MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.7 - Schedule 4
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 10232384 | Closed | 2025-11-14 10:31 | 2025-11-19 06:19 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Client provided an explanation as to why sbj was reported vacant. Appraisal's effective date is XX/XX/XXXX and lease in file shows a starting date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The appraiser reported Vacant because the occupant was in the process of moving out as of the effective date and the new tenant's lease was starting on XX/X. - Seller-XX/XX/XXXX Open-The appraisal provided, on page XX, states that the subject property is vacant. The appraisal pictures, pages XX-XX, confirm that the subject is occupied. Appraisal to show correct occupancy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The appraiser reported Vacant because the occupant was in the process of moving out as of the effective date and the new tenant's lease was starting on XX/X. - Seller-XX/XX/XXXX |
Resolved-Client provided an explanation as to why sbj was reported vacant. Appraisal's effective date is XX/XX/XXXX and lease in file shows a starting date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 6256237 | N/A | N/A | ||||
| XXXX | XXXX | 10267112 | Closed | 2026-01-20 13:50 | 2026-03-14 16:12 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved-DSCR ratio calculated without grossing up RentRange for $X,XXX / $X,XXX.XX = X.XXX. DSCR within guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit memo reflecting P I& I that coordinates with the note. - Seller-XX/XX/XXXX Counter-Credit Memo DSCR calculation incorrectly stated. PITIA on Credit Memo is $X,XXX.XX with $X,XXX.XX ITIA. Note reflects PITIA of $X,XXX.XX. Updated credit memo requested. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting an approved exception for DSCR - Seller-XX/XX/XXXX Open-Per X/X/XXXX Guidelines, Third-Party Market Rents to be grossed to XXX% requires the following to be provided by borrower: Fully executed current lease(s), and X- most recent months canceled checks or bank statements evidencing receipt of X-months rental income received prior to the XXXX loan application date. Cancelled checks or bank statement reflecting receipt of rents not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit memo reflecting P I& I that coordinates with the note. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting an approved exception for DSCR - Seller-XX/XX/XXXX |
Resolved-DSCR ratio calculated without grossing up RentRange for $X,XXX / $X,XXX.XX = X.XXX. DSCR within guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX XXXXXXXXXX_XXXXXX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 7187629 | N/A | N/A | |||
| XXXX | XXXX | 10267112 | Closed | 2026-01-20 12:43 | 2026-02-02 14:30 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit file provided by client in trailing docs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - Seller-XX/XX/XXXX Open-Credit Memo not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo - Seller-XX/XX/XXXX |
Resolved-Credit file provided by client in trailing docs. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7186104 | N/A | N/A | |||
| XXXX | XXXX | 10160019 | Closed | 2026-02-04 00:43 | 2026-02-22 23:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final HUD-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Settlement Statement is missing in the file. HUD found in file dated X/XX/XXXX. Refinance type is noted as Cash-out as per the provided Credit memo on page#XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX_XXXXX_XXXXXX_XXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7430873 | N/A | N/A | |||
| XXXX | XXXX | 10160019 | Closed | 2026-02-04 00:15 | 2026-02-22 23:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing The Deed of Trust is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7430737 | N/A | N/A | |||
| XXXX | XXXX | 10160075 | Closed | 2026-02-06 14:39 | 2026-03-23 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-As per management directive, LOE provided explains lease agreement not required. - Due Diligence Vendor-XX/XX/XXXX Counter-As per LOE provided below, the property is not occupied. The Appraisal photo's show furniture, shoes, and towels hanging off shower curtain. Requesting updated appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded borrower LOE regarding occupancy - Seller-XX/XX/XXXX Open-The Appraisal is marked Tenant Occupied and the lease agreement is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded borrower LOE regarding occupancy - Seller-XX/XX/XXXX |
Resolved-As per management directive, LOE provided explains lease agreement not required. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7499396 | N/A | N/A | |||
| XXXX | XXXX | 10160075 | Closed | 2026-02-05 02:32 | 2026-02-25 03:28 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXX is Less than Loan Amount Loan amount is $XX,XXX and the tile coverage amount is $XX,XXX provide tile with coverage amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title coverage is less than loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXXXXXXXXX XXXX (XX XX XX) - XXXX-XX-XXXXXXXXX.XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7455273 | N/A | N/A | |||
| XXXX | XXXX | 10160075 | Closed | 2026-02-06 14:35 | 2026-02-25 03:27 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed Ground Rent Redemption Deed in findings. Ground Rent redemption paid off on Settlement Statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded executed ground redemption lease - Seller-XX/XX/XXXX Open-Property Title Issue The Ground Rent Redemption Deed page XXX is not executed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded executed ground redemption lease - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Executed Ground Rent Redemption Deed in findings. Ground Rent redemption paid off on Settlement Statement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX XXXXXX XXXXXXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7499297 | N/A | N/A | |||
| XXXX | XXXX | 10160209 | Closed | 2026-02-17 04:57 | 2026-02-24 11:54 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit Memo provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX JM - Uploaded CM. - Seller-XX/XX/XXXX Open-Credit Memo missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX JM - Uploaded CM. - Seller-XX/XX/XXXX |
Resolved-Credit Memo provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7648109 | N/A | N/A | |||
| XXXX | XXXX | 10196887 | Closed | 2026-02-18 10:02 | 2026-02-19 06:39 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Review of deeds reflect the property chain of title. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Purchase contract does reflect XX XXXXXX - XXXXX, XXX - Seller-XX/XX/XXXX Open-Title currently vested should not match Title vested at close on purchase transaction The title commitment with an effective date of XX/XX/XXXX reflects title currently vested to X.X. XXXXXX-XXXXX, XXX., not the seller who is listed on the purchase agreement. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Purchase contract does reflect XX XXXXXX - XXXXX, XXX - Seller-XX/XX/XXXX |
XXXXXX XXXXXXXX _ XXXX XX XXXX XXXXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 7680304 | N/A | N/A | ||||
| XXXX | XXXX | 10160225 | Closed | 2026-02-18 02:57 | 2026-03-16 14:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title document is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing Title Commitment missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title document is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7671972 | N/A | N/A | |||
| XXXX | XXXX | 10160225 | Closed | 2026-02-18 04:06 | 2026-02-23 23:22 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit Memo provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX XX - Uploaded CM. - Seller-XX/XX/XXXX Open-Credit memo missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX XX - Uploaded CM. - Seller-XX/XX/XXXX |
Resolved-Credit Memo provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7672478 | N/A | N/A | |||
| XXXX | XXXX | 10160170 | Closed | 2026-03-03 13:26 | 2026-03-11 08:35 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The client has provide alternative documentation to show that the borrower owns the property in question. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Plesae refer page #XXX; trans ID X which shows that the subject entity owns the property located on XXXXXXXX XXXXXX - Seller-XX/XX/XXXX Open-The guideline X.X | REQUIRED EXPERIENCE DOCUMENTATION, following criteria: the REO used to document experience be vested in the borrower/sponsor’s name; or if vested in another name, documentation must be provided to verify the borrower’s/sponsor’s ownership interest: Entity documents verifying at least X% ownership/membership interest. The loan file contains a property report to verify the borrower experiences however the owner is XXXXXXX XXXXXX XXXXXXXXXX. The file is missing evidence of the borrowers ownership in XXXXXXX XXXXXX XXXXXXXXXX, via the operating agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Plesae refer page #XXX; trans ID X which shows that the subject entity owns the property located on XXXXXXXX XXXXXX - Seller-XX/XX/XXXX |
Resolved-The client has provide alternative documentation to show that the borrower owns the property in question. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7904704 | N/A | N/A | ||||
| XXXX | XXXX | 10160170 | Closed | 2026-03-03 13:35 | 2026-03-10 06:59 | Resolved | 1 - Information | C | A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-The client has provided the Articles of Organization for XX XXXXXXXXX XXX, the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded Entity Docs - Seller-XX/XX/XXXX Open-The guideline Limited Liability Company, under X.X.X | U.S. LEGAL ENTITIES, requires a copy of filed Articles of Organization to evidence registration of the LLC within the state. The loan file is missing the Articles of Organization for XX XXXXXXXXX XXX, the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded Entity Docs - Seller-XX/XX/XXXX |
Resolved-The client has provided the Articles of Organization for XX XXXXXXXXX XXX, the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7904866 | N/A | N/A | |||
| XXXX | XXXX | 10160170 | Closed | 2026-03-03 13:33 | 2026-03-10 06:58 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The client has provided the operating agreement for XX XXXXXXXXX XXX, the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded Entity Docs - Seller-XX/XX/XXXX Open-The guideline Limited Liability Company, under X.X.X | U.S. LEGAL ENTITIES, requires a copy of fully executed Operating Agreement. The loan file is missing the Operating Agreement for XX XXXXXXXXX XXX, the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded Entity Docs - Seller-XX/XX/XXXX |
Resolved-The client has provided the operating agreement for XX XXXXXXXXX XXX, the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7904819 | N/A | N/A | |||
| XXXX | XXXX | 10160170 | Closed | 2026-03-03 13:29 | 2026-03-09 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 1 Missing | Resolved-The client provided the missing XXXX statement with sufficient balances. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded X of X and XXXXXXXX December statements - Seller-XX/XX/XXXX Open-The loan file contains XXXX of XXXXXXX accounts #XXXX & XXXX however the files are corrupt and can't be opened. The loan file is missing documentation of the XXXX of XXXXXXX statements, XXXX $XXX.XX and XXXX $X,XXX.XX for total additional assets in the amount of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - XX - Uploaded X of X and XXXXXXXX December statements - Seller-XX/XX/XXXX |
Resolved-The client provided the missing XXXX statement with sufficient balances. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX XXXXXXXX XXXXXXXXX.XXX XXXXXXX_X XX X XXXXXXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7904742 | N/A | N/A | |||
| XXXX | XXXX | 10160170 | Closed | 2026-03-02 03:09 | 2026-03-09 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The loan file is missing the credit report used to underwrite the loan. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested credit report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXX_XXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7866265 | N/A | N/A | |||
| XXXX | XXXX | 10232463 | Closed | 2026-03-02 14:52 | 2026-03-16 07:10 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Post Disaster Inspection with photos provided. No damage to the property reported. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by XXXX Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Post Disaster Inspection with photos provided. No damage to the property reported. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXX - XXXX XXXXXXXXXX XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7881255 | N/A | N/A | |||
| XXXX | XXXX | 10232463 | Closed | 2026-03-01 21:56 | 2026-03-13 05:03 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than loan amount, provided updated Title Document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title commitment with sufficient coverage. Title coverage amount of $XXXXXX is less than loan amount $XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage is less than loan amount, provided updated Title Document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7864903 | N/A | N/A | |||
| XXXX | XXXX | 10162544 | Closed | 2026-02-26 03:54 | 2026-03-18 02:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Estimated settlement Statement in file, asked for final SS, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised XXX uploaded. - Seller-XX/XX/XXXX Open-Closing Document is Missing. The settlement statement states estimated closing statement at the top. Missing final signed settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised XXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Estimated settlement Statement in file, asked for final SS, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7817106 | N/A | N/A | |||
| XXXX | XXXX | 10162545 | Closed | 2026-02-26 05:01 | 2026-03-18 02:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Estimated settlement Statement in file, asked for final SS, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Document is Missing. The settlement statement states estimated closing statement at the top. Missing final signed settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Estimated settlement Statement in file, asked for final SS, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7817774 | N/A | N/A | |||
| XXXX | XXXX | 10162546 | Closed | 2026-02-26 13:27 | 2026-03-13 06:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing HOA Fee Statement | Resolved-XXX statement provided/resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Latest XXX Fee Assessment not provided required for PITIA calculation Per tape data $XXX.XX in XXX fees, however no document provided to validate, Appraisal does not disclose any XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXX statement provided/resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7830505 | N/A | N/A | |||
| XXXX | XXXX | 10162546 | Closed | 2026-02-26 13:15 | 2026-03-13 06:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We received a paid in full receipt. That is where the amount of $X,XXX.XX. We also reached out to the agent to inquire why the decrepnacy this is their response. "The $X,XXX.XX is a premium with administrative fee for insurance payment plan. When insured chooses to pay in full and using ACH, a credit is added to final premium. Which is why the final premium paid by the insured is $X,XXX.XX this is a standard practice in the insurance industry to incetivise insured to continue to pay in full to avoid an $X payment processing fee." Therefore the final premium is $X,XXX.XX. - Seller-XX/XX/XXXX Open-The hazard insurance document on file shows a policy amount of $XXXX.XX, but it appears qualifying insurance was $X,XXX.XX. Audit is unable to determine the source of the $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. We received a paid in full receipt. That is where the amount of $X,XXX.XX. We also reached out to the agent to inquire why the decrepnacy this is their response. "The $X,XXX.XX is a premium with administrative fee for insurance payment plan. When insured chooses to pay in full and using ACH, a credit is added to final premium. Which is why the final premium paid by the insured is $X,XXX.XX this is a standard practice in the insurance industry to incetivise insured to continue to pay in full to avoid an $X payment processing fee." Therefore the final premium is $X,XXX.XX. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXX XX XXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7829786 | N/A | N/A | |||
| XXXX | XXXX | 10162547 | Closed | 2026-02-27 07:31 | 2026-03-20 08:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-Unable to verify the lender's conservative method of calculating taxes. Audit is using the verified taxes in its review. - Due Diligence Vendor-XX/XX/XXXX Counter-unable to open document; please resend - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax comparables uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Qualifying property tax is $X,XXX ( $XXX.XX monthly). Audit is unable to verify this amount with the documents provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax comparables uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-Unable to verify the lender's conservative method of calculating taxes. Audit is using the verified taxes in its review. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXX (X).XXXX | XXXX | Investment | Refinance | Cash Out - Other | 7843629 | N/A | N/A | |||
| XXXX | XXXX | 10162547 | Closed | 2026-02-27 07:36 | 2026-03-17 07:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Attorney email verification that signed HUD is the Final - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is the final HUD which has been confirmed by the attorney. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The provided Settlement Statement is marked "Estimated Closing Statement." Although it is signed by the borrower, it is not signed/stamped by the settlement agent to mark it as a Final. Audit is unable to determine if this is the true Final document, or if the Final Closing Statement is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This is the final HUD which has been confirmed by the attorney. - Seller-XX/XX/XXXX |
Resolved-Attorney email verification that signed HUD is the Final - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7843709 | N/A | N/A | |||
| XXXX | XXXX | 10232949 | Closed | 2026-03-10 07:05 | 2026-03-24 06:08 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-Lender provided post disaster inspection reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided post disaster inspection reflecting no damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX -XXXXXXX - XXX XXXXXXXXXX XXX.XXX | XXXX | Investment | Purchase | NA | 8017020 | N/A | N/A | |||
| XXXX | XXXX | 10232949 | Closed | 2026-03-06 08:29 | 2026-03-11 09:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Lender provided purchase contract. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing The contract in the file uploads is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided purchase contract. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7971600 | N/A | N/A | |||
| XXXX | XXXX | 10232949 | Closed | 2026-03-06 08:22 | 2026-03-11 09:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Lender provided the hazard insurance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy The hazard insurance in the file uploads is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided the hazard insurance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX.XXX | XXXX | Investment | Purchase | NA | 7971477 | N/A | N/A | |||
| XXXX | XXXX | 10232949 | Closed | 2026-03-06 08:24 | 2026-03-11 08:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Lender provided the title commitment. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing The title in the file uploads is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided the title commitment. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX_XXXXX.XXX | XXXX | Investment | Purchase | NA | 7971506 | N/A | N/A | |||
| XXXX | XXXX | 10232715 | Closed | 2026-03-09 05:52 | 2026-03-19 03:43 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Finding added for Borrowing Entity/Individual has insufficient Experience; Borrower is experienced , unable to verify houisng experience, asked for property report, we have property report on pg XXX in file, which covers borrower housing experience eligibility, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND Finding PLEASE - Please refer to page XXX which is the property profile that corresponds to the loan application. This property which is also the subject property has been owned for more than XX months and supports experience. - Seller-XX/XX/XXXX Open-As per XXXX Loan is Experience however unable to verify whether any properties owned or sold within past XX months, need supporting doc for experience property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND Finding PLEASE - Please refer to page XXX which is the property profile that corresponds to the loan application. This property which is also the subject property has been owned for more than XX months and supports experience. - Seller-XX/XX/XXXX |
Resolved-Finding added for Borrowing Entity/Individual has insufficient Experience; Borrower is experienced , unable to verify houisng experience, asked for property report, we have property report on pg XXX in file, which covers borrower housing experience eligibility, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 7991723 | N/A | N/A | ||||
| XXXX | XXXX | 10232859 | Closed | 2026-03-06 09:41 | 2026-03-11 16:06 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved-The lease agreements are provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded both leases and addendums - Seller-XX/XX/XXXX Open-The lease agreements are missing. The lease agreements in zip folder will not open. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded both leases and addendums - Seller-XX/XX/XXXX |
Resolved-The lease agreements are provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX.XXX XXXXXXX_XXXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7973982 | N/A | N/A | |||
| XXXX | XXXX | 10232933 | Closed | 2026-03-06 07:19 | 2026-03-19 09:39 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Explanation of the page XXX aligns with the signatures and documents. - Due Diligence Vendor-XX/XX/XXXX Counter-Pg XXX states the member capital contribution and units, but this is not the same as X of ownership. Missing X of ownership for each member. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the number of units of the entity that each member owns and correlates to the percentage owned. - Seller-XX/XX/XXXX Open-The operating agreement for XXXX does not state the X of ownership for each member. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the number of units of the entity that each member owns and correlates to the percentage owned. - Seller-XX/XX/XXXX |
Resolved-Explanation of the page XXX aligns with the signatures and documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7970115 | N/A | N/A | ||||
| XXXX | XXXX | 10232933 | Closed | 2026-03-06 07:18 | 2026-03-11 08:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Lender provided lease agreements. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded lease agreements for both units - Seller-XX/XX/XXXX Open-The lease agreements for the subject property are not readable in the file upload. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded lease agreements for both units - Seller-XX/XX/XXXX |
Resolved-Lender provided lease agreements. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX #XX.XXX XXXXXXX_XXXXX #XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7970109 | N/A | N/A | |||
| XXXX | XXXX | 10232933 | Closed | 2026-03-06 06:11 | 2026-03-11 08:36 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Lender provided updated credit memo showing X experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting zero properties - Seller-XX/XX/XXXX Open-The credit memo reflects the borrower has one property experience (but in the comments state X property experience), but the application reflects the borrower has no property experience. The subject property was purchased X/XX/XX according to the appraisal so is not XX months from the note date of X/XX/XX. Either missing a credit memo showing no experience or proof of another property borrower has at least XX months of ownership in. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting zero properties - Seller-XX/XX/XXXX |
