1 | [redacted] | $1,097.64 | [redacted] | $91.47 | 26.762% | 21.408% | 26.762% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $16,475.00 | 6.490% | $14,416.00 | 4.3 | None | No | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,926,685.82 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 371.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973765 | [Redacted] | [Redacted] | N/A | No | No | $726.36 | $726.36 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,143.96 | [redacted] | $95.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | 779 | 818 | 798 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.65 | [redacted] | $308,339.16 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 347.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974037 | [Redacted] | [Redacted] | N/A | No | No | $1,251.49 | $1,251.49 | 6.500% | No | No | US Citizen | 1 | [redacted] | $1,014.36 | [redacted] | $84.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $49,356.28 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974054 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,024.38 | $16,060.64 | 8.239% | $4,548.68 | $4,548.68 | 7.990% | No | No | Self-Employed | US Citizen | $14,828.30 | 1 | [redacted] | $1,701.60 | [redacted] | $141.80 | 33.057% | 33.057% | 33.057% | [Redacted] | 716 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,024.38 | 6.490% | $0.00 | 1.2 | None | Yes | No | 7.990% | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [redacted] | $92,800.50 | 12.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974058 | [Redacted] | [Redacted] | N/A | No | No | $726.36 | $726.36 | 7.125% | No | No | 0 | US Citizen | 1 | [redacted] | $1,088.04 | [redacted] | $90.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $308,339.16 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 416.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974071 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,427.97 | 7.981% | $1,798.17 | $1,798.17 | 7.875% | No | No | Employed | US Citizen | $8,284.99 | 1 | [redacted] | $1,052.04 | [redacted] | $87.67 | 35.655% | 35.655% | 35.655% | [Redacted] | 719 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 10 | 0 | [Redacted] | $1,690.00 | 6.490% | $2,500.00 | 2.7 | None | Yes | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $770,310.41 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 293.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974085 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,442.00 | $4,612.49 | 10.120% | $1,597.76 | $1,597.76 | 9.875% | No | No | Self-Employed | US Citizen | $9,266.64 | 1 | [redacted] | $1,935.96 | [redacted] | $161.33 | 19.009% | 19.009% | 19.009% | [Redacted] | 733 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,442.00 | 6.490% | $5,000.00 | 4.2 | None | No | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $76,174.03 | 33.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974086 | [Redacted] | [Redacted] | N/A | No | No | $28,246.88 | $17,173.74 | 8.977% | $3,820.89 | $3,820.89 | 8.625% | No | No | Not Employed | Self-Employed | US Citizen | $20,561.32 | 1 | [redacted] | $2,243.04 | [redacted] | $186.92 | 48.257% | 48.257% | 48.257% | [Redacted] | 682 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $28,246.88 | 6.320% | $0.00 | 1.0 | None | No | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $66,490.03 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.28 | No | No | $39,737.41 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974090 | [Redacted] | [Redacted] | N/A | No | No | $951.65 | $951.65 | 7.875% | No | No | 0 | US Citizen | 1 | [redacted] | $1,737.96 | [redacted] | $144.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974166 | [Redacted] | [Redacted] | N/A | No | No | $2,408.13 | $2,408.13 | 6.375% | No | No | US Citizen | 2 | [redacted] | $2,091.96 | [redacted] | $174.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $293,028.79 | 45.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974172 | [Redacted] | [Redacted] | N/A | No | No | $1,818.48 | $1,818.48 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,530.00 | [redacted] | $127.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $978,111.98 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 390.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974234 | [Redacted] | [Redacted] | N/A | No | No | $697.66 | $697.66 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,587.96 | [redacted] | $132.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $95,494.92 | 63.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 50.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974369 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,814.75 | $10,120.38 | 7.048% | $9,171.19 | $9,171.19 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $17,926.98 | 1 | [redacted] | $4,157.64 | [redacted] | $346.47 | 41.412% | 41.412% | 41.412% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,814.75 | 6.520% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $126,147.48 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.91 | No | $0.00 | $13,524.88 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225976189 | [Redacted] | [Redacted] | N/A | No | No | $2,300.33 | $2,300.33 | 7.625% | No | No | US Citizen | 2 | [redacted] | $1,838.52 | [redacted] | $153.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 637 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.76 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978296 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,040.63 | $135.47 | 7.350% | $1,731.87 | $1,731.87 | 7.375% | No | No | Employed | Non-Permanent Resident Alien | Italy | $9,334.46 | 1 | [redacted] | $957.00 | [redacted] | $79.75 | 32.864% | 32.864% | 32.864% | [Redacted] | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,040.63 | 6.490% | $17,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $8,055.45 | 2.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 19.33 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978365 | [Redacted] | [Redacted] | N/A | No | No | $1,328.43 | $1,328.43 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,160.28 | [redacted] | $96.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $85,826.23 | 32.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978414 | [Redacted] | [Redacted] | N/A | No | No | $8,310.00 | $10,225.83 | 9.315% | $2,540.33 | $2,540.33 | 8.990% | No | No | Not Employed | Employed | US Citizen | $8,236.83 | 1 | [redacted] | $2,600.52 | [redacted] | $216.71 | 49.439% | 49.439% | 49.439% | [Redacted] | 656 | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - C-Corp]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; 1120 - 2025 [Coborrower(s) - | Non-Primary Income - C-Corp]; 1120 - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,310.00 | 6.510% | $0.00 | 2.6 | None | No | No | 8.990% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $271,538.03 | 68.740% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.57 | No | No | $2,741.96 | $13,549.02 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978453 | [Redacted] | [Redacted] | N/A | No | No | $6,829.08 | $6,829.08 | 6.990% | No | No | US Citizen | 1 | [redacted] | $18,140.16 | [redacted] | $1,511.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.4 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225979532 | [Redacted] | [Redacted] | N/A | No | No | $1,455.23 | $1,455.23 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,187.04 | [redacted] | $98.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.7 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $413,076.23 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 196.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225985192 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,060.00 | $15,183.10 | 8.290% | $5,880.58 | $5,880.58 | 8.125% | No | No | Self-Employed | US Citizen | $50,451.43 | 1 | [redacted] | $1,251.96 | [redacted] | $104.33 | 24.245% | 24.245% | 24.245% | [Redacted] | 705 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,060.00 | 6.520% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $115,940.26 | 13.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225985231 | [Redacted] | [Redacted] | N/A | No | No | $1,609.48 | $1,609.48 | 6.875% | No | No | US Citizen | 1 | [redacted] | $825.00 | [redacted] | $68.