Resolved-Lender provided updated credit memo showing X experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7968409 | N/A | N/A | |||
| XXXX | XXXX | 10232933 | Closed | 2026-03-05 04:31 | 2026-03-11 08:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided credit report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Credit report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided credit report. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7937755 | N/A | N/A | |||
| XXXX | XXXX | 10232382 | Closed | 2026-03-13 15:57 | 2026-03-19 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Lease - Seller-XX/XX/XXXX Open-The Lease Agreement in Zip Folder will not open. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Lease - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8107695 | N/A | N/A | |||
| XXXX | XXXX | 10232382 | Closed | 2026-03-13 15:57 | 2026-03-19 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy The Hazard Insurance Policy in Zip Folder will not open. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX_XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8107696 | N/A | N/A | |||
| XXXX | XXXX | 10232520 | Closed | 2026-03-27 10:26 | 2026-04-23 07:05 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-The client provided evidence that the rent loss coverage is for XX months. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the page from the full policy where it states the Rent Loss of XX months. Policy # XXX XXX XXX - Seller-XX/XX/XXXX Open-The loan file contains a copy of the HOI Dec page and shows that rent loss coverage is included however it does not state what the terms of the rent loss coverage so therefore it can't be determined if rent loss coverage is sufficient. The loan file is missing evidence of terms of the rent loss coverage to support sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the page from the full policy where it states the Rent Loss of XX months. Policy # XXX XXX XXX - Seller-XX/XX/XXXX |
Resolved-The client provided evidence that the rent loss coverage is for XX months. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX_XXXXXXXXXXXXX.XXX XXXXXXX_XXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8361772 | N/A | N/A | |||
| XXXX | XXXX | 10232880 | Closed | 2026-03-11 09:27 | 2026-03-19 05:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Bank statements provided cures X month requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded XXXX XXXXXXX X/X and X of X #XXXX statements which verify enough funds for reserves. - Seller-XX/XX/XXXX Open-As per Matrix XX/XX/XX, page X/XX, with a Credit Score less than XXX, Cash out proceeds may not be used to satisfy reserve requirements regardless of LTV. X months reserves required, X.XX months reserves in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded XXXX XXXXXXX X/X and X of X #XXXX statements which verify enough funds for reserves. - Seller-XX/XX/XXXX |
Resolved-Bank statements provided cures X month requirement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X XX X #XXXX XXXXXXXXX.XXX XXXXXXX_XXXX XXXXXX XXXXXX XXXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8048909 | N/A | N/A | |||
| XXXX | XXXX | 10232880 | Closed | 2026-03-11 08:47 | 2026-03-11 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Open-The Lease Agreement in Zip Folder cannot be opened. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8046722 | N/A | N/A | |||||
| XXXX | XXXX | 10232900 | Closed | 2026-03-06 23:09 | 2026-03-19 05:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Please provide pre close credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX.XXX XXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 7984088 | N/A | N/A | |||
| XXXX | XXXX | 10232900 | Closed | 2026-03-06 22:57 | 2026-03-09 12:52 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Acknowledged. - Due Diligence Vendor-XX/XX/XXXX Open-Per XXX XXX.XXx(X)(x), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. The prepayment penalty on the loan is X%, X%, X%, X%, X%. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 7984069 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10232861 | Closed | 2026-03-12 08:42 | 2026-03-24 07:45 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Post Disaster Inspection provided for the subject property. No damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Post Disaster Inspection provided for the subject property. No damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXXXXX - XXXX XXXXX XXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8071160 | N/A | N/A | |||
| XXXX | XXXX | 10232861 | Closed | 2026-03-10 00:47 | 2026-03-19 02:18 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Finding added for Borrowing Entity/Individual has insufficient Experience; per loan application and credit memo in file, Borrower is experienced, but no reo's or property reports in file, asked for same, provided updated Credit memo with No experience, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit memo reflecting no experience since the one property owned has been for less than XX months at the time of the loan application - Seller-XX/XX/XXXX Open-As per XXXX Loan is Experience however unable to verify whether any properties owned or sold within past XX months, need supporting doc for experience property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit memo reflecting no experience since the one property owned has been for less than XX months at the time of the loan application - Seller-XX/XX/XXXX |
Resolved-Finding added for Borrowing Entity/Individual has insufficient Experience; per loan application and credit memo in file, Borrower is experienced, but no reo's or property reports in file, asked for same, provided updated Credit memo with No experience, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8011890 | N/A | N/A | |||
| XXXX | XXXX | 10232831 | Closed | 2026-03-12 12:50 | 2026-03-25 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated Credit Memo provided with LTV of XX.XXX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with correct LTV - Seller-XX/XX/XXXX Counter-Credit Memo provided in file reflects borrower underwritten at XX% LTV. Actual calculation of XX.XX%. Updated Credit Memo requested to show XX.XX% LTV to confirm pricing/approval. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX-XXX which contain the Credit Memo - Seller-XX/XX/XXXX Open-XXXX Document is Missing Credit Memo provided in file reflects approved pricing off of XX% LTV. Actual calculated LTV of XX.XX%. Confirm pricing/approval based off of XX.XX% LTV. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with correct LTV - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX-XXX which contain the Credit Memo - Seller-XX/XX/XXXX |
Resolved-Updated Credit Memo provided with LTV of XX.XXX%. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8078842 | N/A | N/A | |||
| XXXX | XXXX | 10232953 | Closed | 2026-03-12 12:53 | 2026-03-18 07:58 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-As per management, called XXXXXX at XXX-XXX-XXXX and spoke with XXXXXX. On their policies loss of use is the same as rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Rescind Finding. Rent Loss and Loss of Use are the same. Escalate to management. - Seller-XX/XX/XXXX Open-As per the guideline XX.X.XX | RENT LOSS INSURANCE COVERAGE XXX requires rent loss coverage, equaling the lesser of: A minimum of X- months of market rents or, XX% of the dwelling coverage amount. The loan file contains the dec page for the HOI and it shows loss of use coverage however this is not the same as rent loss coverage. The loan file is missing evidence of rent loss insurance for X months on PITIA payments or XX% of the dwelling coverage amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Rescind Finding. Rent Loss and Loss of Use are the same. Escalate to management. - Seller-XX/XX/XXXX |
Resolved-As per management, called XXXXXX at XXX-XXX-XXXX and spoke with XXXXXX. On their policies loss of use is the same as rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8078915 | N/A | N/A | ||||
| XXXX | XXXX | 10232953 | Closed | 2026-03-10 10:22 | 2026-03-18 06:51 | Acknowledged | 2 - Non-Material | C | B | Compliance | State Reg | PA Prepayment Penalty Prohibited | Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8023985 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10232633 | Closed | 2026-03-11 15:50 | 2026-03-30 06:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Rescind Finding ~ Per XXX guidelines of XX days remaining - the policy is sufficient as is. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided The HOI policy page XXX shows active for less than X months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Rescind Finding ~ Per XXX guidelines of XX days remaining - the policy is sufficient as is. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8057086 | N/A | N/A | ||||
| XXXX | XXXX | 10232546 | Closed | 2026-03-10 12:44 | 2026-03-24 07:22 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Post Disaster Inspection report provided for the subject property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Post Disaster Inspection report provided for the subject property. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXXXXX - XXX XXXXXX XXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8028217 | N/A | N/A | |||
| XXXX | XXXX | 10232846 | Closed | 2026-03-12 01:28 | 2026-03-18 07:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy The guideline under X.X | PROPERTY INSURANCE states a hazard insurance policy protecting against loss or damage from fire, wind, or other natural disasters is required for all secured collateral. The loan file is missing the HOI policy with sufficient coverage and rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX_ XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8062370 | N/A | N/A | |||
| XXXX | XXXX | 10232410 | Closed | 2026-03-16 11:16 | 2026-03-30 06:33 | Resolved | 1 - Information | B | A | Credit | Credit | Lease End Date was prior to Note Date | Resolved-The client provided evidence that leases automatically convert to month to month. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the uploaded statute form the Attorney General of Maryland which states that a renewal is not required. - Seller-XX/XX/XXXX Open-The lease reflects a start date of XX/XX/XXXX and end date is XX/X/XXXX. The renewal clause states upon giving written notice no later than XX days before the expiration of the term of this Lease, the Tenant may renew this Lease for an additional term. Missing updated lease with correct end term or renewal extending the lease. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the uploaded statute form the Attorney General of Maryland which states that a renewal is not required. - Seller-XX/XX/XXXX |
Resolved-The client provided evidence that leases automatically convert to month to month. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8131846 | N/A | N/A | |||
| XXXX | XXXX | 10232794 | Closed | 2026-03-11 23:26 | 2026-03-24 14:24 | Waived | 2 - Non-Material | C | B | Credit | Assets Insufficient | Assets are not sufficient to close | Waived-Lender provided exception for being short reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the uploaded Credit Memo from the file which reflects an approved exception for reserve shortage. Please note that funds received from the rate/term refi are factored in since guidelines do not prohibit this and those funds are legally the borrowers. - Seller-XX/XX/XXXX Open-Per the matrix dated XX/XX/XX, X-months reserves required if property is not leased/vacant prior to funding. PITIA is $X,XXX.XX*X= $X,XXX.XX required. Using XXXXX XXXXX acct #XXXX with balance of $X,XXX.XX gives a deficit of -$X,XXX.XX. Per guidelines dated XX/XX/XX, for a rate and term refinance with a DSCR greater than X, there is no mention of cash out from a rate/term refinance being available for use for reserves. Even including the cash out of $X,XXX.XX gives total assets of $X,XXX.XX and the loan is still short -$XXX.XX. There is also a Jan XXXXXX document in the file upload that is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the uploaded Credit Memo from the file which reflects an approved exception for reserve shortage. Please note that funds received from the rate/term refi are factored in since guidelines do not prohibit this and those funds are legally the borrowers. - Seller-XX/XX/XXXX |
Waived-Lender provided exception for being short reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXX Representative credit score exceeds the minimum required of XXX by XX points. DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8061701 | Investor Post-Close | No | ||
| XXXX | XXXX | 10232868 | Closed | 2026-03-11 22:38 | 2026-03-19 10:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX XXXXXXX_XXX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8060932 | N/A | N/A | |||
| XXXX | XXXX | 10232837 | Closed | 2026-03-13 13:37 | 2026-04-03 08:30 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-The client has provided indication of XX months sustained loss of use coverage. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The hazard insurance policy includes business income coverage but the policy and the addendum do not give a dollar amount or number of months included to verify the coverage is adequate. Missing a dollar amount or number of months included. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. “business income” on the policy is same as rent loss. - Seller-XX/XX/XXXX Open-Per the matrix dated XX/XX/XXXX, rent loss coverage is required for loan terms greater than two years equaling the lesser of: X. A minimum of X- months of market rents, or X. XX% of the dwelling coverage amount, excluding any extra replacement cost coverage. The hazard insurance policy includes business income coverage but the policy and the addendum do not give a dollar amount or number of months included to verify the coverage is adequate. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. “business income” on the policy is same as rent loss. - Seller-XX/XX/XXXX |
Resolved-The client has provided indication of XX months sustained loss of use coverage. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX.XXX XXXXXXX_XXX XXX.XXX XXXXXXX_XXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8104492 | N/A | N/A | |||
| XXXX | XXXX | 10232837 | Closed | 2026-03-13 13:23 | 2026-03-18 06:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Lender provided a copy of the Rent Range. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Rent Range - Seller-XX/XX/XXXX Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Per the matrix dated XX/XX/XXXX, third-party market rents from approved vendor or appraiser used to validate rents. Missing third party market rents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Rent Range - Seller-XX/XX/XXXX |
Resolved-Lender provided a copy of the Rent Range. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8104210 | N/A | N/A | |||
| XXXX | XXXX | 10232814 | Closed | 2026-03-16 09:14 | 2026-03-24 19:17 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-PDI report provided with no signs of damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-PDI report provided with no signs of damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXX - XXX XXXXXXXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8128415 | N/A | N/A | |||
| XXXX | XXXX | 10232863 | Closed | 2026-03-16 10:22 | 2026-04-08 06:11 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-The client has provided a copy of the XXXXX State XXXX statement reflecting a balance sufficient to cover CTC and reserves. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The provided statement of X XXXXXX XXXXXXXXXX III XXX for Acct XXXX lists an end balance of $X,XXX.XX on X/XX/XXXX. The borrower is required to bring $X,XXX.XX to close to cover the reserve requirement. The file is missing documentation to reflect the $ XX,XXX.XX in Verified Assets listed on the Credit Memo. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client has provided a copy of the XXXXX State XXXX statement reflecting a balance sufficient to cover CTC and reserves. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX XXXXX XXXX XXXXXXXXX.XXX XXXXXXX _XXXXXX XXXXX.XXX XXXXXXX_XXXXX XXXXX XXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8130225 | N/A | N/A | |||
| XXXX | XXXX | 10232923 | Closed | 2026-03-11 03:33 | 2026-03-13 10:41 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8036726 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10232704 | Closed | 2026-03-16 08:54 | 2026-03-19 15:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of insurance provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Unable to open hazard insurance declaration page found in file to confirm coverage amount and loss of rents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of insurance provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX_XXXXXXXX.XXX XXXXXXX_XXX_XXXXXXX_XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8127395 | N/A | N/A | |||
| XXXX | XXXX | 10232521 | Closed | 2026-03-16 07:11 | 2026-03-24 11:19 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Property Disaster Inspection received dated after end date of disaster. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Disaster Inspection received dated after end date of disaster. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXX - XXX XXXXXXXX XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8123880 | N/A | N/A | |||
| XXXX | XXXX | 10232646 | Closed | 2026-03-12 18:18 | 2026-04-07 07:31 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Updated credit memo provided reflecting no experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Warranty Deed which X/X/XX and Credit Memo reflecting ownership of one property and no experience - Seller-XX/XX/XXXX Open-Credit Memo reflects loan underwritten as 'Experience' however no properties verified in the past XX-months. Per guidelines X.X, borrower to show X property exits or X with a minimum of XX- months ownership. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Warranty Deed which X/X/XX and Credit Memo reflecting ownership of one property and no experience - Seller-XX/XX/XXXX |
Resolved-Updated credit memo provided reflecting no experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX XXXXXXXXXX_XXXXXXXX XXXX XXX XXXXXXXX XX XXXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8085048 | N/A | N/A | |||
| XXXX | XXXX | 10200579 | Closed | 2026-03-12 23:10 | 2026-03-27 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached the two invoices one for the property insurance for all locations $X,XXX.XX and Premises Liability total premium listed as $XXXX.XX total combined annual premium is $XXXXX.XX for the year for all locations. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Insurance Document Provided in XXXX-XXXX was not reflecting any premium amount - Invoice Provided in PG# XXXX was not matching with Policy Number Please Update insurance Documnt - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached the two invoices one for the property insurance for all locations $X,XXX.XX and Premises Liability total premium listed as $XXXX.XX total combined annual premium is $XXXXX.XX for the year for all locations. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8087184 | N/A | N/A | |||
| XXXX | XXXX | 10200579 | Closed | 2026-03-13 07:06 | 2026-03-27 06:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Pages X & X are blanks hence not included, revised documet uploaded. - Seller-XX/XX/XXXX Open-The Note is Incomplete Pages X and X of the X page Note are missing from the loan file. Please provide the missing pages. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Pages X & X are blanks hence not included, revised documet uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8093216 | N/A | N/A | |||
| XXXX | XXXX | 10200594 | Closed | 2026-03-13 09:19 | 2026-04-15 08:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 10 Less Than 2 Months Verified | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statements for account XXXX uploaded. - Seller-XX/XX/XXXX Counter-Both of these statements are already in file for XXXXX #XXXX. We need two statements for XXXXX #XXXX. We only have a history for #XXXX from January XXth to February XXth. No actual statements in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statements uploaded. - Seller-XX/XX/XXXX Counter-Statement is for January and history only goes until XX/XX. Still short full XX days. Provide second statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Jan month statement for account XXXX uploaded. - Seller-XX/XX/XXXX Open-XXXXX account #XXXX only has a history. Need two months consecutive statements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Statements for account XXXX uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Statements uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Jan month statement for account XXXX uploaded. - Seller-XX/XX/XXXX |
XXX XXXXXXXXX.XXX XXXXXXXX-XXXXXXXXXX-XXXX- (X).XXX XXXXXXXX-XXXXXXXXXX-XXXX-.XXX XXXXXXXX-XXXXXXXXXX-XXXX- (X).XXX XXXX XXXXXXXXX - XXX (X).XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8097036 | N/A | N/A | ||||
| XXXX | XXXX | 10200612 | Closed | 2026-03-17 07:54 | 2026-04-22 15:37 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal | Resolved-The receipt of the secondary appraisal was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary exterior report uploaded. - Seller-XX/XX/XXXX Open-LTV XX%. Missing Second XXXX or XXXX Exterior. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary exterior report uploaded. - Seller-XX/XX/XXXX |
Resolved-The receipt of the secondary appraisal was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8149596 | N/A | N/A | |||
| XXXX | XXXX | 10200612 | Closed | 2026-03-16 19:18 | 2026-03-27 06:22 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved. Posted as data discrepancy to the investor. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the Calculated DSCR of X.XXX, Please post this as a data discrepancy to the investor. - Seller-XX/XX/XXXX Open-Originator DSCR of X.XXX based on Rent $X,XXX/PITI $X,XXX.XX. Calculated DSCR of X.XXX based on Rent $X,XXX/PITI $X,XXX.XX. Per review of tax documents in the file, the tax bill used by the lender is for another property (page#XXX) in the annual amount of $XXX.XX for a monthly amount of $XX.XX. The correct tax bill is reflected on (page#XXX) with an annual amount of $X,XXX.XX for a monthly amount of $XXX.XX, verified the tax number with the title commitment (page#XXX) and the appraisal (page#XX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the Calculated DSCR of X.XXX, Please post this as a data discrepancy to the investor. - Seller-XX/XX/XXXX |
Resolved-Resolved. Posted as data discrepancy to the investor. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8141251 | N/A | N/A | ||||
| XXXX | XXXX | 10200612 | Closed | 2026-03-13 02:13 | 2026-03-24 01:09 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard insurance coverage is less than loan amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached RCE - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached RCE - Seller-XX/XX/XXXX |
Resolved-Hazard insurance coverage is less than loan amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8088082 | N/A | N/A | |||
| XXXX | XXXX | 10200619 | Closed | 2026-03-12 07:01 | 2026-03-20 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit Page XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-BPA is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit is missing a guarantor signature. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Purpose Affidavit Page XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-BPA is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8068125 | N/A | N/A | |||
| XXXX | XXXX | 10200619 | Closed | 2026-03-12 07:12 | 2026-03-20 09:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Deed of Trust, all pages. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. MTG uploaded including the missing pages. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete First Page of DOT is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. MTG uploaded including the missing pages. - Seller-XX/XX/XXXX |
Resolved-Deed of Trust, all pages. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8068293 | N/A | N/A | |||
| XXXX | XXXX | 10200631 | Closed | 2026-03-17 09:42 | 2026-04-02 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Lease Agreement received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lease uploaded for unit X. - Seller-XX/XX/XXXX Open-Per operating income statement all X units are rented, however X lease agreements were provided. Missing lease agreement for unit #X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Lease uploaded for unit X. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Lease Agreement received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8155260 | N/A | N/A | |||
| XXXX | XXXX | 10200642 | Closed | 2026-03-17 13:10 | 2026-04-16 07:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-addt'l asset received/resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX Counter-December & January statements for accounts #XXXX & #XXXX received, however they were already in the file along with the newer February XXth statements (#XXXX has $X,XXX.XX and #XXXX had $XX.XX). Audit is using these statements because they are before the Note/Closing date of X/XX/XXXX, and they do not have enough of a balance to cover the needed reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Calculated reserves for X months + cash to close = XX,XXX.XX, uploaded statement with balance of more than $XXXXX - Seller-XX/XX/XXXX Open-X months of required Reserves are short by X month. Provide additional assets - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Calculated reserves for X months + cash to close = XX,XXX.XX, uploaded statement with balance of more than $XXXXX - Seller-XX/XX/XXXX |
Resolved-addt'l asset received/resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXXXX.XXX XXXX XXXXXXXXX - XXXXXXX (X).XXX XXXXXXXXX XXX XXXXXXXXX.XXX XXXXXXXXX XXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8161835 | N/A | N/A | |||
| XXXX | XXXX | 10200648 | Closed | 2026-03-13 03:25 | 2026-03-27 10:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Settlement Statement uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The loan file contains the Estimated Refinance Statement on page XXXX. The Final Settlement Statement is missing. Please provide the final closing document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Settlement Statement uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8088524 | N/A | N/A | |||
| XXXX | XXXX | 10232476 | Closed | 2026-03-17 05:26 | 2026-05-13 07:26 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Updated credit memo reflecting an exception for a DSCR ratio between .X and X.X with an LTV of XX%. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting an approved exception for DSCR - - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Per Guideline matrix for a loan with a DSCR between X.XX and X.X the maximum allowable LTV is XX%. Current audited LTV is XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting an approved exception for DSCR - - Seller-XX/XX/XXXX |
Waived-Updated credit memo reflecting an exception for a DSCR ratio between .X and X.X with an LTV of XX%. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXX Representative credit score exceeds the minimum required of XXX by XX points $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. XxXX mortgage history for XX months. |
XXXX | Investment | Refinance | Cash Out - Other | 8146274 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10232628 | Closed | 2026-03-19 07:59 | 2026-04-07 07:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-The client provided the lease for $XXXX and not the $XXXX that was used to qualify. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded lease - Seller-XX/XX/XXXX Counter-As per the guidelines, a lease is required if the subject is rented prior to funding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX which contains the addendum that states there is a written rental agreement for $X,XXX per month. Additionally, a credit to the borrower for the security deposit is reflected on the final HUD. Since this is a purchase, nothing else is required. - Seller-XX/XX/XXXX Open-The guideline XX.X.X, LTR Documentation Requirements, states that the loan file must contain a copy of the fully executed current lease agreements(s) when property is leased prior to funding. The loan file only contains an addendum to the sales contracting stating the amount of the lease. The loan file is missing the lease for unit X at $X,XXX per month. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded lease - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX which contains the addendum that states there is a written rental agreement for $X,XXX per month. Additionally, a credit to the borrower for the security deposit is reflected on the final HUD. Since this is a purchase, nothing else is required. - Seller-XX/XX/XXXX |
Resolved-The client provided the lease for $XXXX and not the $XXXX that was used to qualify. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX _XXXXX.XXX | XXXX | Investment | Purchase | NA | 8209524 | N/A | N/A | |||
| XXXX | XXXX | 10232628 | Closed | 2026-03-19 08:04 | 2026-04-01 06:16 | Resolved | 1 - Information | C | A | Credit | Credit | Assignment of Rents Document is missing | Resolved-The client has stated that the sales contract addendum and transfer on the settlement statement is acceptable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX which contains the addendum that states there is a written rental agreement for $X,XXX per month. Additionally, a credit to the borrower for the security deposit is reflected on the final HUD. Since this is a purchase, nothing else is required. An assignment of rents is not required. - Seller-XX/XX/XXXX Open-The guideline XXX, Tenant lease documentation - purchase transactions, states that if the lease is being transferred to the borrower at closing then an Assignment of Lease Agreement - legal transfer of landlord rights from seller to borrower/sponsor is required. The loan file is missing the assignment if of the lease agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX which contains the addendum that states there is a written rental agreement for $X,XXX per month. Additionally, a credit to the borrower for the security deposit is reflected on the final HUD. Since this is a purchase, nothing else is required. An assignment of rents is not required. - Seller-XX/XX/XXXX |
Resolved-The client has stated that the sales contract addendum and transfer on the settlement statement is acceptable. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8209642 | N/A | N/A | ||||
| XXXX | XXXX | 10232628 | Closed | 2026-03-18 01:56 | 2026-03-31 03:02 | Resolved | 1 - Information | C | A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Requested Purchase Addendum Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded purchase price amendment - Seller-XX/XX/XXXX Open-The loan file contains a copy of the executed contract however it is missing the addendum lowering the sales price. The sales contact states the sale price is $XXX,XXX while the settlement statement shows a sales price of $XXX,XXX. The loan file is missing the fully executed addendum lowering the sales price to $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded purchase price amendment - Seller-XX/XX/XXXX |
Resolved-Requested Purchase Addendum Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX XXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8176610 | N/A | N/A | |||
| XXXX | XXXX | 10232385 | Closed | 2026-03-25 00:30 | 2026-04-20 05:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested Flood Cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Flood Certificate The flood certificate is present in the file uploads; however, the document is currently unable to be opened. Missing flood cert. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Flood Cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8305366 | N/A | N/A | |||
| XXXX | XXXX | 10232758 | Closed | 2026-03-24 05:54 | 2026-03-31 09:49 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXX Completion Report is Missing The provided appraisal was completed subject to a licensed structural inspection. However, a XXXX confirming the inspection's completion was not provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX_XXXXXXXXX_XXXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8284311 | N/A | N/A | |||
| XXXX | XXXX | 10232488 | Closed | 2026-03-24 08:27 | 2026-03-31 06:12 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The client has provided the page number for a HUD X to show the borrowers ownership experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the final HUD from the purchase of XXXX on XX/X/XX. This establishes ownership of this property to support experience. The county recorder is apparently behind which is not unsual for most municipalities. - Seller-XX/XX/XXXX Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file contains X property reports to show the borrowers experience however the property report for XXXX X XXXX does not show the borrower as a past or present owner. The loan file is missing evidence of the borrowers X property experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the final HUD from the purchase of XXXX on XX/X/XX. This establishes ownership of this property to support experience. The county recorder is apparently behind which is not unsual for most municipalities. - Seller-XX/XX/XXXX |
Resolved-The client has provided the page number for a HUD X to show the borrowers ownership experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8288241 | N/A | N/A | ||||
| XXXX | XXXX | 10232749 | Closed | 2026-03-25 02:13 | 2026-04-06 08:05 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | PA Prepayment Penalty Prohibited | Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8306047 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10232407 | Closed | 2026-04-03 11:15 | 2026-04-13 05:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The previously provided is the estimated Settlement Statement - not the Final. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The file is missing a copy of the Final Settlement Statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX.XXX XXXXXXXXXX_XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8478834 | N/A | N/A | |||
| XXXX | XXXX | 10232407 | Closed | 2026-03-27 03:25 | 2026-04-03 02:56 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Notice of Special Flood Hazards Disclosure is Incomplete | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Requested Signed NOTICE OF SPECIAL FLOOD HAZARDS DISCLOSURE provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Notice of Special Flood Hazard (pg XXX) is not signed or dated - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX XXXXXX XX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8353875 | N/A | N/A | ||||
| XXXX | XXXX | 10232691 | Closed | 2026-03-26 13:08 | 2026-04-13 08:01 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Borrower experience confirmed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the REO schedule and pages XXX - XXX which contain two property profiles which verify current ownership since XXXX and support experience - Seller-XX/XX/XXXX Open-Credit Memo indicates loan underwritten with borrower experience, however no properties verified in the past XX months. Per guidelines, borrower must display X properties or X property with a minimum of XX- months ownership. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XX/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the REO schedule and pages XXX - XXX which contain two property profiles which verify current ownership since XXXX and support experience - Seller-XX/XX/XXXX |
Resolved-Borrower experience confirmed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8343029 | N/A | N/A | ||||
| XXXX | XXXX | 10232525 | Closed | 2026-03-24 00:24 | 2026-04-16 09:46 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXX,XXX received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Dwelling coverage is less than the loan amount, required replacement cost value doc or Guaranteed Replacement Coverage doc. to cover the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXX,XXX received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8280523 | N/A | N/A | |||
| XXXX | XXXX | 10232553 | Closed | 2026-03-24 06:25 | 2026-04-02 03:08 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Reo Schedule in file along with property report which meets borrower ownership Experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the REO schedule and pages XXX - XXX which contain the property profile for the subject which reflects ownership greater than XX months. - Seller-XX/XX/XXXX Open-As per XXXX borrower is experienced. Provide supporting documents - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the REO schedule and pages XXX - XXX which contain the property profile for the subject which reflects ownership greater than XX months. - Seller-XX/XX/XXXX |
Resolved-Reo Schedule in file along with property report which meets borrower ownership Experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8284937 | N/A | N/A | ||||
| XXXX | XXXX | 10232626 | Closed | 2026-03-24 02:53 | 2026-04-07 03:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Credit Memo | Resolved-Updated credit memo provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct guideline version date - Seller-XX/XX/XXXX Open-Credit memo doc is in file Which is on page #XXX . But Version shows incorrect as XX/XX/XXXX need corrected version doc. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct guideline version date - Seller-XX/XX/XXXX |
Resolved-Updated credit memo provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8282089 | N/A | N/A | |||
| XXXX | XXXX | 10232433 | Closed | 2026-03-25 02:28 | 2026-04-13 07:14 | Resolved | 1 - Information | C | A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-Articles of Organization provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X XX - Uploading Articles of Organization for XXXXXX XXXXXX XXXXXXXXXXX XXX - Seller-XX/XX/XXXX Counter-Page XXX provides the certificate of good standing. Pages X-XX do not contain the articles of organization (appraisal/bank statements). Certificate of Corp./LLC Formation or Articles of Organization not in file - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX & X - XX which contain the Articles of Organization - Seller-XX/XX/XXXX Open-Certificate of Corp./LLC Formation or Articles of Organization not in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X XX - Uploading Articles of Organization for XXXXXX XXXXXX XXXXXXXXXXX XXX - Seller-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX & X - XX which contain the Articles of Organization - Seller-XX/XX/XXXX |
Resolved-Articles of Organization provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXX XX XXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8306087 | N/A | N/A | |||
| XXXX | XXXX | 10232433 | Closed | 2026-03-25 13:59 | 2026-04-03 09:50 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Increase in Value of $XX,XXX (prior sale of $XX,XXX on XX/X/XXXX and appraised value of $XXX,XXX on X/X/XXXX supported by prior listing photos and appraised photos. Updated kitchen, baths, windows, paint and fixtures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - RESCIND FINDING PLEASE - Please refer to page one of the appraisal in the improvements section which states that updates have been done less than one year and supports upgrades being done after the borrower purchased the subject. - Seller-XX/XX/XXXX Open-Per guidelines X.XX, cash-out refinance transactions that have been owned less than X months state if appraised value is greater than the acquisition price, then as-is appraised value may be used only when subject property improvements have been made after acquisition and are verified by XXXX appraiser comments, borrower/sponsor or general contractor provided scope of work, receipts/invoices, photos, etc. Property acquired XX/X/XXXX. Scope of work, receipts/invoices or photos not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - RESCIND FINDING PLEASE - Please refer to page one of the appraisal in the improvements section which states that updates have been done less than one year and supports upgrades being done after the borrower purchased the subject. - Seller-XX/XX/XXXX |
Resolved-Increase in Value of $XX,XXX (prior sale of $XX,XXX on XX/X/XXXX and appraised value of $XXX,XXX on X/X/XXXX supported by prior listing photos and appraised photos. Updated kitchen, baths, windows, paint and fixtures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8319706 | N/A | N/A | ||||
| XXXX | XXXX | 10232464 | Closed | 2026-03-23 22:51 | 2026-03-24 09:50 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8279389 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10232780 | Closed | 2026-03-26 10:49 | 2026-04-15 06:57 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded fully executed GRL - Seller-XX/XX/XXXX Open-Property Title Issue The Title is Leasehold. The file is missing a Ground Rent Redemption Deed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded fully executed GRL - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXX XXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8338660 | N/A | N/A | |||
| XXXX | XXXX | 10232677 | Closed | 2026-03-23 02:33 | 2026-04-21 09:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Provided title report for the wrong property address (XXXX XXXXXXXX XXXXX). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing Title Report missing from file. Title found in file for incorrect property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8256718 | N/A | N/A | |||
| XXXX | XXXX | 10232677 | Closed | 2026-03-24 20:58 | 2026-04-02 08:14 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Increase in Value of $XX,XXX (prior sale of $XX,XXX on XX/XX/XXXX and appraised value of $XXX,XXX on XX/XX/XXXX supported by prior listing photos and appraised photos. Updated kitchen, baths, flooring and paint. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to the first page of the appraisal which states that upgrades have been done to the subject property less than one year ago. Please refer to the uploaded listing that is uploaded which shows the previous condition of the property and supports upgrades since the borrower purchased this property. - Seller-XX/XX/XXXX Open-Per guidelines X.XX, cash-out refinance transactions that have been owned less than X months state if appraised value is greater than the acquisition price, then as-is appraised value may be used only when subject property improvements have been made after acquisition and are verified by XXXX appraiser comments, borrower/sponsor or general contractor provided scope of work, receipts/invoices, photos, etc. Property acquired XX/XX/XXXX. Scope of work, receipts/invoices or photos not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to the first page of the appraisal which states that upgrades have been done to the subject property less than one year ago. Please refer to the uploaded listing that is uploaded which shows the previous condition of the property and supports upgrades since the borrower purchased this property. - Seller-XX/XX/XXXX |
Resolved-Increase in Value of $XX,XXX (prior sale of $XX,XXX on XX/XX/XXXX and appraised value of $XXX,XXX on XX/XX/XXXX supported by prior listing photos and appraised photos. Updated kitchen, baths, flooring and paint. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX XXXXXXXXX XX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8304281 | N/A | N/A | |||
| XXXX | XXXX | 10232910 | Closed | 2026-03-25 11:48 | 2026-04-06 09:46 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit Memo provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct guideline version date - Seller-XX/XX/XXXX Open-The Credit Memo page XXX shows Guidelines dated XX/XX/XX were used. The guidelines XX/XX/XX are missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct guideline version date - Seller-XX/XX/XXXX |
Resolved-Updated Credit Memo provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8316860 | N/A | N/A | |||
| XXXX | XXXX | 10232565 | Closed | 2026-03-25 01:49 | 2026-04-07 06:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Confirmed BX owns XXXXXXX XXXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded XXXXXX January statement with an ending balance of $XXX,XXX - Seller-XX/XX/XXXX Open-Guideline section X.X.X Post-closing reserves for a purchase requires X months of PITIA in reserves plus the funds needed for closing. Verified assets in file XXXXXXX bank (XXXX) $X,XXX.XX statement date of XX/XX/XXXX, XXXXXXXXXX (XXXX) $XX,XXX.XX statement date XX/XX/XXXX, XXXXXX XXXX (XXXX) $X,XXX.XX Statement date XX/XX/XXXX, and XXXXXX (XXXX) $X,XXX.XX statement date of XX/XX/XXXX (LOE to source large deposits after this statement unable to use without a full statement). Total verified assets $XX,XXX.XX. Funds required for closing $XX,XXX.XX and funds for reserves $X,XXX.XX total funds required $XX,XXX.XX Shortfall of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded XXXXXX January statement with an ending balance of $XXX,XXX - Seller-XX/XX/XXXX |
Resolved-Confirmed BX owns XXXXXXX XXXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXX XXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8305935 | N/A | N/A | |||
| XXXX | XXXX | 10232565 | Closed | 2026-03-26 15:48 | 2026-04-07 06:57 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Confirmed BX owns XXXXXXX XXXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded XXXXXX January statement with an ending balance of $XXX,XXX - Seller-XX/XX/XXXX Open-Guideline section X.X.X Post-closing reserves for a purchase requires X months of PITIA in reserves plus the funds needed for closing. Verified assets in file XXXXXXX bank (XXXX) $X,XXX.XX statement date of XX/XX/XXXX, XXXXXXXXXX (XXXX) $XX,XXX.XX statement date XX/XX/XXXX, XXXXXX XXXX (XXXX) $X,XXX.XX Statement date XX/XX/XXXX, and XXXXXX (XXXX) $X,XXX.XX statement date of XX/XX/XXXX (LOE to source large deposits after this statement unable to use without a full statement). Total verified assets $XX,XXX.XX. Funds required for closing $XX,XXX.XX and funds for reserves $X,XXX.XX total funds required $XX,XXX.XX Shortfall of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements Assets are short by -$XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded XXXXXX January statement with an ending balance of $XXX,XXX - Seller-XX/XX/XXXX |
Resolved-Confirmed BX owns XXXXXXX XXXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXX XXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8349050 | N/A | N/A | |||
| XXXX | XXXX | 10232939 | Closed | 2026-03-25 00:06 | 2026-04-03 04:34 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested Credit memo of correct PITIA , Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct DSCR - Seller-XX/XX/XXXX Open-DSCR ratio is incorrect on Loan approval document page #XXX since Total PITIA ($X,XXX.XX) used is wrong. Provide correct Loan approval document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct DSCR - Seller-XX/XX/XXXX |
Resolved-Requested Credit memo of correct PITIA , Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8305277 | N/A | N/A | |||
| XXXX | XXXX | 10232537 | Closed | 2026-03-25 00:59 | 2026-03-25 18:28 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8305544 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10232784 | Closed | 2026-03-29 06:11 | 2026-04-16 06:31 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-HUD and client clarification have been provided. Assets have been sufficiently sourced. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded final HUD from XXX refi #XXXXXXX which funded the same day as the subject loan. nothing else is required since both are XXX loans - Seller-XX/XX/XXXX Open-The transaction is utilizing the cash-out proceeds from XXXXXXX. However, proof of deposit or wire was not provided in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded final HUD from XXX refi #XXXXXXX which funded the same day as the subject loan. nothing else is required since both are XXX loans - Seller-XX/XX/XXXX |
Resolved-HUD and client clarification have been provided. Assets have been sufficiently sourced. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX XXX XXXX XXX XXXX #XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8373355 | N/A | N/A | |||
| XXXX | XXXX | 10232428 | Closed | 2026-03-29 23:35 | 2026-03-30 10:21 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Transaction signed by LLC. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8378489 | Investor Post-Close | No | ||||||