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $157,099.80 | 44.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986235 | [Redacted] | [Redacted] | N/A | No | No | $5,490.00 | $7,859.39 | 7.217% | $4,574.55 | $4,574.55 | 7.125% | No | No | Self-Employed | US Citizen | $21,464.44 | 1 | [redacted] | $913.32 | [redacted] | $76.11 | 45.419% | 45.419% | 45.419% | [Redacted] | 779 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $5,490.00 | 6.490% | $0.00 | 1.3 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 24.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.3 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986252 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,135.00 | $6,553.60 | 6.607% | $2,983.36 | $2,983.36 | 6.500% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $9,275.19 | 1 | [redacted] | $2,088.00 | [redacted] | $174.00 | 38.848% | 38.848% | 38.848% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,135.00 | 6.490% | $0.00 | 1.3 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $52,633.51 | 8.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 26.76 | No | $7,583.65 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986253 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,470.00 | $11,882.94 | 7.573% | $3,674.39 | $3,674.39 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $6,195.96 | 1 | [redacted] | $1,262.52 | [redacted] | $105.21 | 49.989% | 49.989% | 49.989% | [Redacted] | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,470.00 | 6.510% | $15,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $117,924.90 | 17.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 6.5 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986254 | [Redacted] | [Redacted] | N/A | No | No | $1,274.24 | $1,274.24 | 6.500% | No | No | US Citizen | 1 | [redacted] | $1,010.52 | [redacted] | $84.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $132,038.41 | 52.390% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986268 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,807.95 | $3,972.66 | 9.014% | $1,962.06 | $1,962.06 | 8.875% | No | No | Self-Employed | US Citizen | $6,636.96 | 1 | [redacted] | $2,026.68 | [redacted] | $168.89 | 26.145% | 26.145% | 26.145% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,807.95 | 6.570% | $8,220.00 | 2.1 | None | N/A | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,064.04 | 18.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225987099 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,365.00 | $3,471.69 | 7.076% | $1,993.89 | $1,993.89 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $4,161.69 | 1 | [redacted] | $2,196.00 | [redacted] | $183.00 | 49.931% | 49.931% | 49.931% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,365.00 | 6.490% | $10,000.00 | 2.9 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $16,339.01 | 4.350% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.28 | No | $0.00 | $5,899.35 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225987114 | [Redacted] | [Redacted] | N/A | No | No | $1,319.52 | $1,319.52 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,107.96 | [redacted] | $92.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [redacted] | $65,260.13 | 29.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225988667 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,290.00 | $4,100.70 | 7.132% | $1,595.11 | $1,595.11 | 6.990% | No | No | Non-Employment Income | US Citizen | $6,992.70 | 1 | [redacted] | $4,179.00 | [redacted] | $348.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,290.00 | 6.490% | $15,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $728,471.93 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 235.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225990004 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,740.00 | $5,895.48 | 7.062% | $3,495.00 | $4,648.19 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $9,552.63 | 1 | [redacted] | $1,726.80 | [redacted] | $143.90 | 48.691% | 42.497% | 48.691% | [Redacted] | 787 | No | Yes | 24 | Business | 68.000% | 33.330% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,740.00 | 6.490% | $18,750.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $191,514.95 | 25.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.16 | No | $0.00 | $6,000.02 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994010 | [Redacted] | [Redacted] | Non QM | Yes | No | $39,395.63 | $42,263.43 | 8.793% | $8,037.76 | $8,037.76 | 8.375% | No | No | Non-Employment Income | US Citizen | $14,364.09 | 1 | [redacted] | $3,675.00 | [redacted] | $306.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $39,395.63 | 6.240% | $1,000.00 | 1.5 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,677,215.73 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 167.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994097 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,425.25 | $7,095.75 | 7.263% | $1,628.35 | $1,628.35 | 6.990% | No | No | Self-Employed | US Citizen | $3,266.47 | 1 | [redacted] | $2,291.52 | [redacted] | $190.96 | 41.882% | 41.882% | 41.882% | [Redacted] | 702 | No | No | Audited | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 6 | 1 | 1 | [Redacted] | $3,425.25 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 2 | 0 | 2 | 2 | 3.00 | No | [redacted] | $13,437.30 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994139 | [Redacted] | [Redacted] | N/A | No | No | $916.33 | $916.33 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,374.00 | [redacted] | $114.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994217 | [Redacted] | [Redacted] | N/A | No | No | $1,122.18 | $1,122.18 | 7.250% | No | No | US Citizen | 1 | [redacted] | $933.00 | [redacted] | $77.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994444 | [Redacted] | [Redacted] | N/A | No | No | $1,318.20 | $1,318.20 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,124.04 | [redacted] | $93.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [redacted] | $45,860.70 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994463 | [Redacted] | [Redacted] | N/A | No | No | $775.76 | $775.76 | 6.990% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,555.80 | [redacted] | $129.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | 669 | 655 | 644 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | [redacted] | $5,000.00 | 3.420% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994481 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,846.88 | $7,216.86 | 7.939% | $2,417.89 | $2,417.89 | 7.750% | Yes | No | Self-Employed | US Citizen | $16,886.04 | 1 | [redacted] | $642.36 | [redacted] | $53.53 | 19.338% | 19.338% | 19.338% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,846.88 | 6.490% | $0.00 | 1.5 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $31,449.39 | 8.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994504 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,694.20 | 7.165% | $1,530.31 | $1,530.31 | 6.990% | No | No | Employed | US Citizen | $7,313.80 | 1 | [redacted] | $1,637.04 | [redacted] | $136.42 | 22.285% | 22.285% | 22.285% | [Redacted] | 732 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $114,256.93 | 37.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Not Applicable | FICO 8 | FICO Risk Score Classic 04 | 14.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225997804 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,538.00 | $4,294.51 | 7.206% | $1,228.24 | $1,228.24 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $7,926.86 | 1 | [redacted] | $1,434.48 | [redacted] | $119.54 | 49.175% | 49.175% | 49.175% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $3,538.00 | 6.490% | $1,000.00 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $556,608.20 | 100.000% | No | 28 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 237.91 | No | No | $0.00 | $5,307.47 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998066 | [Redacted] | [Redacted] | N/A | No | No | $3,843.83 | $3,843.83 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,234.16 | [redacted] | $186.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | 718 | 701 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.64 | [redacted] | $342,412.46 | 39.