| XXXX | XXXX | 10232717 | Closed | 2026-03-26 07:08 | 2026-04-08 14:53 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-Lender provided post disaster inspection. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Property inspection with exterior photos provided for Property potentially affected by FEMA, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided post disaster inspection. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Property inspection with exterior photos provided for Property potentially affected by FEMA, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX - XXX XXXXXXXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8332814 | N/A | N/A | |||
| XXXX | XXXX | 10232819 | Closed | 2026-03-27 08:59 | 2026-04-28 06:11 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved-Lender provided updated credit memo and sizer using the lesser of market rents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Re-Uploaded Credit Memo and Sizer - Seller-XX/XX/XXXX Counter-An updated credit memo with an exception and sizer has not been provided. Please upload to the condition. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The reason that a new Credit Memo was uploaded reflecting an approved exception for DSCR is that XXX% of market rents were not used. I previously stated that market rents were used which are less than actual rents and does not require proof of receipt of rents. - Seller-XX/XX/XXXX Counter-Nothing uploaded to review. Missing December bank statement to verify the rent deposit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The purpose of the new Credit Memo reflecting an approved exception for DSCR is that the loan was adjusted to use market rents to qualify rather than XXX% of market rents. - Seller-XX/XX/XXXX Counter-Nothing uploaded to review. Missing December bank statement to verify the rent deposit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for DSCR less than X.XXX with corresponding sizer. - Seller-XX/XX/XXXX Open-Per the matrix dated X/XX/XX, when using XXX% of market rents, The borrower/sponsor must provide: X- most recent months canceled checks or bank statements evidencing receipt of rental income received prior to the CVX loan application date. Have January bank statement with borrower explanation the X/X deposit of $X,XXX.XX includes the $X,XXX rent. There are also rental receipts in file but these are not a cancelled check or bank statement. The letter states the $X,XXX deposit XX/X includes the $X,XXX rent. Missing December bank statement to verify the rent deposit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Re-Uploaded Credit Memo and Sizer - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The reason that a new Credit Memo was uploaded reflecting an approved exception for DSCR is that XXX% of market rents were not used. I previously stated that market rents were used which are less than actual rents and does not require proof of receipt of rents. - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The purpose of the new Credit Memo reflecting an approved exception for DSCR is that the loan was adjusted to use market rents to qualify rather than XXX% of market rents. - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for DSCR less than X.XXX with corresponding sizer. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated credit memo and sizer using the lesser of market rents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX XXXXXXX_XXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8359351 | N/A | N/A | |||
| XXXX | XXXX | 10232398 | Closed | 2026-03-25 23:40 | 2026-03-30 07:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Credit report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8327658 | N/A | N/A | |||
| XXXX | XXXX | 10232659 | Closed | 2026-03-26 05:34 | 2026-04-01 00:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XX_XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8331377 | N/A | N/A | |||
| XXXX | XXXX | 10232762 | Closed | 2026-03-27 13:46 | 2026-04-09 06:26 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The client has provided an additional property report to support the borrowers experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X JM - Uploading property profile for XXXXX X XXXXXXX XXX to support Xrd experience. - Seller-XX/XX/XXXX Open-The guideline X |BORROWER/SPONSOR EXPERIENCE states that confirmation of the borrower’s/sponsor’s real estate investment experience is required and evaluated using a XX- month look-back period. The loan file contains X property reports to validate the borrowers experience however the property at XXX X XXXXXXXXXX XXX is the borrowers primary residence as verified with documents in the loan file. The loan file does not contain evidence of a Xrd investment property to support the borrowers investment experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X JM - Uploading property profile for XXXXX X XXXXXXX XXX to support Xrd experience. - Seller-XX/XX/XXXX |
Resolved-The client has provided an additional property report to support the borrowers experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXX XXXXXXX - XXXXX X XXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8366926 | N/A | N/A | |||
| XXXX | XXXX | 10232963 | Closed | 2026-03-27 14:33 | 2026-04-14 07:09 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Updated system with revised Credit Memo stating "no experience". - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting zero experience or properties - Seller-XX/XX/XXXX Counter-GL X/XX/XXXX section X.X page XX and the matrix page X state experienced borrower's are required to have owned investment properties of X or X with a minimum of XX- months ownership within the last XX months to meet the experience criteria. The subject vacancy confirms the borrower and/or entity members are not experienced investor(s) per the GL. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X JM - PLEASE RESCIND FINDING. Subject property is current vacant was previously held in the personal name of a non-borrowing entity member. It does not appear that the non-borrowing entity member lived here - per the property profile for the subject property the mailing address was XXX X XXXXXXX XX. The sponsor has resided in their primary residence at XXXX XXXXXX XX XXXX X for X+ years. The subject property is vacant with the intention of being leased to new tenants. Based on this the property is deemed an investment property. No additional documentation required. - Due Diligence Vendor-XX/XX/XXXX Open-The subject transferred to the borrower via QCD on X/XX/XXXX (page XXX) with no other investment properties (page XXX) to meet the experience requirement. Property was previously owned by XXXXX XXXXXXX (fka XXXXX XXXXX XXXX) & XXXXXX XXXXXXX per QCD and XXXXX Xxxxx XXXXXXXX is on the newly formed entity dated X/X/XXXX, however no supporting documentation to indicate this property has been an investment property for XX months per the GL Matrix dated X/XX/XXXX page X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting zero experience or properties - Seller-XX/XX/XXXX |
Resolved-Updated system with revised Credit Memo stating "no experience". - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8367996 | N/A | N/A | |||
| XXXX | XXXX | 10232963 | Closed | 2026-03-27 04:15 | 2026-04-09 10:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Updated system with revised PITI from the provided CM. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X JM - Uploading updated CM reflecting X.XXX DSCR ( $X,XXX [Market Rent]/$X,XXX.XX [PITA]) - Seller-XX/XX/XXXX Open-DSCR ratio variance on the Loan Approval page #XXX due to the incorrect PITIA of $X,XXX.XX.. Provide updated Loan Approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X JM - Uploading updated CM reflecting X.XXX DSCR ( $X,XXX [Market Rent]/$X,XXX.XX [PITA]) - Seller-XX/XX/XXXX |
Resolved-Updated system with revised PITI from the provided CM. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8354838 | N/A | N/A | |||
| XXXX | XXXX | 10232963 | Closed | 2026-03-27 04:14 | 2026-04-09 10:13 | Resolved | 1 - Information | C | A | Credit | Credit | Clear Fraud Report for Borrowers/Guarantors/Key Principals is missing | Resolved-Updated system with cleared fraud report provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X JM - Uploaded Drive Report. - Seller-XX/XX/XXXX Open-Borrower Fraud report is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X JM - Uploaded Drive Report. - Seller-XX/XX/XXXX |
Resolved-Updated system with cleared fraud report provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8354828 | N/A | N/A | |||
| XXXX | XXXX | 10232963 | Closed | 2026-03-27 14:55 | 2026-04-01 07:14 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-RCE value provided, updated insurance screen. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide additional coverage to cover the loan amount or provide RCE for the current coverage amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-RCE value provided, updated insurance screen. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX_XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8368805 | N/A | N/A | |||
| XXXX | XXXX | 10232911 | Closed | 2026-03-27 16:05 | 2026-04-10 08:00 | Resolved | 1 - Information | B | A | Credit | Credit | Incomplete application | Resolved-Property exits confirmed for borrower experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X JM - PLEASE RESCIND FINDING. There is verification of X properties in file (only X required for qualification): XXXX XXXXXXX XXX (pg XX-XX), XXXX XXXXXXX XXX (pg XXX-XXX), XXXX XXXXXXXX XXX (pg XXX -XXX), XXXX XXXX XXXXXXX XXX (pg XXX-XXX), XXXX XXXXXXX XXX (pg XXX-XXX), XXXX X XXXXXXX XX (pg XXX-XXX). - Seller-XX/XX/XXXX Open-Credit Memo indicates borrower qualified with X property exits as experience. Only X property profile reports provided in file; unable to support Xth property used to qualify borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X JM - PLEASE RESCIND FINDING. There is verification of X properties in file (only X required for qualification): XXXX XXXXXXX XXX (pg XX-XX), XXXX XXXXXXX XXX (pg XXX-XXX), XXXX XXXXXXXX XXX (pg XXX -XXX), XXXX XXXX XXXXXXX XXX (pg XXX-XXX), XXXX XXXXXXX XXX (pg XXX-XXX), XXXX X XXXXXXX XX (pg XXX-XXX). - Seller-XX/XX/XXXX |
Resolved-Property exits confirmed for borrower experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8369651 | N/A | N/A | ||||
| XXXX | XXXX | 10232931 | Closed | 2026-03-27 18:28 | 2026-04-10 09:12 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Upgrades/renovations confirmed per scope of work. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X JM - PLEASE RESCIND FINDING. Property has been renovated since acquisition. See Pg XXX-XXX for renovation scope of work completed on subject property. - Seller-XX/XX/XXXX Open-Per guidelines X.XX, cash-out refinance transactions that have been owned less than X months state if appraised value is greater than the acquisition price, then as-is appraised value may be used only when subject property improvements have been made after acquisition and are verified by XXXX appraiser comments, borrower/sponsor or general contractor provided scope of work, receipts/invoices, photos, etc. Property acquired XX/XX/XXXX. Scope of work, receipts/invoices or photos not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X JM - PLEASE RESCIND FINDING. Property has been renovated since acquisition. See Pg XXX-XXX for renovation scope of work completed on subject property. - Seller-XX/XX/XXXX |
Resolved-Upgrades/renovations confirmed per scope of work. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8370394 | N/A | N/A | ||||
| XXXX | XXXX | 10232533 | Closed | 2026-03-30 10:57 | 2026-04-10 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded lease - Seller-XX/XX/XXXX Open-Subject property is occupied. Lease missing for one of the X units. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded lease - Seller-XX/XX/XXXX |
Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8387776 | N/A | N/A | |||
| XXXX | XXXX | 10232533 | Closed | 2026-03-29 03:10 | 2026-04-03 02:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final Settlement statement in file, No receipt Required and Reserves are sufficient, Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Cash to close information due from/to borrower is present however clarification of receipt of payment to or from borrower is requested. Credit memo notes cash out. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final Settlement statement in file, No receipt Required and Reserves are sufficient, Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8372980 | N/A | N/A | |||
| XXXX | XXXX | 10232720 | Closed | 2026-03-29 10:08 | 2026-04-08 06:49 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Secondary valuation sufficient, updated system. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The CDA on page XXX value is $XXX,XXX and the appraisal value is $XXX,XXX resulting in a variance greater than the XX% threshold (-XX.XX%). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Rescind Finding - see page XXX - CDA value and appraisal value are the same - variance is X% - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Required for Securitizations Provide a second Appraisal Valuation product as the variance is over XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Rescind Finding - see page XXX - CDA value and appraisal value are the same - variance is X% - Seller-XX/XX/XXXX |
Resolved-Secondary valuation sufficient, updated system. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXX XXXXX XX_XXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8373479 | N/A | N/A | |||
| XXXX | XXXX | 10232875 | Closed | 2026-03-29 07:04 | 2026-04-15 06:53 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-PDI received and shows free and clear of storm related damages - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-PDI received and shows free and clear of storm related damages - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXXXXX - XXXX XXXXX XXXXXXX XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8373380 | N/A | N/A | |||
| XXXX | XXXX | 10232405 | Closed | 2026-03-30 07:44 | 2026-04-15 06:35 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The client provided an updated credit memo reflecting no experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting correct experience - Seller-XX/XX/XXXX Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file only contains a property report for the subject property which supports borrower having ownership as of XX/XX however this doesn't meet guidelines for experience. The loan file is missing evidence of the borrowers rental experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting correct experience - Seller-XX/XX/XXXX |
Resolved-The client provided an updated credit memo reflecting no experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8382745 | N/A | N/A | |||
| XXXX | XXXX | 10232405 | Closed | 2026-03-30 07:45 | 2026-04-15 06:31 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-The client provided the page number for the initial application as document did not come up in doc search. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX, Loan Detail Section, which contains the borrower's purpose for cash out. - Seller-XX/XX/XXXX Open-The loan file is missing the initial application which must state the purpose of the cash out. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX, Loan Detail Section, which contains the borrower's purpose for cash out. - Seller-XX/XX/XXXX |
Resolved-The client provided the page number for the initial application as document did not come up in doc search. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8382760 | N/A | N/A | ||||
| XXXX | XXXX | 10214914 | Closed | 2026-04-20 11:00 | 2026-05-11 08:24 | Resolved | 1 - Information | C | A | Compliance | Compliance | Note has incorrect information | Resolved-Reviewed corrected note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Resolved-Amended note provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised note has been uploaded. - Seller-XX/XX/XXXX Open-The Note reflects the prepayment penalty as X% for every year for XX months. However, the guidelines reflect the prepayment penalty should be a step down and not a consistent for every year. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Revised note has been uploaded. - Seller-XX/XX/XXXX |
Resolved-Reviewed corrected note. - Due Diligence Vendor-XX/XX/XXXX Resolved-Amended note provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8774024 | N/A | N/A | |||
| XXXX | XXXX | 10214914 | Closed | 2026-03-24 15:35 | 2026-04-08 05:01 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN of XXXXXXX XXXXXXXX XXXXXXXX XXX. - Seller-XX/XX/XXXX Open-XXXXX account #XXXX is in the business name of XXXXXXX XXXXXXXX XXXXXXXX XXX but no business documents were provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN of XXXXXXX XXXXXXXX XXXXXXXX XXX. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX XXXXXXXX XXXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8301455 | N/A | N/A | |||
| XXXX | XXXX | 10214914 | Closed | 2026-03-24 05:44 | 2026-04-08 03:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-ALTA settlement statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Required Final HUD-X document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-ALTA settlement statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXX'X XXXXXXXXXX XXXXXXXXX (X) (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8284177 | N/A | N/A | |||
| XXXX | XXXX | 10214916 | Closed | 2026-03-25 06:50 | 2026-04-01 06:50 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Appraisal received to show the "Total Estimate of Cost-New" was used with a value of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-HOI coverage is $XXX, loan amount is $XXX,XXX. Provide policy with coverage equal to loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal received to show the "Total Estimate of Cost-New" was used with a value of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8309371 | N/A | N/A | |||
| XXXX | XXXX | 10214920 | Closed | 2026-03-24 04:24 | 2026-04-01 01:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-We have RCE in Appraisal, which is sufficient, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached coverage is higher than Cost of New in the Appraisail. Borrower is complaint with insurance coverage. - Seller-XX/XX/XXXX Open-Hazard insurance dwelling coverage amount is $XXX,XXX but the loan amount is $XXX,XXX, we need updated hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached coverage is higher than Cost of New in the Appraisail. Borrower is complaint with insurance coverage. - Seller-XX/XX/XXXX |
Resolved-We have RCE in Appraisal, which is sufficient, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8283255 | N/A | N/A | |||
| XXXX | XXXX | 10214929 | Closed | 2026-03-24 00:34 | 2026-03-31 01:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Requested Purchase Agreement Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Purchase contract uploaded. - Seller-XX/XX/XXXX Open-The fully executed purchase contract is missing from the loan file. Please provide the contract. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Purchase contract uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Purchase Agreement Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXX.XXX XXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 8280649 | N/A | N/A | |||
| XXXX | XXXX | 10214932 | Closed | 2026-04-06 11:00 | 2026-04-08 06:56 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal uplaoded. - Seller-XX/XX/XXXX Open-The appraisal dated prior to the desk review dated XX/XX/XXXX was not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal uplaoded. - Seller-XX/XX/XXXX |
XXXXXX.XXXXXXXXX.XXXX XXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8504957 | N/A | N/A | ||||
| XXXX | XXXX | 10214932 | Closed | 2026-03-24 01:04 | 2026-04-02 01:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Requested Title document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Title document uploaded. - Seller-XX/XX/XXXX Open-The title is missing the effective date. Updated title required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Title document uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Title document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8281415 | N/A | N/A | |||
| XXXX | XXXX | 10214933 | Closed | 2026-03-24 03:23 | 2026-04-08 07:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Tax is sourced from the appraisal, pg #X - Seller-XX/XX/XXXX Open-Per the final HUDX, monthly taxes are $XX.XX. Provide proof of document validating this ax amount as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Tax is sourced from the appraisal, pg #X - Seller-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8282346 | N/A | N/A | |||||
| XXXX | XXXX | 10214933 | Closed | 2026-03-24 03:29 | 2026-04-01 01:31 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Requested fair Rental Value(Policy )provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. Coverage provided is ALS up to XX months - Seller-XX/XX/XXXX Open-Provide updated hazard insurance doc as the in file shows loss of rents as 'Actual Loss'. However, the policy does not state any amount or timeframe of coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. Coverage provided is ALS up to XX months - Seller-XX/XX/XXXX |
Resolved-Requested fair Rental Value(Policy )provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXX XXXXXXX XXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8282406 | N/A | N/A | |||
| XXXX | XXXX | 10214940 | Closed | 2026-03-25 14:28 | 2026-04-17 07:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statement for acc XXXX uploaded. - Seller-XX/XX/XXXX Counter-Still need the second consecutive statement for XXXX #XXXX. Only one statement provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA for XXX XXXXXX XX XXX uploaded. - Seller-XX/XX/XXXX Open-XXXX account #XXXX is in the business name of X XX XXXXXX XX XXX. Missing the operating agreement for that business. We are also missing the second consecutive statement for that same XXXX account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Statement for acc XXXX uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. OA for XXX XXXXXX XX XXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XX - XXX XXXXXX XX XXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX-XXXX.XXX |
XXXX | Investment | Purchase | NA | 8320294 | N/A | N/A | |||
| XXXX | XXXX | 10214942 | Closed | 2026-03-25 04:08 | 2026-03-25 09:20 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. As per note document we have three years of prepayment penalty and updated the same. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Purchase | NA | 8307651 | Investor Post-Close | No | ||||||
| XXXX | XXXX | 10214943 | Closed | 2026-03-25 03:38 | 2026-04-01 01:36 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Requested RCE Document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see RCE attached - Seller-XX/XX/XXXX Open-Under hazard insurance policy dwelling coverage amount is $XXX,XXX but loan amount is $XXX,XXX, we need updated hazard insurance policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see RCE attached - Seller-XX/XX/XXXX |
Resolved-Requested RCE Document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8307467 | N/A | N/A | |||
| XXXX | XXXX | 10214944 | Closed | 2026-03-25 00:27 | 2026-04-08 11:56 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The client acknowledged the NJ PPP. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Loan has XX months prepayment penalty as per note document and updated the same. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledged the NJ PPP. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8305361 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10214944 | Closed | 2026-03-25 01:36 | 2026-04-07 03:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded statements from XXX #XXXX - $XXXXX, XXX - XXXX -- $XXX,XXX.XX = Total available liquidity $XXX,XXX.XX - Seller-XX/XX/XXXX Open-Lon type is purchase, as per settlement statement cash from borrower is $XXX,XXX.XX and monthly PITIA is $X,XXX.XX and we need X months reserves as per guidelines required reserves amount is $X,XXX.XX, Total required amount is $XXX,XXX.XX but we have borrower total assets amount of $XX,XXX.XX only, we need additional asset amount of $XX,XXX.XX to cover total requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded statements from XXX #XXXX - $XXXXX, XXX - XXXX -- $XXX,XXX.XX = Total available liquidity $XXX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX'X XXX XXX XXXX XXXXXXXX (X).XXX XXXXX'X XXX XXXXXX XXXXXXX (X) (X).XXX XXXX XXX XXXXX_XXXX-XX-XX_XXXXXX_XXXXXX (X) (X).XXX XXXXX'X XXX XXX XXXX XXXXXXXX (X).XXX XXXX XXX XXXXXXX XX XXXXXXXXX (X) (X).XXX |
XXXX | Investment | Purchase | NA | 8305865 | N/A | N/A | |||
| XXXX | XXXX | 10214945 | Closed | 2026-03-25 02:56 | 2026-04-01 01:42 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Requested fair Rental Value(Updated insurance document )provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. Coverage is XXX coverage - Seller-XX/XX/XXXX Open-The hazard documentation in file does not reflect the required rent loss coverage. Please provide documentation to support sufficient coverage per Lender Guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. Coverage is XXX coverage - Seller-XX/XX/XXXX |
Resolved-Requested fair Rental Value(Updated insurance document )provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8306186 | N/A | N/A | |||
| XXXX | XXXX | 10214946 | Closed | 2026-03-25 15:03 | 2026-04-01 15:27 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved. Will post to data discrepancy to the investor. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the calculated annual tax amount of $XXX, please post this as a data discrepancy to the investor. - Seller-XX/XX/XXXX Open-A variance was noted between the Originator's DSCR of X.XXX and the Calculated DSCR of X.XXX. The difference appears to be due to regarding the final property tax amount utilized by the lender in the escrow calculation. Unable to determine the Lender’s calculation. No tax bill evidenced in file. Used bi-annual tax amount of $XXX from the title commitment on page#XXX for an annual amount of $XXX ($XX.XX monthly). In addition, the appraisal also reflects R.E. taxes of $XXX on page#XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the calculated annual tax amount of $XXX, please post this as a data discrepancy to the investor. - Seller-XX/XX/XXXX |
Resolved-Resolved. Will post to data discrepancy to the investor. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8321021 | N/A | N/A | ||||
| XXXX | XXXX | 10214946 | Closed | 2026-03-25 13:24 | 2026-04-01 15:26 | Resolved | 1 - Information | B | A | Property | Missing Doc | Subject or Comp Photos are missing or illegible | Resolved-Resolved. XXXX Appraisal with photos received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded primary appraisal with the photos and compables details. Secondary appraisal is exterior only and does not inclue the photos. - Seller-XX/XX/XXXX Open-Subject and comparable photos are missing on the appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded primary appraisal with the photos and compables details. Secondary appraisal is exterior only and does not inclue the photos. - Seller-XX/XX/XXXX |
Resolved-Resolved. XXXX Appraisal with photos received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX.XXXX XXXX XXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8318889 | N/A | N/A | |||
| XXXX | XXXX | 10214951 | Closed | 2026-03-25 13:31 | 2026-03-31 02:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Loan Agreement provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan Agreement uploaded. - Seller-XX/XX/XXXX Open-Missing Loan Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Loan Agreement uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Agreement provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX.XXX | XXXX | Investment | Purchase | NA | 8319085 | N/A | N/A | |||
| XXXX | XXXX | 10214955 | Closed | 2026-03-24 22:54 | 2026-04-10 14:24 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-The client acknowledges the missing spousal consent. - Due Diligence Vendor-XX/XX/XXXX Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as it is not included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledges the missing spousal consent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8304968 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10214955 | Closed | 2026-03-24 23:52 | 2026-04-07 03:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded covering the liquidity. - Seller-XX/XX/XXXX Open-Per guidelines, minimum X months reserves are required. However, the loan file currently reflects only X.XX months of reserves. Provide additional assets to meet minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional statements uploaded covering the liquidity. - Seller-XX/XX/XXXX |
Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXXXXXXXXXXXXXXX_XXXX (X).XXX XXX XXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 8305195 | N/A | N/A | |||
| XXXX | XXXX | 10214955 | Closed | 2026-03-24 23:38 | 2026-04-06 03:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 6 Missing | Resolved-Requested EMD proof provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EMD docs uploaded. - Seller-XX/XX/XXXX Open-Provide proof of evidence to earnest money deposit in the amount of $X,XXX being received as it is not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EMD docs uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested EMD proof provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXX XXXX.XXX XXXXXXXX - XXXXXXX XXXXX - XXXXXX.XXX |
XXXX | Investment | Purchase | NA | 8305140 | N/A | N/A | |||
| XXXX | XXXX | 10214956 | Closed | 2026-03-25 04:31 | 2026-04-10 14:23 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged-The client acknowledges the missing spousal consent. - Due Diligence Vendor-XX/XX/XXXX Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Provide spousal consent document as it is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledges the missing spousal consent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8307814 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10214956 | Closed | 2026-03-25 14:16 | 2026-04-02 06:26 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Complete appraisal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded primary appraisal with the photos and compables details. Secondary appraisal is exterior only and does not inclue the photos. - Seller-XX/XX/XXXX Open-The appraisal in file is missing map, layout, photos of subject and photos of comparables. These pages within the appraisal are blank. Please provide the full appraisal with all information reflected within the document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded primary appraisal with the photos and compables details. Secondary appraisal is exterior only and does not inclue the photos. - Seller-XX/XX/XXXX |
Resolved-Complete appraisal provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX.XXXX XXXX XXXXX.XXX | XXXX | Investment | Purchase | NA | 8319998 | N/A | N/A | |||
| XXXX | XXXX | 10214956 | Closed | 2026-03-25 14:24 | 2026-04-02 06:24 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX Open-Assets in file are not sufficient to close. Please provide documentation to support sufficient assets. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX |
XXXXX XXXXXXXX.XXX XXX-X.XXX |
Additional account provided | XXXX | Investment | Purchase | NA | 8320224 | N/A | N/A | |||
| XXXX | XXXX | 10214981 | Closed | 2026-03-26 04:48 | 2026-04-01 01:56 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-We have RCE in Appraisal, which is sufficient, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan approved based on appraisail cost of new which shows $XXX,XXX borrower is carrying adquate coverage. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage $XXX,XXX Amount is less than Required Coverage Amount $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Loan approved based on appraisail cost of new which shows $XXX,XXX borrower is carrying adquate coverage. - Seller-XX/XX/XXXX |
Resolved-We have RCE in Appraisal, which is sufficient, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8330892 | N/A | N/A | |||
| XXXX | XXXX | 10214983 | Closed | 2026-03-26 12:34 | 2026-04-02 06:35 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Document provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN for XXXX LLC uploaded. - Seller-XX/XX/XXXX Open-Please provide Business Entity EIN for XXXX LLC - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN for XXXX LLC uploaded. - Seller-XX/XX/XXXX |
Resolved-Document provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8341855 | N/A | N/A | |||
| XXXX | XXXX | 10214989 | Closed | 2026-03-26 11:46 | 2026-04-10 06:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved-Final HUD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Open-The final signed HUD in file is missing the settlement and disbursement dates. Please provide the fully completed HUD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX.XXX XXX XXX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8340592 | N/A | N/A | |||
| XXXX | XXXX | 10214989 | Closed | 2026-03-25 05:00 | 2026-03-26 11:25 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8308080 | Originator Post-Close | No | ||||||
| XXXX | XXXX | 10214990 | Closed | 2026-03-25 16:23 | 2026-04-01 15:40 | Resolved | 1 - Information | B | A | Property | Missing Doc | Subject or Comp Photos are missing or illegible | Resolved-Resolved. Received XXXX appraisal with photos. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded primary appraisal with the photos and compables details. Secondary appraisal is exterior only and does not inclue the photos. - Seller-XX/XX/XXXX Open-Missing subject and comparable photos on the appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded primary appraisal with the photos and compables details. Secondary appraisal is exterior only and does not inclue the photos. - Seller-XX/XX/XXXX |
Resolved-Resolved. Received XXXX appraisal with photos. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX.XXXX XXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8323090 | N/A | N/A | |||
| XXXX | XXXX | 10214991 | Closed | 2026-04-01 13:06 | 2026-04-08 06:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title rec'd - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title commitment uploaded. - Seller-XX/XX/XXXX Open-Documentation Page XXX Title Commitment dated X/X/XXXX for Subject property Purchase. Missing Title Commitment for Subject Refinance Note Dated X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title commitment uploaded. - Seller-XX/XX/XXXX |
Resolved-Title rec'd - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXXX (X).XXX | Title rec'd | XXXX | Investment | Refinance | Cash Out - Other | 8436654 | N/A | N/A | ||
| XXXX | XXXX | 10214991 | Closed | 2026-03-26 09:08 | 2026-04-01 13:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Note Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Note Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8335841 | N/A | N/A | |||
| XXXX | XXXX | 10214991 | Closed | 2026-03-27 04:30 | 2026-04-01 12:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust for Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Mtg dpc uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Provide DOT document. Deed of Trust missing at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Mtg dpc uploaded. - Seller-XX/XX/XXXX |
Resolved-Deed of Trust for Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8354950 | N/A | N/A | |||
| XXXX | XXXX | 10214991 | Closed | 2026-03-27 04:31 | 2026-03-31 08:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved Correct HUD recd - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide Final HUD-X Statement at closing. Final HUD-X Missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved Correct HUD recd - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8354963 | N/A | N/A | |||
| XXXX | XXXX | 10214992 | Closed | 2026-03-24 21:57 | 2026-03-25 20:38 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The buyer acknowledged the issue with the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. XX Prepayment Penalty updated as per the guidelines, rescinded. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The buyer acknowledged the issue with the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. XX Prepayment Penalty updated as per the guidelines, rescinded. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8304532 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10214993 | Closed | 2026-03-26 13:06 | 2026-04-07 07:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised XXX uploaded. - Seller-XX/XX/XXXX Open-The final XXX in file is missing the disbursement date. Please provide the completed XXX including the disbursement date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised XXX uploaded. - Seller-XX/XX/XXXX |
XXXXXX XXX X.XXX | Updated XXX provided | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8342987 | N/A | N/A | |||
| XXXX | XXXX | 10214993 | Closed | 2026-03-26 13:14 | 2026-04-02 06:27 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Complete appraisal provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded primary appraisal which includes the photos and comparables details. - Seller-XX/XX/XXXX Open-The appraisal in file is missing map, photos of the subject property, and photos of the comparables. Please provide the complete appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded primary appraisal which includes the photos and comparables details. - Seller-XX/XX/XXXX |
Resolved-Complete appraisal provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX.XXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8343306 | N/A | N/A | |||
| XXXX | XXXX | 10214993 | Closed | 2026-03-26 04:50 | 2026-04-01 01:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Insuarnce was approved based on appraisail cost of new which shows property Replacement Value is $XXX,XXX borrower is carrying adquate coverage. - Seller-XX/XX/XXXX Open-Provide updated XXX policy or XXX with sufficient coverage. Hazard insurance $XXX,XXX less than loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Insuarnce was approved based on appraisail cost of new which shows property Replacement Value is $XXX,XXX borrower is carrying adquate coverage. - Seller-XX/XX/XXXX |
XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8330915 | N/A | N/A | ||||
| XXXX | XXXX | 10215000 | Closed | 2026-03-26 13:53 | 2026-04-03 07:34 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Updated dec page provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Policy changes with Loss of Income Increased - Seller-XX/XX/XXXX Open-Evidence of Insurance in file does not reflect sufficient rent loss coverage per Lender Guidelines. Please provide documentation to support sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Policy changes with Loss of Income Increased - Seller-XX/XX/XXXX |
Resolved-Updated dec page provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX - XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8345299 | N/A | N/A | |||
| XXXX | XXXX | 10214918 | Closed | 2026-03-25 14:12 | 2026-04-30 08:27 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Document Uploaded. The documentation received was sufficient to resolve the finding. XXXXX - Due Diligence Vendor-XX/XX/XXXX Open-Missing XXXXX Completion Report. Page XXX XXXX Subject to repair of dining room ceiling and installation of smoke detectors for XX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXX XXX(X)_XXXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8319955 | N/A | N/A | ||||
| XXXX | XXXX | 10214919 | Closed | 2026-03-25 16:17 | 2026-04-20 08:53 | Waived | 2 - Non-Material | C | B | Credit | Credit | Escrow information insufficient or has discrepancy | Waived-The escrows will be adjusted at renewal. Compensating factors - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Calculated insurance value of $XXXxX months, change in the XXXX. Acknowledged as data discrepancy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the calculated insurance value of XXX*X and change in the XXXX, please post it as data discrepancy to the investor - Seller-XX/XX/XXXX Counter-Nothing shown uploaded, please re-upload. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX Open-Guidelines Page XX, requirement Closing Statement collect First X months of Debt Service, not including Stub Interest for Closing Month. Page XXXX XXX-X shows XX X months Debt Service $XX,XXX.XX and Property Tax X months Debt Service $X,XXX.XX. However XXX-X Hazard Insurance Debt Service shown as $X,XXX.XX. XX properties monthly Hazard Insurance premium $XXX x X = $X,XXX Debt Service required for Hazard Insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the calculated insurance value of XXX*X and change in the XXXX, please post it as data discrepancy to the investor - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX |
Waived-The escrows will be adjusted at renewal. Compensating factors - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Calculated insurance value of $XXXxX months, change in the XXXX. Acknowledged as data discrepancy. - Due Diligence Vendor-XX/XX/XXXX |
Reserves of XX.XX months FICO score of XXX XXXX score of X.XX |
XXXX | Investment | Refinance | Cash Out - Other | 8322877 | Originator Post-Close | No | |||
| XXXX | XXXX | 10214931 | Closed | 2026-03-23 23:32 | 2026-04-07 02:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX Open-Per Guidelines, post closing reserves of X-months required for properties with lease in effect prior to funding. Required verified assets of $X,XXX.XX. Loan file contains $X,XXX.XX(X.XX months) in verified assets. Shortage of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated asset bank statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX-X.XXX XXXXXXXXXX-X.XXX |
XXXX | Investment | Purchase | NA | 8279757 | N/A | N/A | |||
| XXXX | XXXX | 10214965 | Closed | 2026-03-24 23:49 | 2026-04-08 11:55 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The client acknowledged the issue with the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledged the issue with the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8305181 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10220373 | Closed | 2026-03-28 13:55 | 2026-03-31 06:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception to allow XX% XXX with fico of XXX and loan amount of XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Audited XXX Exceeds Guideline XXX Per XXXX XX matrix allows XX% max XXX for Interest Only Note, however audited XXX is XX% - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception to allow XX% XXX with fico of XXX and loan amount of XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXXXXXXX XX XXXX.XXX | XX% XXX is below the maximum XX% XXX by X%. $XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. |
XXXX | Investment | Purchase | NA | 8372723 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 10220373 | Closed | 2026-03-30 09:07 | 2026-03-31 06:42 | Waived | 2 - Non-Material | C | B | Credit | Credit | Borrower does not have 2 years experience self-managing the property | Waived-Exception is to allow first time investor. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Open-Based on guidelines first time buyers are not allowed - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception is to allow first time investor. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXXXXXXX XX XXXX XXX XXXX.XXX | XX% LTV is below the maximum XX% LTV by X%. $XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. |
XXXX | Investment | Purchase | NA | 8384507 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 10220373 | Closed | 2026-03-30 09:04 | 2026-03-30 09:04 | Waived | 2 - Non-Material | B | B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-Exception provided on pageXXX. Exception to use interest only payment to determine DTI on DSCR Program. - Due Diligence Vendor-XX/XX/XXXX | Waived-Exception provided on pageXXX. Exception to use interest only payment to determine DTI on DSCR Program. - Due Diligence Vendor-XX/XX/XXXX |
$XXX,XXX reserves exceed the minimum required of $$XX,XXX.XX exceeds the minimum by X months over the required minimum. Borrower Housing History is XXxx, XX months. Housing History required per guidelines is XXxx, XX months. |
XXXX | Investment | Purchase | NA | 8384454 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10232915 | Closed | 2026-04-06 08:17 | 2026-05-11 06:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-The client provided a cash out letter. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Cash Out LOE - Seller-XX/XX/XXXX Open-The guideline Use of Cash-Out Proceeds states cash-out proceeds must be used only for business purposes. The borrower/sponsor must confirm that the funds are for business use with documented reason(s) for cash-out via the following methods Detailed Completion of the Initial or Final Loan Application cash-out use of proceeds section. The initial and final applications state cash out is for "other" this does not demonstrate that the funds will be used for business purposes. The loan file is missing an LOX for the cash out proceeds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Cash Out LOE - Seller-XX/XX/XXXX |
Resolved-The client provided a cash out letter. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8498955 | N/A | N/A | |||
| XXXX | XXXX | 10232915 | Closed | 2026-04-06 08:26 | 2026-04-16 06:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-The client is stating that the appraiser made a mistake while completing the appraisal and we have X leases for the X units rented. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The appraiser made a mistake as to which units are rented and which unit is vacant. Per the appraisal X units are rented and one vacant. There are three lease in the file and one vacant unit accounted for. Nothing more is required. - Seller-XX/XX/XXXX Open-The loan file contains leases for units X, X and X showing unit X is vacant however per the appraisal report units X, X and X are rented supporting unit X is vacant. The loan file is missing the lease for unit X and an explanation for a lease for unit X that is vacant. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - The appraiser made a mistake as to which units are rented and which unit is vacant. Per the appraisal X units are rented and one vacant. There are three lease in the file and one vacant unit accounted for. Nothing more is required. - Seller-XX/XX/XXXX |
Resolved-The client is stating that the appraiser made a mistake while completing the appraisal and we have X leases for the X units rented. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8499152 | N/A | N/A | ||||
| XXXX | XXXX | 10232915 | Closed | 2026-04-06 08:20 | 2026-04-16 06:12 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The client provided an updated credit memo changing the experience level to no experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting no experience - Seller-XX/XX/XXXX Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file contains a property report for the subject property showing the borrower purchased the property in XX/XXXX however this does not demonstrate the borrowers required experience. The loan file is missing evidence of the borrowers X property experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting no experience - Seller-XX/XX/XXXX |
Resolved-The client provided an updated credit memo changing the experience level to no experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8499004 | N/A | N/A | |||
| XXXX | XXXX | 10232763 | Closed | 2026-03-30 02:07 | 2026-04-21 13:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception for FICO is XXX and cash out proceeds being used for reserves approved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting approved exception to use cash out as reserves - Seller-XX/XX/XXXX Open-Loan file HAs Qualifying Fico Score XXX Which is Less than XXX According guideline XX/XX/XXXX version PG#XX Qualifying Reserves are XX Use of Cash out reserves -No But Provided assets are not meeting guideline reserves Months of XX - Please Provide Supporting Asset Documents - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting approved exception to use cash out as reserves - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XX% LTV is below the maximum XX% LTV by X%. XxXX mortgage history for XX months. |