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 12.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998073 | [Redacted] | [Redacted] | N/A | No | No | $9,288.40 | $5,471.05 | 7.945% | $689.89 | $689.89 | 7.125% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | Not Provided | $6,762.75 | 1 | [redacted] | $975.48 | [redacted] | $81.29 | 48.551% | 49.527% | 48.822% | [Redacted] | 727 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,288.40 | 6.230% | $2,415.00 | 1.0 | None | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $74,608.31 | 58.280% | No | 30 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.43 | No | No | $0.00 | $13,144.43 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998511 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | US Citizen | 1 | [redacted] | $498.00 | [redacted] | $41.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.13 | [redacted] | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998860 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,043.75 | $8,446.73 | 7.087% | $4,885.04 | $4,885.04 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $15,106.62 | 1 | [redacted] | $3,246.72 | [redacted] | $270.56 | 29.216% | 29.216% | 29.216% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,043.75 | 6.530% | $6,000.00 | 1.7 | None | N/A | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $502,139.28 | 43.660% | No | 6 | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.63 | No | $0.00 | $7,684.94 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999029 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,390.00 | $9,139.41 | 7.795% | $2,080.16 | $2,080.16 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $10,162.49 | 1 | [redacted] | $1,156.68 | [redacted] | $96.39 | 40.926% | 40.926% | 40.926% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,390.00 | 6.490% | $10,000.00 | 999.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $67,469.49 | 19.270% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | VISA | 24.52 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999032 | [Redacted] | [Redacted] | N/A | No | No | $656.93 | $656.93 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,032.96 | [redacted] | $86.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 4.55 | 0.21 | [redacted] | $18,322.86 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999038 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,848.13 | $5,221.01 | 7.325% | $3,702.17 | $3,702.17 | 7.250% | No | No | Self-Employed | US Citizen | $20,922.11 | 1 | [redacted] | $911.04 | [redacted] | $75.92 | 29.632% | 29.632% | 29.632% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,848.13 | 6.520% | $18,000.00 | 1.9 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 1.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999039 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,559.80 | $9,313.30 | 7.067% | $1,299.83 | $1,299.83 | 6.625% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $5,697.48 | 1 | [redacted] | $2,268.00 | [redacted] | $189.00 | 41.187% | 41.187% | 41.187% | 667 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,559.80 | 6.600% | $0.00 | 1.3 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $330,071.97 | 65.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.33 | No | $5,063.42 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999041 | [Redacted] | [Redacted] | N/A | No | No | $1,610.10 | $1,610.10 | 6.250% | No | No | US Citizen | 2 | [redacted] | $1,794.48 | [redacted] | $149.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $63,433.50 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999048 | [Redacted] | [Redacted] | N/A | No | No | $1,279.08 | $1,279.08 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,202.04 | [redacted] | $100.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [redacted] | $93,027.95 | 37.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999052 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,563.75 | $9,155.83 | 7.433% | $8,201.77 | $8,201.77 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $16,539.49 | 1 | [redacted] | $3,687.96 | [redacted] | $307.33 | 46.306% | 46.306% | 46.306% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,563.75 | 6.420% | $0.00 | 2.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.37 | No | No | $15,401.47 | $0.00 | No | No | No | No | 2 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999061 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,490.00 | $7,912.54 | 6.855% | $4,151.03 | $4,151.03 | 6.750% | No | No | Employed | US Citizen | $14,662.01 | 1 | [redacted] | $4,358.52 | [redacted] | $363.21 | 28.439% | 28.439% | 28.439% | [Redacted] | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,490.00 | 6.530% | $0.00 | 2.2 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $3,201,215.34 | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 521.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999066 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,593.50 | $15,887.38 | 7.922% | $3,730.07 | $3,730.07 | 7.625% | No | No | Self-Employed | US Citizen | $18,444.59 | 1 | [redacted] | $3,129.96 | [redacted] | $260.83 | 23.027% | 23.027% | 23.027% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,593.50 | 6.490% | $500.00 | 3.9 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $23,165.60 | 3.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999679 | [Redacted] | [Redacted] | N/A | No | No | $8,163.28 | $8,163.28 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $14,962.80 | [redacted] | $1,246.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.3 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.98 | 0.5 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | $520,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999764 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $11,147.68 | 6.938% | $3,502.43 | $3,502.43 | 6.750% | No | No | Employed | US Citizen | $10,107.81 | 1 | [redacted] | $955.56 | [redacted] | $79.63 | 37.798% | 37.798% | 37.798% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.530% | $2,000.00 | 1.8 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $203,359.90 | 30.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999817 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,695.00 | $2,886.26 | 7.278% | $4,273.83 | $4,273.83 | 7.250% | No | No | Employed | US Citizen | $7,882.77 | 1 | [redacted] | $4,598.40 | [redacted] | $383.20 | 43.217% | 43.217% | 43.217% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,695.00 | 6.530% | $8,950.00 | 1.0 | None | N/A | No | 7.250% | 2 | 2 | 0 | 2 | 2 | No | [redacted] | $401,497.17 | 44.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226000248 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,035.90 | 7.076% | $1,329.26 | $1,329.26 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,120.43 | 1 | [redacted] | $1,691.76 | [redacted] | $140.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 2.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,957,674.12 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 712.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226001271 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,969.06 | $9,455.09 | 7.141% | $3,739.41 | $3,739.41 | 6.990% | No | No | Employed | US Citizen | $10,529.99 | 1 | [redacted] | $6,948.00 | [redacted] | $579.00 | 33.021% | 33.021% | 33.021% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $5,969.06 | 6.520% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 30 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226001400 | [Redacted] | [Redacted] | N/A | No | No | $1,833.69 | $1,833.69 | 7.250% | No | No | US Citizen | 1 | [redacted] | $2,515.68 | [redacted] | $209.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002465 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,475.60 | $3,868.04 | 7.450% | $2,956.09 | $2,956.09 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $42,942.28 | 1 | [redacted] | $1,277.40 | [redacted] | $106.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,475.60 | 6.510% | $0.00 | 1.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,689,983.36 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 675.