XXXX | Investment | Refinance | Cash Out - Other | 8379305 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10232424 | Closed | 2026-04-27 07:29 | 2026-04-27 07:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX.X% exceeds Guideline CLTV of XX% Waiver provided on Credit memo. - Due Diligence Vendor-XX/XX/XXXX | Waived-Audited CLTV of XX.X% exceeds Guideline CLTV of XX% Waiver provided on Credit memo. - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XXX points $XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XXX months over the required minimum. Investor has X years of experience with investment properties. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8889098 | Originator Post-Close | Yes | ||||
| XXXX | XXXX | 10232424 | Closed | 2026-03-30 00:45 | 2026-04-27 07:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Credit Memo provided with exception for the DSC ratio under the X.XXX minimum per guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo as requested - Seller-XX/XX/XXXX Counter-Credit memo provided has the DSCR listed as X.XXX, exception needed for the LTV based on the the DSCR under X.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for DSCR - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Audited LTV XX.XX% Exceeds Guideline LTV XX% per guideline matrix XX-XX-XXXX for DSCR between X.XX and X.X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo as requested - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting approved exception for DSCR - Seller-XX/XX/XXXX |
Waived-Credit Memo provided with exception for the DSC ratio under the X.XXX minimum per guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX XXXXXXXXXX_XXXXXX XXXX.XXX |
XXX Representative credit score exceeds the minimum required of XXX by XXX points $XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XXX months over the required minimum. Investor has X years of experience with investment properties. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8378871 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10232424 | Closed | 2026-03-30 01:02 | 2026-04-08 02:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Requested title document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Title Document which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested title document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8378962 | N/A | N/A | |||
| XXXX | XXXX | 10232431 | Closed | 2026-04-06 01:51 | 2026-04-10 01:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Fraud Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X JM - Uploading DataVerify Report. - Seller-XX/XX/XXXX Open-Fraud Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X JM - Uploading DataVerify Report. - Seller-XX/XX/XXXX |
Resolved-Requested Fraud Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8490828 | N/A | N/A | |||
| XXXX | XXXX | 10232753 | Closed | 2026-03-30 00:20 | 2026-04-10 09:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX - XXX which contain a February statement from XXXXXX XXXXXX XXXX and shows available credit of $XX,XXX.XX. Equity line available credit is permitted to be used for reserves. - Seller-XX/XX/XXXX Open-Cash out proceeds was not used for qualification as the guidelines page X states that When cash out refinance and FICO <XXX, then Cash out proceeds may not be used to satisfy reserve requirements regardless of LTV. Assets provided are not sufficient for meeting the reserves required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX - XXX which contain a February statement from XXXXXX XXXXXX XXXX and shows available credit of $XX,XXX.XX. Equity line available credit is permitted to be used for reserves. - Seller-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8378736 | N/A | N/A | |||||
| XXXX | XXXX | 10232459 | Closed | 2026-04-14 15:05 | 2026-04-17 10:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-As per email directive from management the lease to own document is within guidelines. - Due Diligence Vendor-XX/XX/XXXX Open-Loan does not conform to program guidelines Loan is a Rate/Term Refinance. There is a Lease to Own Purchase Contract in file page XXX for Seller / Borrower. As per guidelines XX/XX/XX page XX / XX Lease-option purchase (i.e., lease to own, lease to buy) is an ineligible Property Type and use. There are X separate HUDS dated the same date, one with a Payoff to a loan for the borrower (looks like a R/T REFI) and one HUD for a Purchase Transaction dated same date as the Refi where the borrower is paying off the Sellers Mtg. The Property Report page XXX and Title are both in the Sellers Name, not the buyers as a Refi. The Appraisal shows the current owner as the Seller, not the borrower for the refi. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-As per email directive from management the lease to own document is within guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8661944 | N/A | N/A | |||||
| XXXX | XXXX | 10232919 | Closed | 2026-04-03 13:12 | 2026-04-08 06:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-The client provided the dec page with sufficient coverages. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline XX.X | PROPERTY INSURANCE state that a hazard insurance policy protecting against loss or damage from fire, wind, or other natural disasters is required for all secured collateral. The loan file contains an invoice from XXXX XXXXXXXXX XXXXX for $X,XXX.XX however there is no dec page. The loan file is missing the dec page to show sufficient dwelling ($XXX,XXX) and rent loss ($X,XXX) coverage for policy ending in XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided the dec page with sufficient coverages. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8481592 | N/A | N/A | |||
| XXXX | XXXX | 10232451 | Closed | 2026-04-04 15:45 | 2026-04-08 19:17 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Updated EOI provided confirming loss of rents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-EOI provided in file is damaged/unable to open. Unable to confirm rent loss insurance in place. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated EOI provided confirming loss of rents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8488227 | N/A | N/A | |||
| XXXX | XXXX | 10232871 | Closed | 2026-03-30 22:18 | 2026-04-04 09:27 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per guidelines no state specific PPP. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Per guidelines no state specific PPP. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8396558 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10232481 | Closed | 2026-04-03 13:51 | 2026-04-06 15:32 | Resolved | 1 - Information | C | A | Credit | Borrower | Sales Contract | Resolved-Resolved. The detail information received addresses the issues identified during audit review. - Due Diligence Vendor-XX/XX/XXXX Open-The loan file(s) have two purchase contracts dated the same day from Seller X (reflected on title commitment) to new Seller X for the purchase of $XXX,XXX dated X/XX/XXXX. The brokerage firm individual was identified on the fraud report page XXX-XXX as a debtor X with the borrower. The sales contract with Seller X and the Borrower is dated the same date as the first contract X/XX/XXXX with sales price of $XXX,XXX. The appraised value is $XXX,XXX. There file does not contain any documents documenting an increase on the same day of $XX,XXX. It should be noted the borrower paid more than the property was valued. - Due Diligence Vendor-XX/XX/XXXX |
The subject transaction is a fully disclosed double escrow (wholesale transaction) that complies with XXX underwriting guidelines. The transaction was facilitated through a licensed escrow and title company, ensuring all funds, documents, and transfers were handled in a compliant and transparent manner. All parties, including XXX, were fully aware that this was a two-step transaction involving an intermediary (wholesaler) earning a profit. Per XXX guidelines, property wholesaler transactions are permitted provided that: Fully executed purchase contracts for both transactions are in place and provide Warranty deeds: Seller to Wholesaler and Wholesaler to XXX borrower. Both purchase agreements are valid and may be executed on the same day, consistent with standard double escrow practices. The wholesaler is contractually acquiring and reselling the property, and is entitled to sell at a higher price, as they will take title prior to the subject loan closing. The purchase contract addendum dated XX/XX/XXXX documents that the wholesaler (seller) agreed to provide a seller credit toward purchase price, which is properly reflected on the final settlement statement (HUD). This ensures full transparency of all financial components of the transaction. This is an acceptable non-arm’s length transaction. The debtor X mentioned was against both borrower and parent due to a tenant dispute that occurred in XXXX and was acceptable timeline in our guidelines. - XX/XX/XXXX |
Resolved-Resolved. The detail information received addresses the issues identified during audit review. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8482658 | N/A | N/A | ||||
| XXXX | XXXX | 10232865 | Closed | 2026-03-31 04:55 | 2026-05-11 05:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Lender provided guaranty agreement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided guaranty agreement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8400876 | N/A | N/A | |||
| XXXX | XXXX | 10232865 | Closed | 2026-04-06 14:20 | 2026-05-11 05:49 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Lender provided the loan and security agreement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. page X - Seller-XX/XX/XXXX Open-Missing the loan and security agreement that identifies the allocated loan amount per property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. page X - Seller-XX/XX/XXXX |
Resolved-Lender provided the loan and security agreement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8509979 | N/A | N/A | |||
| XXXX | XXXX | 10232865 | Closed | 2026-03-31 04:41 | 2026-05-11 05:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Lender provided the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8400770 | N/A | N/A | |||
| XXXX | XXXX | 10232865 | Closed | 2026-03-31 04:38 | 2026-05-11 05:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Lender provided the note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided the note. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8400740 | N/A | N/A | |||
| XXXX | XXXX | 10232865 | Closed | 2026-03-31 04:33 | 2026-04-08 03:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested XXX Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested XXX Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXXXXXXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8400709 | N/A | N/A | |||
| XXXX | XXXX | 10232865 | Closed | 2026-03-31 05:22 | 2026-04-08 01:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed final XXXX settlement statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Missing final signed settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested signed final XXXX settlement statement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8401089 | N/A | N/A | |||
| XXXX | XXXX | 10232412 | Closed | 2026-04-02 09:46 | 2026-05-08 14:08 | Resolved | 1 - Information | C | A | Compliance | Closing | Property address listed on HUD is not consistent with Note | Resolved-Document Uploaded. Revised XXX provided with all XX properties listed. E-mail confirmation from Title company about the formatting of the addresses. - Due Diligence Vendor-XX/XX/XXXX Counter-Document provided for Final XXX with property address typed on the address section. Document not acknowledged by the buyer or stamped by the title company. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property address for the XXth property (XXX XX XXth XX) not reflecting on the Property address list at the top of the HUD-X settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. Revised XXX provided with all XX properties listed. E-mail confirmation from Title company about the formatting of the addresses. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXX.XXX XXX XXXXXXXXX XXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8455596 | N/A | N/A | |||
| XXXX | XXXX | 10232760 | Closed | 2026-04-01 01:27 | 2026-04-28 10:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Executed XXX has been provided for review. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Pages X and X are cut-off preventing review of CTC or fees after lines XXX and XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Hud showing property XXX XXXXXXXXX XXXX XXXXXX uploaded. - Seller-XX/XX/XXXX Counter-The provided XXX does not list the following property in the Property Location section - XXX XXXXXXXXX XXXX XXXXXX. The bottom portions of page X-X are cut-off as well. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The previously provided XXX does not list XXX XXXXXXXXX property in it's Property Location section. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXX XXXXXXXXX property is not reflected on the given settlement statement page #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Final Hud showing property XXX XXXXXXXXX XXXX XXXXXX uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed XXX has been provided for review. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXX XXXXXXX XXX.XXX XXXXXXXXXX_XXXXXXXXXXX.XXX XXXXXXXXXX_XXXXX_XXX_.XXX XXXXXXXXXX_XXXX XXXXX XXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8420077 | N/A | N/A | |||
| XXXX | XXXX | 10220347 | Closed | 2026-04-01 22:49 | 2026-04-07 06:39 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-received confirmation client used the conservative amount of XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Lender used the monthly rental income /adjusuted rented income of $X,XXX from the XXXX in an effort to be conservative - Buyer-XX/XX/XXXX Open-Originator XXXX calculation is X.XX whereas the Review XXXX: Rental Unit X $XXXX + XXX $XXXX.XX = $XXXX.XX / Total subject housing expense: $X,XXX.XX [$X,XXX.XX (P&I) + $XX.XX (Tax) + $XX.XX (HOI)+ $X (HOA)]= X.XXX XXXX ratio. Variance possibly due to lender not considering Rent amount from XXX for XXXX calculation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-received confirmation client used the conservative amount of XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8443585 | N/A | N/A | |||||
| XXXX | XXXX | 10232381 | Closed | 2026-04-09 10:15 | 2026-04-21 09:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-The client has provided a Sizer. The Diligence Final Look page has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - Uploaded Sizer again - Seller-XX/XX/XXXX Counter-The sizer was not attached. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - Uploaded Sizer - Seller-XX/XX/XXXX Open-A copy of the sizer document is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - Uploaded Sizer again - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - Uploaded Sizer - Seller-XX/XX/XXXX |
Resolved-The client has provided a Sizer. The Diligence Final Look page has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX.XXX | XXXX | Investment | Purchase | NA | 8578553 | N/A | N/A | |||
| XXXX | XXXX | 10232399 | Closed | 2026-04-09 00:38 | 2026-04-09 08:53 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset Qualifications do not meet requirements | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception in file for reserves being short from the X month requirement for a Rate and Term Refi with no lease in place. - Due Diligence Vendor-XX/XX/XXXX | Waived-Asset Qualification Does Not Meet Guideline Requirements Exception in file for reserves being short from the X month requirement for a Rate and Term Refi with no lease in place. - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by X%. XXX Representative credit score exceeds the minimum required of XXX by XX points XXXX ratio of X.X exceeds the minimum requirement of X by X.X points. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8565676 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10232833 | Closed | 2026-08-11 14:20 | 2026-08-12 11:23 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal Update was provided with date of X/X/XXXX, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXXX Completion date if available to confirm if expired. (Days Difference is XXXXXX) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Appraisal Update was provided with date of X/X/XXXX, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10748628 | N/A | N/A | |||||
| XXXX | XXXX | 10232833 | Closed | 2026-08-11 14:20 | 2026-08-12 11:23 | Resolved | 1 - Information | C | A | Property | Property | Condo Project Warrantable Status Does Not Meet Guideline Requirements | Resolved-Condition generated due to data entry error, loan has met guideline requirements, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX Open-The Warrantable status of the Condo Project is set to No, NA or Unable to Determine, Review and correct if applicable. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Condition generated due to data entry error, loan has met guideline requirements, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10748630 | N/A | N/A | |||||
| XXXX | XXXX | 10232833 | Closed | 2026-08-11 14:20 | 2026-08-12 11:21 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Appraisal Update was provided with date of X/X/XXXX, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Appraisal Update was provided with date of X/X/XXXX, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10748627 | N/A | N/A | |||||
| XXXX | XXXX | 10232833 | Closed | 2026-08-11 14:20 | 2026-08-12 11:21 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Appraisal Update was provided with date of X/X/XXXX, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Appraisal Update was provided with date of X/X/XXXX, finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10748629 | N/A | N/A | |||||
| XXXX | XXXX | 10232604 | Closed | 2026-04-09 04:23 | 2026-04-16 08:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-HUD-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-HUD-X document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXX XXXXX XXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8568875 | N/A | N/A | |||
| XXXX | XXXX | 10232707 | Closed | 2026-04-09 14:38 | 2026-04-17 10:47 | Resolved | 1 - Information | C | A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Updated Title Report provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Title Insurance amount of $XXX,XXX is less than loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Title Report provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8583981 | N/A | N/A | |||
| XXXX | XXXX | 10232707 | Closed | 2026-04-09 14:47 | 2026-04-09 14:48 | Waived | 2 - Non-Material | B | B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Open-Exception page XXX approved for STR property owned < XX months using the lessor of actuals or STR market rents (actuals used to qualify). - Due Diligence Vendor-XX/XX/XXXX | XX.X% LTV is below the maximum XX% LTV by X.X%. XXX Representative credit score exceeds the minimum required of XXX by XX points. $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by X months over the required minimum. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8584247 | Originator Pre-Close | Yes | |||||
| XXXX | XXXX | 10229154 | Closed | 2026-04-10 05:12 | 2026-04-28 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-The documentation received was sufficient to resolve the finding. Insurance renewal - Due Diligence Vendor-XX/XX/XXXX Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached HOA file for renewal XX/XX/XXXX - XX/XX/XXXX - Seller-XX/XX/XXXX Counter-Master Policy received. However, the Policy Information Page of the provided documents indicate that the policy period was XX/XX/XXXX to XX/XX/XXXX. This policy is expired. No evidence of renewal provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached HOA policy - Seller-XX/XX/XXXX Open-Missing HO-X Master Insurance Policy The master insurance policy for the condominium was not located in the loan file. It could not be determined if the master insurance is sufficient to cover the outside of the building. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached HOA file for renewal XX/XX/XXXX - XX/XX/XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached HOA policy - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Insurance renewal - Due Diligence Vendor-XX/XX/XXXX Resolved-HO-X Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XX-XXXX_XXXXXX XXXXXXXXXXX_XX XXXXX XXXXXXXXX_XXX-XXX XXXXXXXX.XXX XXXX XXXXX - XXX XXXXXXX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8591237 | N/A | N/A | |||
| XXXX | XXXX | 10229154 | Closed | 2026-04-10 05:30 | 2026-04-23 06:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title provided, Updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final title policy with the correct date uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing The title documentation for the transaction dated XX/XX/XXXX was not located in the loan file. It is noted the file does contain a title commitment dated XX/XX/XXXX. This documentation is outdated for the use in qualifying. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final title policy with the correct date uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Title provided, Updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8591434 | N/A | N/A | |||
| XXXX | XXXX | 10229156 | Closed | 2026-04-10 03:27 | 2026-04-24 04:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Requested Title Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final title policy uploaded. - Seller-XX/XX/XXXX Open-Title Document is Incomplete We have title policy at page #XXXX but effective date is missing in title report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final title policy uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Title Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX_X.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8589116 | N/A | N/A | |||
| XXXX | XXXX | 10229156 | Closed | 2026-04-10 03:27 | 2026-04-24 04:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Delinquent Property Tax Bill provided. Delinquent tax paid at closing on Final HUD-X Settlement statement. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax Cert uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Evidence of property tax is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax Cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Delinquent Property Tax Bill provided. Delinquent tax paid at closing on Final HUD-X Settlement statement. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXX XXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8589115 | N/A | N/A | |||
| XXXX | XXXX | 10229157 | Closed | 2026-04-10 04:51 | 2026-04-14 01:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested updated HOI policy with correct dates provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Hazard Insurance Effective date is missing and expiration date X/XX/XXXX, Disbursement X/XX/XXXX. Provide updated policy with effective and expiration dates. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached - Seller-XX/XX/XXXX |
Resolved-Requested updated HOI policy with correct dates provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8591044 | N/A | N/A | |||
| XXXX | XXXX | 10229159 | Closed | 2026-04-10 01:09 | 2026-04-13 05:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title document uploaded with commitment date. - Seller-XX/XX/XXXX Open-Title Document is Incomplete Effective date is not present in title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title document uploaded with commitment date. - Seller-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8588361 | N/A | N/A | |||
| XXXX | XXXX | 10229162 | Closed | 2026-04-10 02:51 | 2026-04-14 01:28 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Requested XXXXD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXD Completion Report is Missing Requested XXXXD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal recertificaton document uploaded. - Seller-XX/XX/XXXX Open-XXXXD Completion Report is Missing The XXXX appraisal is expired as of XX/XX/XXXX, and the XXXX appraisal was completed “subject to.” The XXXXD is missing from the file for the expired appraisal. Per guidelines, appraisals must be dated within XXX days of the closing date. Appraisals dated between XXX and XXX days may be acceptable with a recertification of value. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal recertificaton document uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested XXXXD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXD Completion Report is Missing Requested XXXXD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXXX. XXXX XXXXXXXXXX XXX._ XXXXXXX_ XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8588879 | N/A | N/A | |||
| XXXX | XXXX | 10229171 | Closed | 2026-04-10 10:53 | 2026-04-14 08:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is XXXXX Farm Policy, the total coverage carried $XXX,XXX - Appraisail Cost of New is $XXX,XXX borrower cannot carry Loan amount as building coverage that is overinsurance. This property is covered to Full Replacement Cost value. Attaching the Declaration page showing Dwelling coverage $XXX,XXX and XXXXX Farm Feature of Dwelling Extra Replacement Cost up to an additional $XX,XXX at the time of the loss settlement. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This is XXXXX Farm Policy, the total coverage carried $XXX,XXX - Appraisail Cost of New is $XXX,XXX borrower cannot carry Loan amount as building coverage that is overinsurance. This property is covered to Full Replacement Cost value. Attaching the Declaration page showing Dwelling coverage $XXX,XXX and XXXXX Farm Feature of Dwelling Extra Replacement Cost up to an additional $XX,XXX at the time of the loss settlement. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX.XXX XXXXXXXXXX XXXX XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8598848 | N/A | N/A | |||
| XXXX | XXXX | 10229172 | Closed | 2026-04-10 06:51 | 2026-04-14 01:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested additional assets provided, now reserves are sufficient, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements and entity doc uploaded. - Seller-XX/XX/XXXX Open- This is a rate term refinance. Per the guidelines for refinance, X months of reserves is required which is $X,XXX.XX. The bank statement dated X/XX/XXXX in the file shows a ending balance of $X,XXX.XX. Total reserves from HUD is $X,XXX.XX. Total assets being used for reserves is $XX,XXX.XX. Borrower funds required at closing is $X,XXX.XX. If you take the $XX,XXX.XX-$X,XXX.XX-$X,XXX.XX the reserves is short $XXX.XX. Please provide additional asset documentation to support the required reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional statements and entity doc uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested additional assets provided, now reserves are sufficient, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX_XXXX XXXXXXXX XXX.XXX XXXX XXXXXXXX XXX_XXXXXXX XXXX XXXXXXXXX.XXX XXXXXX.XXXX XXXXXXXX XXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8592620 | N/A | N/A | |||
| XXXX | XXXX | 10229175 | Closed | 2026-04-09 22:57 | 2026-04-14 01:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested Business purpose affidavit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Non occupancy document uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Non occupancy document uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Business purpose affidavit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8587351 | N/A | N/A | |||
| XXXX | XXXX | 10229178 | Closed | 2026-04-11 07:56 | 2026-04-21 06:06 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Explanation of rental amounts used in the approval was provided. Updated the lease amounts and DSCR matches at X.XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan has been qualified using the lowest of market and actual rent amount for each units, attached the calculation used for the qualification. - Seller-XX/XX/XXXX Open-It appears the lender utilized $X,XXX in rental income for the subject property. The lender’s DSCR was calculated at X.XXX, using rental income of $X,XXX and PITIA of $X,XXX.XX. However, the leases in the file reflect total rents of $X,XXX, and the appraisal reflects market rents of $X,XXX. The hazard insurance only reflects rental loss coverage for the $X,XXX monthly. Per the documentation in the file the auditor calculated DSCR is X.XXX ($XXXX/XXXX.XX). Please provide documentation to support the $X,XXX rental income used in the approval and/or an explanation for the variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Loan has been qualified using the lowest of market and actual rent amount for each units, attached the calculation used for the qualification. - Seller-XX/XX/XXXX |
Resolved-Explanation of rental amounts used in the approval was provided. Updated the lease amounts and DSCR matches at X.XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8609640 | N/A | N/A | |||
| XXXX | XXXX | 10229178 | Closed | 2026-04-10 04:59 | 2026-04-14 05:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-HUD statements for other properties being refinanced and the borrower receiving funds were provided. Those funds have been entered on the assets screen. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD statements from other additional properties closings uploaded. - Seller-XX/XX/XXXX Open-This is a rate term refinance. Per the guidelines for refinance, X months of reserves is required which is $XX,XXX.XX. The bank statement in the file shows a ending balance of $X,XXX.XX. Total reserves from HUD is $X,XXX.XX. If you take the $XX,XXX.XX-$XX,XXX.XX, the reserves is short $X,XXX.XX. Please provide additional asset documentation to support the required reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD statements from other additional properties closings uploaded. - Seller-XX/XX/XXXX |
Resolved-HUD statements for other properties being refinanced and the borrower receiving funds were provided. Those funds have been entered on the assets screen. - Due Diligence Vendor-XX/XX/XXXX |
XXX-X - XXXX XXXXXXX XX.XXX XXX-X - XXXX X XXXX XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8591125 | N/A | N/A | |||
| XXXX | XXXX | 10229178 | Closed | 2026-04-11 07:39 | 2026-04-14 05:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Documentation was provided to support the amount used in the approval of $X,XXX.XX annually. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Unable to locate the tax documentation used in the approval for $XXX.XX monthly. Reviewed the file uploads as well. There is one document in there labeled taxes but cannot be opened due to how it was saved. Please provide the tax documentation used in the approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Documentation was provided to support the amount used in the approval of $X,XXX.XX annually. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX XXXXXXXXXXXXX XXXXX-XXXX XXXXX.XXX XXXXXX.XXXX XXX XXXX $$$ XXXXXX XXXX XXXX X.XXX XXXXXX.XXXXXX.XXXXXXX.XXXX XXXXX XXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8609635 | N/A | N/A | |||
| XXXX | XXXX | 10229186 | Closed | 2026-04-10 07:45 | 2026-04-14 01:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax certificate with updated taxes of $X,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Evidence of property tax is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested tax certificate with updated taxes of $X,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXX XXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8593614 | N/A | N/A | |||
| XXXX | XXXX | 10229188 | Closed | 2026-04-10 07:47 | 2026-04-15 06:40 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Updated the insurance screens with information provided. Finding is resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Be advised that this property has two structures on premises. First location is listed as XXX XXXXXXX XX. and Second location is insured as XXX X/X XXXXXXXX XXXXXX. Full collateral coverage is $XXX,XXX XXX XXXXXXX carries $XXX,XXX and collateral X is insured for $XXX,XXX. this had to be done because there is actually two seperate structured separated by a clear space which needed to split RCE value between two policies. Borrower is carrying adquate coverage. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Provide RCE document as hazard coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Be advised that this property has two structures on premises. First location is listed as XXX XXXXXXX XX. and Second location is insured as XXX X/X XXXXXXXX XXXXXX. Full collateral coverage is $XXX,XXX XXX XXXXXXX carries $XXX,XXX and collateral X is insured for $XXX,XXX. this had to be done because there is actually two seperate structured separated by a clear space which needed to split RCE value between two policies. Borrower is carrying adquate coverage. - Seller-XX/XX/XXXX |
Resolved-Updated the insurance screens with information provided. Finding is resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXX X.X XXXXXXX XX - XXX XXXX XXXX XXXXXX XXXXXXXX.XXX XXX XXXXXXX XX - XXX XXXX XXXX XXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8593649 | N/A | N/A | |||
| XXXX | XXXX | 10229191 | Closed | 2026-04-10 06:42 | 2026-04-14 08:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Provide hazard insurance document as it is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached. - Seller-XX/XX/XXXX |
Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXX-XXX-XXXXXXXX.XXX XXXXXXXXX XXXXXX (XX).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8592487 | N/A | N/A | |||
| XXXX | XXXX | 10229192 | Closed | 2026-04-12 06:52 | 2026-04-14 06:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Explanation was provided as to the amounts used for hazard insurance and proof of payment is in the file. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The correct premium is $X,XXX.XX. The original policy is master policy with two location. We requested the agent to breakout the premium only for XXX XXXXXX XX, XXXXXX, XX XXXXX. The premium in the EOI is for the entire policy. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided The hazard insurance policy on page XXX reflects an annual premium of $X,XXX.XX. However, documentation on pages XXX–XXX reflects a paid amount of $X,XXX.XX. Please provide an explanation for why the $X,XXX.XX amount was used instead of the stated annual premium of $X,XXX.XX, or submit a revised hazard insurance policy reflecting an annual premium of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The correct premium is $X,XXX.XX. The original policy is master policy with two location. We requested the agent to breakout the premium only for XXX XXXXXX XX, XXXXXX, XX XXXXX. The premium in the EOI is for the entire policy. - Seller-XX/XX/XXXX |
Resolved-Explanation was provided as to the amounts used for hazard insurance and proof of payment is in the file. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXXXXXX.XXXXXX.XXX XX.XXX.XXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8610442 | N/A | N/A | |||
| XXXX | XXXX | 10229193 | Closed | 2026-04-13 11:08 | 2026-04-21 06:18 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-HOI premium updated. DSCR now matches - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded the invoice with the annual premium of $XXXX.XX - Seller-XX/XX/XXXX Open-DSCR at the time of audit does not match DSCR at origination. Documentation for hazard insurance in file does not support the amount used for qualification. Insurance escrow reflects an hazard amount of $XXX.XX per month. Invoice in file reflects an insurance escrow amount of $XX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded the invoice with the annual premium of $XXXX.XX - Seller-XX/XX/XXXX |
Resolved-HOI premium updated. DSCR now matches - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8627398 | N/A | N/A | |||
| XXXX | XXXX | 10229193 | Closed | 2026-04-13 10:41 | 2026-04-15 07:57 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Updated dec page provided with sufficient coverage - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per our colleteral worksheet the Income reported was $XX,XXX and EOI shows $XX,XXX as total annual amount of loss of rent coverage. - Seller-XX/XX/XXXX Open-Hazard documentation in file on page XXX does not reflect sufficient rent loss coverage as required by the Lender Guidelines. Please provide documentation to support sufficient documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per our colleteral worksheet the Income reported was $XX,XXX and EOI shows $XX,XXX as total annual amount of loss of rent coverage. - Seller-XX/XX/XXXX |
Resolved-Updated dec page provided with sufficient coverage - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XXXXXX.XXXX XXXXXXX.XXXXXXXXXX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8626650 | N/A | N/A | |||
| XXXX | XXXX | 10229193 | Closed | 2026-04-10 07:53 | 2026-04-14 02:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax certificate with updated taxes of $XXXX.XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Property tax cert for the subject property is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested tax certificate with updated taxes of $XXXX.XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXXX XXXXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8593806 | N/A | N/A | |||
| XXXX | XXXX | 10229193 | Closed | 2026-04-10 08:08 | 2026-04-14 02:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Background report uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Background report uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8594151 | N/A | N/A | |||
| XXXX | XXXX | 10229198 | Closed | 2026-04-12 23:38 | 2026-04-15 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Both Binder and Invoice provide by agent annual premium $X,XXX.XX which includes a X.XX% or $XX.XX payment processing fee. This is the correct premium. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Per hazard insurance doc on page #XXX, the premium is $XXX.XX ( or $X,XXX.XX annually), however final settlement statemen on page #X shows monthly hazard premium as $XXX.XX. Provide proof of document validating this $XXX.XX premium. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Both Binder and Invoice provide by agent annual premium $X,XXX.XX which includes a X.XX% or $XX.XX payment processing fee. This is the correct premium. - Seller-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXXX.XXX XXXXX XXXXXXX XXXXXX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8613245 | N/A | N/A | ||||
| XXXX | XXXX | 10229203 | Closed | 2026-04-13 11:45 | 2026-04-17 08:33 | Resolved | 1 - Information | C | A | Credit | Credit | Liquid Funds Post-Close is less than $0 | Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank statements uploaded. - Seller-XX/XX/XXXX Open-Liquid fund post close is less than X Short reserves - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank statements uploaded. - Seller-XX/XX/XXXX |
Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXX XXX.XXX XXXXXXXX-XXXXXXXXX-XX-XXXX.XXX XXXXXXXX-XXXXXXXXX-XX-XXXX (X).XXX XXX XXXXXXX.XXX XXXXXXXXXXXXXXXX-XXXX_XXXXXXXXXX_XXXXXXXX.XXX XXXXXXXXXXXXXXXX-XXXX_XXXXXXXXXX_XXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 8628774 | N/A | N/A | |||
| XXXX | XXXX | 10229203 | Closed | 2026-04-13 11:30 | 2026-04-14 08:55 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of ownership of the borrower for XXXX XXXXXXX, XXX has been uploaded. - Seller-XX/XX/XXXX Open-Please provide Articles of Incorporation or comparable documents for XXXX XXXXXXX, XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof of ownership of the borrower for XXXX XXXXXXX, XXX has been uploaded. - Seller-XX/XX/XXXX |
XXXX XXXXXXX XXX.XXX | XXXX | Investment | Purchase | NA | 8628239 | N/A | N/A | ||||
| XXXX | XXXX | 10229207 | Closed | 2026-04-13 12:09 | 2026-04-15 08:03 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Dec page reflecting ALS coverage provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EOI issued by carrier states coverage is XXXXX ALS. Which would not add a dollar value in these cases as it requires borrower to provide proof of rent collected for the year and calculated at the time of loss. - Seller-XX/XX/XXXX Open-Hazard insurance documentation does not reflect business interruption/rent loss coverage. Please provide documentation to support sufficient coverage per Lender Guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EOI issued by carrier states coverage is XXXXX ALS. Which would not add a dollar value in these cases as it requires borrower to provide proof of rent collected for the year and calculated at the time of loss. - Seller-XX/XX/XXXX |
Resolved-Dec page reflecting ALS coverage provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8629397 | N/A | N/A | |||
| XXXX | XXXX | 10229220 | Closed | 2026-04-13 00:17 | 2026-04-16 13:03 | Resolved | 1 - Information | C | A | Credit | Credit | File does not contain all required Asset Statement(s) | Resolved-Full statement received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded full Feb month statement for acc XXXX. - Seller-XX/XX/XXXX Open- February month XXX #XXXX bank statement on page # XX shows only X page- Missing pages X to XX . Required complete document to verify - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded full Feb month statement for acc XXXX. - Seller-XX/XX/XXXX |
Resolved-Full statement received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXX-XX-XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8613499 | N/A | N/A | |||
| XXXX | XXXX | 10229224 | Closed | 2026-04-10 13:45 | 2026-04-14 06:17 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Resolved. Document provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Operating Agreement for XXXXX XXXXXX XXX uploaded. - Seller-XX/XX/XXXX Open-Per the XXXXXXXXXX on page XX, the Operating Agreement of the ownership entity detailing ownership and access to available funds must be verified for the provided asset statements. The file is missing the Operating Agreement for XXXXX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Operating Agreement for XXXXX XXXXXX XXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. Document provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XX XXX XXXXX XXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8603671 | N/A | N/A | |||
| XXXX | XXXX | 10229226 | Closed | 2026-04-09 05:31 | 2026-04-13 12:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-HUD statement from sale of property was provided and entered on the assets screen. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cash out from a different deal was used for liquidity, HUD and OA for the same uploaded. - Seller-XX/XX/XXXX Open-This is a rate term refinance. Per the XXXXXXXXXX for refinance, X months of reserves is required which is $XX,XXX.XX. The bank statement in the file shows a ending balance of $XX,XXX.XX. Total reserves from HUD is $XX,XXX.XX. If you take the $XX,XXX.XX-$XX,XXX.XX, the reserves is short $XX,XXX.XX. Please provide additional asset documentation to support the required reserves. Per the HUD statement $XXX,XXX.XX is required from the borrower at closing. The verified assets per the most recent bank statement in the file is $XX,XXX.XX. Borrower is short $XXX,XXX.XX. Please provide additional asset documentation to support assets needed to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cash out from a different deal was used for liquidity, HUD and OA for the same uploaded. - Seller-XX/XX/XXXX |
Resolved-HUD statement from sale of property was provided and entered on the assets screen. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX XXX (X).XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8570140 | N/A | N/A | |||
| XXXX | XXXX | 10229228 | Closed | 2026-04-09 09:44 | 2026-04-13 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-$XXX tax amount has been verified using the appraisal document. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax amount per tax cert on page #XXX, XXX is $XXX.XX ( or $X,XXX.XX semi annually). However, appraisal, final HUDX shows tax amount as $XXX ( or $X,XXX annually). Provide proof of tax document validating this $XXX tax amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-$XXX tax amount has been verified using the appraisal document. - Seller-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8577883 | N/A | N/A | |||||
| XXXX | XXXX | 10229228 | Closed | 2026-04-10 12:53 | 2026-04-13 09:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded consecutive statements for both the accounts. - Seller-XX/XX/XXXX Open-XXXXX accounts #XXXX and #XXXX only have one statement each. Need second consecutive statements for both accounts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded consecutive statements for both the accounts. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXX XXXXX.XXX XXX XXXX XXXX XXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8601885 | N/A | N/A | |||
| XXXX | XXXX | 10229230 | Closed | 2026-04-09 10:57 | 2026-04-21 07:22 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Resolved. Valuation provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXXX Only XXXXXXXXX uploaded. - Seller-XX/XX/XXXX Open-Second XXXXXXXXX/ XXXXXXXXX is Missing Required for Securitizations Subject loan is a refinance cash-out transaction with an LTV >= XX%. Missing required Second Evaluation to be Full XXXXXXXXX or XXXXXXXX Only XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXXX Only XXXXXXXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. Valuation provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXXX XXXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8579355 | N/A | N/A | |||
| XXXX | XXXX | 10229230 | Closed | 2026-04-09 10:13 | 2026-04-13 08:33 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Resolved. Proof of receipt of Security deposit for rent provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of security deposit uploaded. - Seller-XX/XX/XXXX Open-Per lender XXXXXXXXXX, a lease with a start date (XX/XX/XXXX) within XX days of closing date (XX/XX/XXXX) required proof of receipt of security deposit. Provide proof of receipt of $X,XXX.XX security deposit, per the lease agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof of security deposit uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. Proof of receipt of Security deposit for rent provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8578509 | N/A | N/A | |||
| XXXX | XXXX | 10229232 | Closed | 2026-04-09 04:10 | 2026-04-14 02:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Premium issued by the carrier supersceed EOI provided by insurace Agent. The premium $X,XXX was previous without the Extra Replacement Cost coverage. The final premium is $X,XXX which is the invoice issued by the insurance company. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Hazard insurance premium reflected on the ALTA statement is $XXXX. Per the dec page in file on page XXX reflects a premium amount of $XXXX. Please provide documentation to support the amount on the ALTA. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Premium issued by the carrier supersceed EOI provided by insurace Agent. The premium $X,XXX was previous without the Extra Replacement Cost coverage. The final premium is $X,XXX which is the invoice issued by the insurance company. - Seller-XX/XX/XXXX |
Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXX XXXX.XXX | XXXX | Investment | Purchase | NA | 8568618 | N/A | N/A | |||
| XXXX | XXXX | 10229232 | Closed | 2026-04-09 08:13 | 2026-04-13 06:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete Note uploaded. - Seller-XX/XX/XXXX Open-The Note is Incomplete The note in file is incomplete. Please provide page X and X of the X page Note. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete Note uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Purchase | NA | 8574381 | N/A | N/A | |||
| XXXX | XXXX | 10229256 | Closed | 2026-04-10 16:04 | 2026-05-07 07:08 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Updated system with XX secondary valuation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX Counter-The document was not uploaded. Provide the appraisal for review. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Secondary appraisal uploaded. - Seller-XX/XX/XXXX Open-Appraisal review guidance states that a field review is required for X-X units with LTV ≥ XX% LTV for cash out. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX Ready for Review-Secondary appraisal uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated system with XX secondary valuation. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX-XX-XX XX XXX XXXXXXXXXX (X) (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8606340 | N/A | N/A | |||
| XXXX | XXXX | 10229256 | Closed | 2026-04-10 16:09 | 2026-04-20 18:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated EOI - Seller-XX/XX/XXXX Counter-RCE is $XXX,XXX with HOI policy max coverage of $XXX,XXX. Provide the HOI policy with the necessary increase. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see RCE attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated EOI - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see RCE attached. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX XXXXXX XXXXXXX XXXX XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8606409 | N/A | N/A | |||