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002484 | [Redacted] | [Redacted] | N/A | No | No | $2,236.16 | $2,236.16 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,240.32 | [redacted] | $103.36 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $406,393.31 | 88.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 97.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002739 | [Redacted] | [Redacted] | N/A | No | No | $49,399.38 | $13,703.04 | 7.157% | $5,009.66 | $5,009.66 | 6.990% | No | No | Self-Employed | US Citizen | $45,065.51 | 1 | [redacted] | $1,710.24 | [redacted] | $142.52 | 27.373% | 27.373% | 27.373% | [Redacted] | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $49,399.38 | 6.430% | $0.00 | 3.8 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002742 | [Redacted] | [Redacted] | N/A | No | No | $69,090.00 | $4,586.60 | 7.139% | $9,095.20 | $9,095.20 | 7.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $35,045.87 | 1 | [redacted] | $4,392.60 | [redacted] | $366.05 | 37.100% | 37.100% | 37.100% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $69,090.00 | 6.520% | $0.00 | 3.1 | None | Yes | No | 7.125% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.99 | No | No | $36,860.62 | $0.00 | No | No | No | No | 2 | 360 | AE | 09/09/2026 | $7,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002751 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,033.64 | 7.641% | $8,676.61 | $9,664.92 | 7.625% | No | No | Self-Employed | US Citizen | $15,274.86 | 1 | [redacted] | $3,170.16 | [redacted] | $264.18 | 47.630% | 44.242% | 47.630% | [Redacted] | 659 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.530% | $0.00 | 4.8 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 360 | [redacted] | $34,576.76 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002752 | [Redacted] | [Redacted] | N/A | No | No | $1,806.23 | $1,806.23 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,601.04 | [redacted] | $133.42 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | $218,033.33 | 51.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 20.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002753 | [Redacted] | [Redacted] | N/A | No | No | $1,790.71 | $1,790.71 | 7.250% | No | No | US Citizen | 1 | [redacted] | $2,301.00 | [redacted] | $191.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [redacted] | $124,388.11 | 35.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002758 | [Redacted] | [Redacted] | N/A | No | No | $9,770.08 | $9,770.08 | 6.990% | No | No | US Citizen | 3 | [redacted] | $3,000.00 | [redacted] | $250.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | $2,003,175.11 | 95.380% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 112.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002778 | [Redacted] | [Redacted] | N/A | No | No | $4,309.10 | $4,309.10 | 7.125% | No | No | US Citizen | 1 | [redacted] | $3,161.04 | [redacted] | $263.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.58 | 0.38 | [redacted] | $209,692.94 | 26.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002780 | [Redacted] | [Redacted] | N/A | No | No | $1,537.21 | $1,537.21 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,509.00 | [redacted] | $125.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002884 | [Redacted] | [Redacted] | N/A | No | No | $2,900.84 | $2,900.84 | 7.375% | No | No | US Citizen | 1 | [redacted] | $2,641.32 | [redacted] | $220.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.7 | 0.36 | [redacted] | $70,500.00 | 13.420% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | $466,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003013 | [Redacted] | [Redacted] | N/A | No | No | $11,548.30 | $12,304.82 | 7.242% | $3,083.36 | $3,083.36 | 6.990% | No | No | Employed | US Citizen | $233,863.60 | 1 | [redacted] | $1,342.44 | [redacted] | $111.87 | 3.910% | 3.910% | 3.910% | [Redacted] | 809 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,548.30 | 6.530% | $11,598.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $634,136.62 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003016 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,129.10 | 6.869% | $6,753.55 | $6,753.55 | 7.250% | No | No | Non-Employment Income | US Citizen | $20,469.29 | 1 | [redacted] | $2,823.72 | [redacted] | $235.31 | 41.516% | 41.516% | 41.516% | [Redacted] | 711 | No | No | [Borrower - | Primary Income - Trust Income]; Trust Agreement - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.040% | $0.00 | 3.2 | DU | ApproveIneligible | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.39 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003018 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,322.16 | $4,552.24 | 7.527% | $4,940.00 | $6,900.31 | 7.886% | No | No | Self-Employed | US Citizen | $96,086.39 | 1 | [redacted] | $2,126.40 | [redacted] | $177.20 | 26.385% | 24.883% | 26.385% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,322.16 | 6.080% | $0.00 | 3.3 | None | No | No | 7.886% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $551,199.40 | 52.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.85 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003246 | [Redacted] | [Redacted] | N/A | No | No | $954.18 | $954.18 | 8.875% | No | No | US Citizen | 3 | [redacted] | $1,705.80 | [redacted] | $142.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 676 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.52 | [redacted] | $51,264.97 | 32.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003250 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $0.00 | 6.858% | $1,773.71 | $1,773.71 | 6.875% | No | No | Employed | US Citizen | $5,102.94 | 1 | [redacted] | $1,494.84 | [redacted] | $124.57 | 48.216% | 48.216% | 48.216% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.530% | $35,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 3 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $560,417.85 | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 181.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/23/2027 | $175,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003253 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,314.60 | $8,325.70 | 8.214% | $1,809.77 | $1,809.77 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $80,213.43 | 1 | [redacted] | $2,405.52 | [redacted] | $200.46 | 6.188% | 6.188% | 6.188% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,314.60 | 6.520% | $0.00 | 1.7 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $85,631.62 | 27.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 17.02 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003428 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,359.60 | $8,014.52 | 7.586% | $2,431.18 | $2,431.18 | 7.375% | No | No | Self-Employed | US Citizen | $14,624.35 | 1 | [redacted] | $1,892.04 | [redacted] | $157.67 | 23.165% | 23.165% | 23.165% | [Redacted] | 728 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,359.60 | 6.490% | $0.00 | 3.4 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $132,125.23 | 30.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.61 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003506 | [Redacted] | [Redacted] | N/A | No | No | $1,384.49 | $1,384.49 | 7.125% | No | No | US Citizen | 2 | [redacted] | $1,201.56 | [redacted] | $100.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $257,662.16 | 94.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.3 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004247 | [Redacted] | [Redacted] | N/A | No | No | $4,635.79 | $4,635.79 | 7.500% | No | No | US Citizen | 1 | [redacted] | $5,104.08 | [redacted] | $425.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | [redacted] | $874,565.84 | 98.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 105.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005560 | [Redacted] | [Redacted] | N/A | No | No | $759.95 | $759.95 | 7.125% | No | No | 0 | US Citizen | 1 | [redacted] | $1,604.04 | [redacted] | $133.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $166,896.70 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 169.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005564 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,417.31 | $6,557.91 | 8.733% | $1,485.94 | $1,485.94 | 8.375% | No | No | Self-Employed | US Citizen | $38,099.60 | 1 | [redacted] | $2,829.00 | [redacted] | $235.75 | 10.963% | 10.963% | 10.963% | [Redacted] | 690 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,417.31 | 6.490% | $6,900.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $58,892.66 | 25.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005565 | [Redacted] | [Redacted] | N/A | No | No | $2,610.00 | $2,610.00 | 6.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,295.76 | [redacted] | $107.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [redacted] | $130,897.38 | 22.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005571 | [Redacted] | [Redacted] | N/A | No | No | $1,107.28 | $1,107.28 | 6.990% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $2,678.76 | [redacted] | $223.23 | 0.000% | 0.000% | 0.000% | 764 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $168,058.53 | 70.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005597 | [Redacted] | [Redacted] | N/A | No | No | $1,478.09 | $1,478.09 | 6.875% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $2,051.04 | [redacted] | $170.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $10,331.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005598 | [Redacted] | [Redacted] | N/A | No | No | $1,226.17 | $1,226.17 | 7.125% | No | No | US Citizen | 2 | [redacted] | $1,869.96 | [redacted] | $155.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.52 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005670 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,430.00 | $8,958.90 | 8.333% | $1,957.29 | $1,957.29 | 7.990% | No | No | Employed | US Citizen | $3,592.62 | 1 | [redacted] | $1,438.68 | [redacted] | $119.89 | 50.793% | 50.793% | 50.793% | [Redacted] | 669 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,430.00 | 6.530% | $8,000.00 | 1.0 | None | Yes | No | 7.990% | 1 | 0 | 0 | 2 | 1 | 0.00 | No | Other | [redacted] | $302,802.59 | 85.050% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005675 | [Redacted] | [Redacted] | N/A | No | No | $4,420.32 | $4,420.32 | 7.375% | No | No | US Citizen | 2 | [redacted] | $1,159.92 | [redacted] | $96.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $66,056.46 | 8.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226014358 | [Redacted] | [Redacted] | N/A | No | No | $1,609.88 | $1,609.88 | 6.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,223.36 | [redacted] | $185.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 240 | [redacted] | $12,550.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030363 | [Redacted] | [Redacted] | N/A | No | No | $1,831.25 | $1,831.25 | 6.625% | No | No | 0 | Foreign National | N/A | 1 | [redacted] | $868.56 | [redacted] | $72.38 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | $195,069.40 | 44.330% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 10.96 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030366 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,298.00 | $10,434.78 | 8.408% | $1,859.06 | $1,859.06 | 7.990% | No | No | Self-Employed | US Citizen | $3,535.62 | 1 | [redacted] | $2,000.04 | [redacted] | $166.67 | 46.570% | 46.570% | 46.570% | [Redacted] | 714 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 1953 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,298.00 | 6.520% | $0.00 | 2.7 | None | Yes | No | 7.990% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030870 | [Redacted] | [Redacted] | N/A | No | No | $2,105.45 | $2,105.45 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,383.48 | [redacted] | $115.29 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $144,665.67 | 33.420% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 11.18 | No | $0.00 | $0.00 | No | No | Yes | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030928 | [Redacted] | [Redacted] | N/A | No | No | $1,595.11 | $1,595.11 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,412.04 | [redacted] | $117.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $77,414.99 | 25.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.07 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030945 | [Redacted] | [Redacted] | N/A | No | No | $1,237.05 | $1,237.05 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,100.04 | [redacted] | $91.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 697 | No | No | DSCR | 1 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $8,178.79 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031072 | [Redacted] | [Redacted] | N/A | No | No | $1,226.17 | $1,226.17 | 7.125% | No | No | US Citizen | 2 | [redacted] | $1,611.00 | [redacted] | $134.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.07 | 0.48 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031118 | [Redacted] | [Redacted] | N/A | No | No | $2,201.53 | $2,201.53 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,694.52 | [redacted] | $141.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $179,834.38 | 42.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031214 | [Redacted] | [Redacted] | N/A | No | No | $1,176.91 | $1,176.91 | 7.375% | No | No | 0 | US Citizen | 1 | [redacted] | $917.04 | [redacted] | $76.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $657,887.61 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 477.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031581 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,489.72 | $7,710.26 | 7.022% | $3,113.66 | $3,113.66 | 6.875% | No | No | Self-Employed | US Citizen | $164,741.63 | 1 | [redacted] | $798.96 | [redacted] | $66.58 | 8.183% | 8.183% | 8.183% | [Redacted] | 804 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2013 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,489.72 | 6.510% | $0.00 | 999.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $661,363.71 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032633 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,588.99 | $6,334.39 | 7.026% | $2,486.69 | $2,486.69 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $58,365.18 | 1 | [redacted] | $888.00 | [redacted] | $74.00 | 17.993% | 17.993% | 17.993% | [Redacted] | 792 | No | Yes | 24 | Business | 100.000% | 54.900% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,588.99 | 6.510% | $0.00 | 999.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $620,046.93 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 132.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032697 | [Redacted] | [Redacted] | N/A | No | No | $1,418.49 | $1,418.49 | 7.990% | No | No | US Citizen | 1 | [redacted] | $741.24 | [redacted] | $61.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 656 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032712 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,419.72 | 7.544% | $2,735.33 | $2,735.33 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $28,027.49 | 1 | [redacted] | $2,186.04 | [redacted] | $182.17 | 14.076% | 14.076% | 14.076% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.520% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 2.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 6.9 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032720 | [Redacted] | [Redacted] | N/A | No | No | $2,878.54 | $2,878.54 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,272.00 | [redacted] | $106.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.8 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032982 | [Redacted] | [Redacted] | N/A | No | No | $7,926.00 | $7,932.48 | 7.354% | $4,802.52 | $4,802.52 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $5,287.58 | 3 | [redacted] | $2,039.04 | [redacted] | $169.92 | 45.086% | 45.086% | 45.086% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,926.00 | 6.490% | $15,000.00 | None | No | No | 7.250% | 2 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $266,504.29 | 30.280% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.02 | No | No | $0.00 | $6,292.19 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033068 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,008.03 | 6.339% | $1,707.08 | $1,707.08 | 6.250% | No | No | Employed | US Citizen | $2,545.85 | 1 | [redacted] | $1,479.00 | [redacted] | $123.25 | 49.037% | 49.037% | 49.037% | [Redacted] | 698 | Yes | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.490% | $3,879.25 | 1.1 | None | No | No | 6.