| XXXX | XXXX | 10229256 | Closed | 2026-04-10 15:01 | 2026-04-20 07:11 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Federal EIN provided by the IRS uploaded. - Seller-XX/XX/XXXX Counter-Provide the Federal EIN provided by the IRS. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Articles of Incorporation and EIN documents uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents including EIN documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Federal EIN provided by the IRS uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Articles of Incorporation and EIN documents uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XX XXX.XXX XXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8605232 | N/A | N/A | |||
| XXXX | XXXX | 10229265 | Closed | 2026-04-08 13:37 | 2026-04-13 09:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax cert uploaded, showing the bi annual tax amount of $XXXX.XX, loan was qualified using $XXXX.XX*X - Seller-XX/XX/XXXX Open-Page XXX listed for property taxes does not show the property tax amount. Provide documentation for annual property taxes. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax cert uploaded, showing the bi annual tax amount of $XXXX.XX, loan was qualified using $XXXX.XX*X - Seller-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXXXX XXXXX XXXXXX X.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8556288 | N/A | N/A | ||||
| XXXX | XXXX | 10229265 | Closed | 2026-04-08 09:57 | 2026-04-08 09:57 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Document Uploaded. DL found in uploads - Due Diligence Vendor-XX/XX/XXXX | Resolved-Document Uploaded. DL found in uploads - Due Diligence Vendor-XX/XX/XXXX |
XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8551914 | N/A | N/A | ||||
| XXXX | XXXX | 10229274 | Closed | 2026-04-09 16:30 | 2026-04-13 06:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lease agreement uploaded. - Seller-XX/XX/XXXX Open-Lease is missing in file only have e-mail on page XXX that tenant moved into the subject and increase started in March XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Lease agreement uploaded. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXXX XXXX X.XXX XXXXX XXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8585645 | N/A | N/A | |||
| XXXX | XXXX | 10229166 | Closed | 2026-04-08 23:50 | 2026-04-24 10:03 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The client acknowledges the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledges the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8565344 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10229223 | Closed | 2026-04-08 05:43 | 2026-04-13 05:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Completion Report (XXXXX) uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal recertificaton document uploaded. - Seller-XX/XX/XXXX Open-XXXXD document is missing for the property XXX XXXX XXth X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal recertificaton document uploaded. - Seller-XX/XX/XXXX |
Resolved-Completion Report (XXXXX) uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX X XXXX XX(X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8544982 | N/A | N/A | |||
| XXXX | XXXX | 10232683 | Closed | 2026-04-15 06:13 | 2026-04-24 04:40 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Requested Secondary Valuation XX provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Required for Securitizations Secondary valuation is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Secondary Valuation XX provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX X X XXXXXX XXXXX .XXX | XXXX | Investment | Refinance | Cash Out - Other | 8673479 | N/A | N/A | |||
| XXXX | XXXX | 10259144 | Closed | 2026-04-17 11:20 | 2026-04-23 07:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Initial Credit report updated application date with the initial report - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Missing the initial credit report have credit report dated XX/XX and Note date is dated XX/XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Received Initial Credit report updated application date with the initial report - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8741328 | N/A | N/A | |||
| XXXX | XXXX | 10259146 | Closed | 2026-04-17 06:25 | 2026-04-30 13:29 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-The documentation received was sufficient to resolve the finding. XXXXX - Due Diligence Vendor-XX/XX/XXXX Counter-The guidelines state that Appraisals dated within XXX days of closing date are required. The Desk Review (exp XX/XX/XX) and Exterior Only inspection (exp XX/XX/XX) are both expired. The loan file is missing X appraisal products, a desk review and exterior only inspection, dated within XXX days of the note date of XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXD document uploaded. - Seller-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXD document uploaded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. XXXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXX(X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8731995 | N/A | N/A | |||
| XXXX | XXXX | 10259146 | Closed | 2026-04-17 12:45 | 2026-04-22 14:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 1 Missing | Resolved-The client provided documentation showing that the borrower is the owner of XXX Group and as access to the funds. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document showing proof of ownership uploaded. - Seller-XX/XX/XXXX Open-As per the guideline liquid assets, When business accounts are used to satisfy liquidity requirements, the operating agreement of the ownership entity detailing ownership and access to available funds must be verified. The loan file contain an XXXXX XXXXX statement in the name of XXX Group, XXX. however there is no evidence in the loan file that the borrower has access to these funds. The loan file is missing evidence that the borrower has access to the funds in XXXXX XXXXX # XXXX/XXXX via the operating agreement for XXX Group XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document showing proof of ownership uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided documentation showing that the borrower is the owner of XXX Group and as access to the funds. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXX XXX.XXX XXX XXXXX XXX - XXXXXX XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8743315 | N/A | N/A | |||
| XXXX | XXXX | 10259156 | Closed | 2026-04-17 03:11 | 2026-04-17 12:26 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Purchase | NA | 8723969 | Originator Post-Close | No | ||||||
| XXXX | XXXX | 10259165 | Closed | 2026-04-16 22:37 | 2026-04-17 10:45 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. No state specific Guidline for XX state prepaymrnt Penalty structure is X -X-X-X-X - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8721213 | Investor Post-Close | No | ||||||
| XXXX | XXXX | 10259167 | Closed | 2026-04-17 04:14 | 2026-04-17 13:27 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. We have prepayment penalty under note document and updated the same in note page. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Purchase | NA | 8729284 | Investor Post-Close | No | ||||||
| XXXX | XXXX | 10259168 | Closed | 2026-04-17 05:26 | 2026-04-17 13:53 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8730609 | Originator Post-Close | Yes | |||||
| XXXX | XXXX | 10259181 | Closed | 2026-04-17 08:33 | 2026-05-13 14:14 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-The documentation received was sufficient to resolve the finding. Updated CDA - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary Valuation uploaded. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provided Desktop review "Risk Score is Indeterminate" hence we need updated Secondary Valuation or Additional Valuation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary Valuation uploaded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Updated CDA - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XX XXXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8734793 | N/A | N/A | |||
| XXXX | XXXX | 10259201 | Closed | 2026-04-21 11:17 | 2026-04-30 08:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Cash reserves less than required by guidelines | Resolved-addtn'l asset rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower transferred $XX,XXX to a XXXX under her LLC. She opened this account in February and transferred the money from the XXXX. This was done on X/XX transaction is title "check XX" on the XXXX statement. - Seller-XX/XX/XXXX Open-Reserve requirement is currently $XXXX.XX short. Provide additional assets - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower transferred $XX,XXX to a XXXX under her LLC. She opened this account in February and transferred the money from the police credit union. This was done on X/XX transaction is title "check XX" on the credit union statement. - Seller-XX/XX/XXXX |
Resolved-addtn'l asset rec'd/resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX.XXX XX XXXXXX XXXXXXXX XXX – XXXXXXXXX XXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 8799673 | N/A | N/A | |||
| XXXX | XXXX | 10259223 | Closed | 2026-04-21 04:53 | 2026-04-23 01:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised Title Commitment uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than loan amount of $XXX,XXX. Please provide the updated title work with coverage at or above the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised Title Commitment uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated title doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXX - XXXX-XX-XXXXXXXXX.XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8790632 | N/A | N/A | |||
| XXXX | XXXX | 10259228 | Closed | 2026-04-21 13:09 | 2026-04-23 08:14 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Business documents provided for XXXX Investments. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Entity documents for XXXX XXXX XXXX uploaded. - Seller-XX/XX/XXXX Open-Please provide Articles of Incorporation or comparable documents for XXXX Investments showing guarantors are owners of the company the property is currently vested in. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Entity documents for XXXX XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Business documents provided for XXXX Investments. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX.XXX XXXXXXXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8802931 | N/A | N/A | |||
| XXXX | XXXX | 10259231 | Closed | 2026-04-22 06:30 | 2026-05-12 12:34 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-The documentation received was sufficient to resolve the finding. Secondary valuation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exterior Valuation uploaded. - Seller-XX/XX/XXXX Open-Loan file does not contain additional valuation File is missing an Exterior Valuation or Desk Review. The property is a X-unit dwelling, and the loan is a Cash Out with an LTV of XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exterior Valuation uploaded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Secondary valuation. - Due Diligence Vendor-XX/XX/XXXX |
XXXX X XXXXXX XXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8815334 | N/A | N/A | |||
| XXXX | XXXX | 10259235 | Closed | 2026-04-21 14:59 | 2026-05-01 08:05 | Resolved | 1 - Information | B | A | Credit | Credit | Missing junior lien documentation | Resolved-Loan is cash out - taking additional cash to pay off Xnd lien against another property. See page XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded. - Seller-XX/XX/XXXX Open-Provide documentation that payoff to XXX East XXnd St in the amount of $XX,XXX was a part of the original purchase to qualify loan as a rate/term refinance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan is cash out - taking additional cash to pay off Xnd lien against another property. See page XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXXXX&XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8804954 | N/A | N/A | |||
| XXXX | XXXX | 10259242 | Closed | 2026-04-21 01:22 | 2026-04-24 05:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The loan file does not include a complete and executed Settlement Statement (HUD-X or Closing Disclosure). This document is required to confirm final closing costs, borrower/seller disbursements, and compliance with closing terms. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8784287 | N/A | N/A | |||
| XXXX | XXXX | 10259252 | Closed | 2026-04-21 02:06 | 2026-04-22 15:01 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Acknowledged NJ PPP. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Acknowledged NJ PPP. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8784746 | Investor Post-Close | No | |||||
| XXXX | XXXX | 10259263 | Closed | 2026-04-22 15:11 | 2026-05-04 10:27 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Articles provided for business. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded By Laws for XXX XXXXX XXXXXXXXXX XX. - Seller-XX/XX/XXXX Open-Please provide Articles of Incorporation or comparable documents for XXX XXXXX XXXXXXXXXX XX showing our borrower is the owner of this company that the property is currently vested in. Also assets are in this business name. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded By Laws for XXX XXXXX XXXXXXXXXX XX. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Articles provided for business. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8827888 | N/A | N/A | |||
| XXXX | XXXX | 10259265 | Closed | 2026-04-22 04:40 | 2026-05-15 15:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Funding Statement in file, on pg XXX, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loans pertaining to XXX XXXX State will have only funding statements instead of HUD. Please clear this exception. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Closing Doc (HUD/ ALTA) is Missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Loans pertaining to XXX XXXX State will have only funding statements instead of HUD. Please clear this exception. - Seller-XX/XX/XXXX |
Resolved-Funding Statement in file, on pg XXX, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8813458 | N/A | N/A | ||||
| XXXX | XXXX | 10259265 | Closed | 2026-04-22 04:34 | 2026-04-24 04:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Provided credit report date is XX/XX/XXXX which is past closing date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Credit Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8813387 | N/A | N/A | |||
| XXXX | XXXX | 10259190 | Closed | 2026-04-17 02:08 | 2026-05-01 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lesser of Lease Agreement, Appraisal confirms Tenant Occupied $XXX month. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please read the end of the lease, it rolls to month to month once the lease expires which is the case here and supported with the appraisal that shows occupancy. - Seller-XX/XX/XXXX Open-Available lease agreement in file has expired on XX-XX-XXXX for the property at XXX XXXXXXX XXXXXX, XXXXXXXXXX, XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please read the end of the lease, it rolls to month to month once the lease expires which is the case here and supported with the appraisal that shows occupancy. - Seller-XX/XX/XXXX |
Resolved-Lesser of Lease Agreement, Appraisal confirms Tenant Occupied $XXX month. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8723565 | N/A | N/A | ||||
| XXXX | XXXX | 10259209 | Closed | 2026-04-20 06:39 | 2026-04-23 12:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Settlement Statement received. System updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The Final HUD-X or Final Settlement Statement for the subject transaction is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Settlement Statement received. System updated. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8764635 | N/A | N/A | |||
| XXXX | XXXX | 10267155 | Closed | 2026-04-23 05:30 | 2026-05-07 02:54 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Requested Operating agreement provided for Borrowers Experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded OA for XXXX XXXXXXXXXX to support borrower experience - Seller-XX/XX/XXXX Open-Per the matrix dated X/XX/XXXX, experienced Yes” is defined as borrower/sponsor property ownership within the past XX months: X. X properties, or X. X property with a minimum of XX- months ownership term. The subject property was purchased X/X/XX. The property profile submitted for proof of experience located at XXXX X XXXXXXXX XXX is owned by XXXX XXXXXX XXXXXXXXXX LLC. Missing operating agreement for XXXX XXXXXX XXXXXXXXXX LLC to prove borrower's experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded OA for XXXX XXXXXXXXXX to support borrower experience - Seller-XX/XX/XXXX |
Resolved-Requested Operating agreement provided for Borrowers Experience, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXXXXXX XXXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8837741 | N/A | N/A | |||
| XXXX | XXXX | 10267121 | Closed | 2026-05-05 22:19 | 2026-05-29 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested BPA document, Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. The loan file is missing the fully executed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested BPA document, Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9056424 | N/A | N/A | |||
| XXXX | XXXX | 10267121 | Closed | 2026-05-06 02:58 | 2026-05-14 01:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Requested title document provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing The loan file is missing the title policy with sufficient title coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested title document provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9058173 | N/A | N/A | |||
| XXXX | XXXX | 10285705 | Closed | 2026-05-18 06:55 | 2026-05-21 19:07 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Originator clarified premium amount used for hazard insurance in DSCR calculation. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Final paid receipt uploaded to tie out the difference, Final polciy premium is $XXXX - Seller-XX/XX/XXXX Open-HOI insurance premium of $X,XXX.XX on the settlement statement (page X) does not match the HOI premium amount of $X,XXX.XX on the declaration page (page XXX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Final paid receipt uploaded to tie out the difference, Final polciy premium is $XXXX - Seller-XX/XX/XXXX |
Resolved-Originator clarified premium amount used for hazard insurance in DSCR calculation. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9247925 | N/A | N/A | |||
| XXXX | XXXX | 10285721 | Closed | 2026-05-04 00:09 | 2026-05-17 22:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax is calculated using the tax value from the tax cert for the assessed value - (XXX,XXX*X.XXXX%) + $XX.XX(XXXXXXXXXXX XXXXXXXXXX) + $XXX.XX (XXXXXXXXX XXXXX XXXXXXXX) = $X,XXX. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Per tape data required taxes should be $XXX.XX*XX= $X,XXX.XX, Evidence of Property Tax document is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax is calculated using the tax value from the tax cert for the assessed value - (XXX,XXX*X.XXXX%) + $XX.XX(XXXXXXXXXXX XXXXXXXXXX) + $XXX.XX (XXXXXXXXX XXXXX XXXXXXXX) = $X,XXX. - Seller-XX/XX/XXXX |
Resolved-Requested tax cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXX XXXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9015769 | N/A | N/A | |||
| XXXX | XXXX | 10285721 | Closed | 2026-05-04 14:29 | 2026-05-13 09:33 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN from IRS provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN provided by IRS uploaded. - Seller-XX/XX/XXXX Open-Please provide Business Entity EIN documentation from IRS. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN provided by IRS uploaded. - Seller-XX/XX/XXXX |
Resolved-EIN from IRS provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9031112 | N/A | N/A | |||
| XXXX | XXXX | 10285721 | Closed | 2026-05-04 15:01 | 2026-05-13 09:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Ofac check doc uploaded. - Seller-XX/XX/XXXX Open-Missing OFAC check on XXXX XXX XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Ofac check doc uploaded. - Seller-XX/XX/XXXX |
XXXX_XXXXX_XXXXXX.XXX | OFAC check for business provided. | XXXX | Investment | Refinance | Cash Out - Other | 9031727 | N/A | N/A | |||
| XXXX | XXXX | 10285748 | Closed | 2026-05-08 10:59 | 2026-05-20 09:32 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-Field review provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional valuation uploaded. - Seller-XX/XX/XXXX Open-Loan file does not contain additional valuation The loan file does not contain the required field review for a Cash Out Refinance with an LTV greater than or equal to XX%. Please provide the field review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional valuation uploaded. - Seller-XX/XX/XXXX |
Resolved-Field review provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XX XXXXX XXXXXXX XXXXXX .XXX | XXXX | Investment | Refinance | Cash Out - Other | 9109722 | N/A | N/A | |||
| XXXX | XXXX | 10285748 | Closed | 2026-05-06 02:11 | 2026-05-08 09:47 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9057962 | Originator Post-Close | No | |||||
| XXXX | XXXX | 10285760 | Closed | 2026-05-05 13:26 | 2026-05-15 16:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Note uploaded. - Seller-XX/XX/XXXX Open-The Note is Incomplete Pages X and X of the X page Note are missing from the loan file. Please provide the missing pages. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Note uploaded. - Seller-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9050928 | N/A | N/A | |||
| XXXX | XXXX | 10285760 | Closed | 2026-05-05 14:07 | 2026-05-15 16:30 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lower of Third party market rent $X,XXX used for DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed with the calculated rent of $XXXX, agreed with the change in DSCR change as a data discrepancy - Seller-XX/XX/XXXX Open-The rental amount used for calculation is $XXXX. Audit found a rental amount of $XXXX causing a discrepancy of the DSCR at origination and audit. Please provide documentation to support the amount of $XXXX being used for qualification. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed with the calculated rent of $XXXX, agreed with the change in DSCR change as a data discrepancy - Seller-XX/XX/XXXX |
Resolved-Lower of Third party market rent $X,XXX used for DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9051797 | N/A | N/A | ||||
| XXXX | XXXX | 10285779 | Closed | 2026-05-08 13:25 | 2026-05-12 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report dated XX/XX/XXXX uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Credit report received is from XXXX; Missing credit report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report dated XX/XX/XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9112663 | N/A | N/A | |||
| XXXX | XXXX | 10285789 | Closed | 2026-05-05 15:16 | 2026-05-15 10:23 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Additional Assets verified for funds required to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statement uploaded for additional liquidity. - Seller-XX/XX/XXXX Open-Page XXX Settlement Statement shows Borrower funds required to close $XX,XXX.XX which includes X months Debt Service/Reserves escrowed at closing. Page XX Keybank xxXXXX balance $X,XXX.XX. Missing documentation to verify sufficient for funds required to close and additional X months post close reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Statement uploaded for additional liquidity. - Seller-XX/XX/XXXX |
Resolved-Additional Assets verified for funds required to close and reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX{XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX} (X).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9053257 | N/A | N/A | |||
| XXXX | XXXX | 10285807 | Closed | 2026-05-07 01:04 | 2026-05-11 06:36 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. Note signed by XXX, Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Refinance | Cash Out - Other | 9076917 | Originator Post-Close | No |