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $230,902.72 | 51.850% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033295 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,019.08 | $9,035.07 | 7.713% | $2,824.83 | $2,824.83 | 7.500% | No | No | Self-Employed | US Citizen | $13,673.57 | 1 | [redacted] | $1,710.00 | [redacted] | $142.50 | 30.955% | 30.955% | 30.955% | [Redacted] | 693 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,019.08 | 6.530% | $4,000.00 | 1.3 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $157,572.24 | 31.200% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033301 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,322.99 | 6.912% | $2,890.49 | $2,890.49 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,855.04 | 1 | [redacted] | $2,205.00 | [redacted] | $183.75 | 47.773% | 47.773% | 47.773% | [Redacted] | 733 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.530% | $11,110.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $25,605.33 | 4.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033302 | [Redacted] | [Redacted] | N/A | No | No | $859.75 | $859.75 | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $975.96 | [redacted] | $81.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.18 | 0.45 | [redacted] | $3,140.00 | 2.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 129.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033428 | [Redacted] | [Redacted] | N/A | No | No | $2,005.95 | $2,005.95 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,869.00 | [redacted] | $155.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033442 | [Redacted] | [Redacted] | N/A | No | No | $1,298.45 | $1,298.45 | 5.750% | No | No | US Citizen | 1 | [redacted] | $513.24 | [redacted] | $42.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033569 | [Redacted] | [Redacted] | N/A | No | No | $2,093.82 | $2,093.82 | 6.625% | No | No | Foreign National | 1 | [redacted] | $1,421.16 | [redacted] | $118.43 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.2 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | [redacted] | $215,976.40 | 49.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 23.45 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033582 | [Redacted] | [Redacted] | N/A | No | No | $1,905.83 | $1,905.83 | 7.250% | No | No | US Citizen | 1 | [redacted] | $3,570.96 | [redacted] | $297.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $23,759.31 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033583 | [Redacted] | [Redacted] | N/A | No | No | $3,891.59 | $3,891.59 | 6.750% | No | No | US Citizen | 1 | [redacted] | $5,151.12 | [redacted] | $429.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $1,397,189.52 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 121.9 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033585 | [Redacted] | [Redacted] | Non QM | Yes | No | $90,540.00 | $94,616.58 | 7.185% | $19,707.86 | $19,707.86 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $37,145.63 | 1 | [redacted] | $10,638.96 | [redacted] | $886.58 | 41.362% | 41.362% | 41.362% | 768 | No | Yes | 24 | Business | 53.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $90,540.00 | 6.510% | $0.00 | 2.6 | None | No | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.04 | No | $0.00 | $29,617.28 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033592 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,609.71 | 7.524% | $4,100.89 | $4,100.89 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $13,969.65 | 1 | [redacted] | $2,064.96 | [redacted] | $172.08 | 33.104% | 33.104% | 33.104% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.520% | $15,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $39,675.38 | 5.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 34.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033659 | [Redacted] | [Redacted] | N/A | No | No | $16,310.00 | $21,006.31 | 7.768% | $2,827.08 | $3,177.11 | 7.375% | No | No | Self-Employed | US Citizen | $29,203.20 | 1 | [redacted] | $1,373.76 | [redacted] | $114.48 | 30.995% | 30.167% | 30.995% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,310.00 | 6.510% | $10,000.00 | 2.1 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 360 | [redacted] | $17,250.00 | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033660 | [Redacted] | [Redacted] | N/A | No | No | $1,057.74 | $1,057.74 | 7.125% | No | No | US Citizen | 1 | [redacted] | $2,665.08 | [redacted] | $222.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $308,112.19 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033665 | [Redacted] | [Redacted] | N/A | No | No | $881.68 | $881.68 | 7.875% | No | No | 0 | US Citizen | 1 | [redacted] | $1,009.08 | [redacted] | $84.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $163,790.94 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 153.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033669 | [Redacted] | [Redacted] | N/A | No | No | $6,281.45 | $6,281.45 | 6.625% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [redacted] | $4,752.24 | [redacted] | $396.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | 801 | 807 | 787 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.3 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.14 | 0.46 | [redacted] | $1,359,711.39 | 76.810% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 127.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033806 | [Redacted] | [Redacted] | N/A | No | No | $2,175.21 | $2,175.21 | 7.875% | No | No | US Citizen | 2 | [redacted] | $1,346.04 | [redacted] | $112.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 684 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.92 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226034227 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,182.50 | $6,568.37 | 7.700% | $1,023.26 | $1,023.26 | 7.250% | No | No | Employed | US Citizen | $9,100.83 | 1 | [redacted] | $1,080.96 | [redacted] | $90.08 | 28.425% | 28.425% | 28.425% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,182.50 | 6.510% | $0.00 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $437,762.69 | No | 29 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 168.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226034554 | [Redacted] | [Redacted] | Non QM | Yes | No | $895.00 | $2,382.84 | 6.902% | $3,652.52 | $3,652.52 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,093.33 | 1 | [redacted] | $1,898.04 | [redacted] | $158.17 | 35.216% | 35.216% | 35.216% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $895.00 | 6.610% | $3,500.00 | 2.4 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $52,696.67 | 7.060% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.9 | Yes | No | $16,086.05 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035932 | [Redacted] | [Redacted] | N/A | No | No | $4,926.97 | $4,926.97 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,486.64 | [redacted] | $207.22 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | 733 | 718 | 707 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036274 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,947.39 | $2,609.14 | 8.854% | $2,039.52 | $2,039.52 | 8.750% | No | No | Self-Employed | Non-Permanent Resident Alien | El Salvador | $5,022.43 | 1 | [redacted] | $1,071.96 | [redacted] | $89.33 | 37.436% | 37.436% | 37.436% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,947.39 | 6.490% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 58.77 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036296 | [Redacted] | [Redacted] | N/A | No | No | $643.27 | $643.27 | 7.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,086.96 | [redacted] | $90.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $1,220.00 | 1.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 146.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036301 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,350.13 | $9,107.85 | 7.998% | $2,707.32 | $2,707.32 | 7.750% | No | No | Self-Employed | US Citizen | $33,217.63 | 1 | [redacted] | $1,734.96 | [redacted] | $144.58 | 31.075% | 31.075% | 31.075% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,350.13 | 6.640% | $4,199.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,200.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 154.3 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036303 | [Redacted] | [Redacted] | N/A | No | No | $823.73 | $823.73 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,418.28 | [redacted] | $118.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $217,671.94 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 221.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036309 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,129.38 | $3,909.23 | 7.533% | $7,092.13 | $7,092.13 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,915.08 | 1 | [redacted] | $4,317.84 | [redacted] | $359.82 | 41.245% | 41.245% | 41.245% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,129.38 | 6.520% | $16,192.00 | 2.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $16,244.64 | 1.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036470 | [Redacted] | [Redacted] | N/A | No | No | $1,040.80 | $1,040.80 | 5.750% | No | No | US Citizen | 1 | [redacted] | $656.64 | [redacted] | $54.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.41 | 0.41 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036902 | [Redacted] | [Redacted] | N/A | No | No | $2,066.45 | $2,066.45 | 7.875% | No | No | US Citizen | 1 | [redacted] | $1,983.96 | [redacted] | $165.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036924 | [Redacted] | [Redacted] | N/A | No | No | $1,653.16 | $1,653.16 | 7.875% | No | No | US Citizen | 2 | [redacted] | $1,478.04 | [redacted] | $123.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $146,962.75 | 51.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036927 | [Redacted] | [Redacted] | N/A | No | No | $1,472.14 | $1,472.14 | 7.250% | No | No | US Citizen | 1 | [redacted] | $612.84 | [redacted] | $51.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226039888 | [Redacted] | [Redacted] | N/A | No | No | $4,359.98 | $4,359.98 | 6.990% | No | No | US Citizen | 2 | [redacted] | $4,005.00 | [redacted] | $333.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $300,872.28 | 36.690% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053525 | [Redacted] | [Redacted] | N/A | No | No | $2,624.57 | $2,624.57 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,509.00 | [redacted] | $125.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | [redacted] | $215,396.63 | 40.640% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053527 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,729.00 | $5,584.62 | 9.202% | $2,279.07 | $2,279.07 | 8.990% | No | No | Self-Employed | US Citizen | $16,404.13 | 1 | [redacted] | $1,976.64 | [redacted] | $164.72 | 24.816% | 24.816% | 24.816% | [Redacted] | 700 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,729.00 | 6.520% | $30,000.00 | 2.2 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $18,982.55 | 6.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.94 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053531 | [Redacted] | [Redacted] | N/A | No | No | $4,699.66 | $4,699.66 | 7.750% | No | No | US Citizen | 2 | [redacted] | $2,482.08 | [redacted] | $206.84 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $221,752.00 | 27.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053538 | [Redacted] | [Redacted] | N/A | No | No | $1,135.05 | $1,135.05 | 5.750% | No | No | US Citizen | 1 | [redacted] | $625.80 | [redacted] | $52.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.52 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053544 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,310.00 | $21,198.36 | 7.165% | $4,729.89 | $4,729.89 | 6.875% | No | No | Non-Employment Income | US Citizen | $18,735.61 | 1 | [redacted] | $6,971.52 | [redacted] | $580.96 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,310.00 | 6.530% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 249.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053547 | [Redacted] | [Redacted] | N/A | No | No | $988.05 | $988.05 | 6.875% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,528.04 | [redacted] | $210.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $6,622.03 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053551 | [Redacted] | [Redacted] | N/A | No | No | $40,355.00 | $11,032.96 | 7.151% | $4,173.88 | $4,173.88 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $60,172.67 | 1 | [redacted] | $1,771.80 | [redacted] | $147.65 | 46.093% | 46.093% | 46.093% | [Redacted] | 760 | No | Yes | 12 | Business | 94.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Business Return Transcripts - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Business Return Transcripts - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $40,355.00 | 6.530% | $0.00 | 1.0 | None | N/A | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $132,340.10 | 16.850% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.11 | Yes | No | $0.00 | $7,201.72 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053566 | [Redacted] | [Redacted] | N/A | No | No | $1,077.51 | $1,077.51 | 6.250% | No | No | US Citizen | 1 | [redacted] | $1,208.04 | [redacted] | $100.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $12,245.55 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053945 | [Redacted] | [Redacted] | N/A | No | No | $1,196.34 | $1,196.34 | 6.990% | No | No | US Citizen | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $17,049.79 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053952 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,747.93 | $9,781.39 | 8.143% | $4,850.53 | $4,850.53 | 7.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,821.94 | 1 | [redacted] | $1,670.04 | [redacted] | $139.17 | 49.170% | 49.170% | 49.170% | [Redacted] | 683 | Yes | Yes | 24 | Personal, Business | 68.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,747.93 | 6.570% | $14,566.04 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Other | [redacted] | $630,108.00 | 76.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.76 | No | No | $3,591.01 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053963 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,933.24 | $9,217.88 | 7.170% | $2,029.12 | $2,029.12 | 6.875% | No | No | Employed | US Citizen | $5,897.32 | 1 | [redacted] | $1,626.12 | [redacted] | $135.51 | 36.082% | 36.082% | 36.082% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,933.24 | 6.530% | $97,583.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $14,607.55 | 3.780% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226061961 | [Redacted] | [Redacted] | N/A | No | No | $1,145.83 | $1,145.83 | 7.375% | No | No | US Citizen | 1 | [redacted] | $822.96 | [redacted] | $68.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $86,095.38 | 40.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062313 | [Redacted] | [Redacted] | N/A | No | No | $1,418.97 | $1,418.97 | 6.875% | No | No | US Citizen | 4 | [redacted] | $5,868.00 | [redacted] | $489.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 672 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.55 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062320 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,790.00 | $10,356.26 | 7.535% | $4,420.32 | $4,420.32 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,826.83 | 1 | [redacted] | $1,541.04 | [redacted] | $128.42 | 36.310% | 36.310% | 36.310% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,790.00 | 6.530% | $6,260.00 | 2.3 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $69,781.79 | 8.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062363 | [Redacted] | [Redacted] | N/A | No | No | $58,690.00 | $10,833.81 | 7.092% | $6,646.31 | $6,646.31 | 6.990% | No | No | Non-Employment Income | US Citizen | $32,675.72 | 1 | [redacted] | $620.04 | [redacted] | $51.67 | 29.906% | 29.906% | 29.906% | [Redacted] | 807 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $58,690.00 | 6.410% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $6,706,759.83 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 741.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062373 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $2,832.72 | 7.295% | $3,956.62 | $3,956.62 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $15,260.06 | 1 | [redacted] | $600.00 | [redacted] | $50.00 | 29.645% | 29.645% | 29.645% | [Redacted] | 725 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.530% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $157,410.19 | 21.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.05 | No | No | $0.00 | $12,960.83 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062912 | [Redacted] | [Redacted] | N/A | No | No | $14,292.59 | $16,454.51 | 7.599% | $3,263.53 | $3,263.53 | 7.250% | No | No | Not Employed | Non-Employment Income | Not Employed | 0 | US Citizen | US Citizen | $8,458.20 | 1 | [redacted] | $3,677.04 | [redacted] | $306.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | 778 | 778 | 784 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $14,292.59 | 6.530% | $250.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,429,462.76 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 307.04 | No | No | $25,988.81 | $0.00 | No | No | No | No | 5 | 360 | AE | 07/29/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063293 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $4,676.84 | 7.077% | $3,489.31 | $3,489.31 | 6.990% | No | No | Employed | US Citizen | $26,078.59 | 4 | [redacted] | $3,372.00 | [redacted] | $281.00 | 32.546% | 32.546% | 32.546% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | None | N/A | No | 6.990% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $374,895.94 | 53.550% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.44 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063299 | [Redacted] | [Redacted] | N/A | No | No | $2,241.09 | $2,241.09 | 6.625% | No | No | Permanent Resident Alien | 2 | [redacted] | $7,765.80 | [redacted] | $647.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $403,749.33 | 57.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063349 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,517.25 | $6,214.61 | 8.222% | $2,078.25 | $2,078.25 | 7.990% | No | No | Not Employed | Self-Employed | US Citizen | Non-Permanent Resident Alien | $14,915.23 | 1 | [redacted] | $1,838.04 | [redacted] | $153.17 | 14.565% | 14.565% | 14.565% | 669 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,517.25 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 113.69 | No | $17,458.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063811 | [Redacted] | [Redacted] | N/A | No | No | $939.41 | $939.41 | 6.875% | No | No | Foreign National | 1 | [redacted] | $1,725.96 | [redacted] | $143.83 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $524,105.20 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 205.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063953 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,665.00 | $18,587.80 | 7.116% | $4,992.66 | $4,992.66 | 6.875% | No | No | Self-Employed | US Citizen | $15,826.89 | 1 | [redacted] | $1,938.00 | [redacted] | $161.50 | 29.633% | 29.633% | 29.633% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,665.00 | 6.530% | $10,000.00 | 3.5 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $263,914.62 | 27.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063954 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,340.00 | $3,999.73 | 7.452% | $1,364.35 | $1,364.35 | 7.250% | No | No | Non-Employment Income | Permanent Resident Alien | $2,104.44 | 1 | [redacted] | $3,684.96 | [redacted] | $307.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,340.00 | 6.570% | $0.00 | 1.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $655,169.10 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 84.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063955 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $2,446.64 | 7.299% | $3,274.45 | $3,274.45 | 7.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $8,854.49 | 1 | [redacted] | $2,173.32 | [redacted] | $181.11 | 49.777% | 49.777% | 49.777% | [Redacted] | 728 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $296,026.49 | 49.330% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.69 | No | No | $5,883.17 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063961 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,886.00 | $7,386.88 | 7.283% | $2,894.29 | $2,894.29 | 7.125% | No | No | Self-Employed | US Citizen | $9,241.53 | 1 | [redacted] | $1,420.68 | [redacted] | $118.39 | 32.546% | 32.546% | 32.546% | [Redacted] | 722 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $5,886.00 | 6.490% | $4,500.00 | 2.7 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $38,701.67 | 7.200% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063968 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,397.88 | $13,424.46 | 7.622% | $3,815.98 | $3,815.98 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,199.75 | 1 | [redacted] | $2,469.00 | [redacted] | $205.75 | 48.996% | 48.996% | 48.996% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,397.88 | 6.490% | $15,000.00 | 2.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $214,111.96 | 32.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063980 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,425.81 | $12,551.61 | 7.299% | $4,495.39 | $4,495.39 | 7.125% | No | No | Self-Employed | US Citizen | $9,445.07 | 1 | [redacted] | $5,817.60 | [redacted] | $484.80 | 38.098% | 38.098% | 38.098% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,425.81 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $226,021.20 | 28.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064002 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,159.66 | 6.815% | $3,956.45 | $3,956.45 | 6.750% | No | No | Employed | US Citizen | $14,356.33 | 1 | [redacted] | $4,865.04 | [redacted] | $405.42 | 31.090% | 31.090% | 31.090% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.610% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,189,910.87 | 81.500% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064004 | [Redacted] | [Redacted] | N/A | No | No | $1,701.46 | $1,701.46 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,187.04 | [redacted] | $98.92 | 0.000% | 0.000% | 0.000% | 798 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $110,355.61 | 34.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064010 | [Redacted] | [Redacted] | N/A | No | No | $1,658.80 | $2,503.05 | 7.196% | $2,317.59 | $2,317.59 | 7.125% | No | No | Employed | Permanent Resident Alien | $2,979.50 | 1 | [redacted] | $1,317.72 | [redacted] | $109.81 | 38.433% | 38.433% | 38.433% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,658.80 | 6.530% | $5,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $147,856.07 | 34.380% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064022 | [Redacted] | [Redacted] | N/A | No | No | $955.05 | $955.05 | 7.250% | No | No | US Citizen | 2 | [redacted] | $1,680.00 | [redacted] | $140.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $1,000.00 | 0.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064025 | [Redacted] | [Redacted] | N/A | No | No | $2,377.15 | $2,377.15 | 6.625% | No | No | US Citizen | 4 | [redacted] | $2,954.04 | [redacted] | $246.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $296,333.15 | 59.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064041 | [Redacted] | [Redacted] | N/A | No | No | $1,381.35 | $1,381.35 | 7.375% | No | No | US Citizen | 1 | [redacted] | $4,039.08 | [redacted] | $336.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $171,401.71 | 68.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064044 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,520.04 | [redacted] | $126.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064793 | [Redacted] | [Redacted] | N/A | No | No | $1,660.41 | $1,660.41 | 6.750% | No | No | US Citizen | 2 | [redacted] | $1,347.00 | [redacted] | $112.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | [redacted] | $294,651.25 | 92.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064795 | [Redacted] | [Redacted] | N/A | No | No | $1,090.77 | $1,090.77 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,311.00 | [redacted] | $109.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064849 | [Redacted] | [Redacted] | N/A | No | No | $1,048.82 | $1,048.82 | 7.500% | No | No | US Citizen | 1 | [redacted] | $751.44 | [redacted] | $62.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $30,520.65 | 16.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X |