Exhibit 99.01 Schedule 4
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| XXXXX | 4000002781 | XXXXX | Non QM | Yes | No | $16,200.00 | $18,412.23 | 5.312% | $2,608.95 | $2,608.95 | 5.000% | No | No | Self-Employed | US Citizen | $4,132.94 | 1 | $3,149.40 | $768.00 | $262.45 | $64.00 | 41.738% | 41.738% | 41.738% | 01/20/2022 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $16,200.00 | 3.990% | $0.00 | None | N/A | No | 5.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.000% | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000003984 | XXXXX | N/A | No | No | $1,331.85 | $1,331.85 | 6.625% | No | No | US Citizen | 1 | $2,036.88 | $813.12 | $169.74 | $67.76 | 0.000% | 0.000% | 0.000% | 05/05/2022 | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.61 | 0.38 | XXXXX | XXXXX | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000003947 | XXXXX | Non QM | Yes | No | $9,005.81 | $2,874.88 | 7.911% | $2,186.08 | $2,186.08 | 7.875% | No | No | Self-Employed | US Citizen | $48,064.69 | 1 | $1,131.00 | $1,659.96 | $94.25 | $138.33 | 6.624% | 6.624% | 6.624% | 02/10/2022 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $9,005.81 | 5.350% | $20,100.00 | 2.3 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.000% | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000006749 | XXXXX | Non QM | Yes | No | $5,545.00 | $7,115.35 | 7.701% | $1,519.49 | $1,519.49 | 7.375% | No | No | Self-Employed | US Citizen | $15,954.99 | 1 | $953.76 | $1,821.60 | $79.48 | $151.80 | 15.826% | 15.826% | 15.826% | 08/19/2022 | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $5,545.00 | 5.200% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000103912 | XXXXX | N/A | No | No | $66,001.00 | $22,855.94 | 8.763% | $6,261.67 | $6,261.67 | 8.500% | No | No | Self-Employed | US Citizen | $35,874.09 | 3 | $11,769.60 | $3,587.04 | $980.80 | $298.92 | 21.484% | 21.484% | 24.570% | 09/18/2025 | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $66,001.00 | 6.630% | $0.00 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.01 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000105124 | XXXXX | Non QM | Yes | No | $995.00 | $2,074.78 | 9.433% | $1,873.52 | $1,873.52 | 9.375% | No | No | Self-Employed | US Citizen | $19,941.55 | 1 | $1,889.04 | $2,315.04 | $157.42 | $192.92 | 14.371% | 14.371% | 14.371% | 01/12/2026 | 708 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $995.00 | 6.190% | $4,500.00 | 1.2 | None | No | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | XXXXX | XXXXX | 15.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112136 | XXXXX | N/A | No | No | $12,440.36 | $12,440.36 | 6.500% | No | No | US Citizen | 1 | $23,357.52 | $2,835.72 | $1,946.46 | $236.31 | 0.000% | 0.000% | 0.000% | 12/15/2025 | 694 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 49.65 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112747 | XXXXX | Non QM | Yes | No | $1,640.00 | $12,792.10 | 6.269% | $12,714.56 | $12,714.56 | 6.250% | No | No | Non-Employment Income | US Citizen | $139,812.32 | 1 | $10,179.84 | $11,348.04 | $848.32 | $945.67 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 772 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $15,000.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 938.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113737 | XXXXX | Non QM | Yes | No | $1,390.00 | $13,268.60 | 7.393% | $15,747.39 | $15,747.39 | 7.375% | No | No | Self-Employed | US Citizen | $21,577.12 | 1 | $35,675.16 | $1,938.96 | $2,972.93 | $161.58 | 51.326% | 51.326% | 51.326% | 11/20/2025 | 788 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $1,390.00 | 6.140% | $0.00 | 1.8 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 13.00 | No | XXXXX | XXXXX | 49.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.41 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112898 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,969.70 | 6.303% | $4,088.36 | $4,088.36 | 6.250% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $9,661.88 | 1 | $10,689.84 | $1,941.96 | $890.82 | $161.83 | 47.970% | 47.970% | 47.970% | 01/30/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $2,300.00 | 1.6 | None | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 37.540% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 25.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000109154 | XXXXX | N/A | No | No | $1,100.54 | $1,100.54 | 7.999% | No | No | US Citizen | 1 | $627.72 | $1,200.96 | $52.31 | $100.08 | 0.000% | 0.000% | 0.000% | 10/01/2025 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.48 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000113547 | XXXXX | Non QM | Yes | No | $1,740.00 | $8,985.51 | 6.155% | $8,968.33 | $8,968.33 | 6.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,081.16 | 1 | $30,750.00 | $2,436.00 | $2,562.50 | $203.00 | 47.675% | 47.675% | 47.675% | 01/27/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.140% | $5,000.00 | 5.0 | None | No | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 59.230% | No | 1 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 38.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114102 | XXXXX | Non QM | Yes | No | $1,740.00 | $4,380.70 | 6.379% | $8,484.63 | $8,484.63 | 6.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $14,234.03 | 1 | $23,261.04 | $5,160.00 | $1,938.42 | $430.00 | 54.150% | 54.150% | 54.150% | 01/27/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.140% | $14,571.76 | 1.8 | None | Yes | No | 6.375% | 1 | 0 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 34.550% | No | 3 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 21.99 | No | No | $14,378.25 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000114145 | XXXXX | Non QM | Yes | No | $3,475.00 | $11,484.39 | 6.305% | $9,038.73 | $9,038.73 | 6.250% | No | No | Employed | Permanent Resident Alien | $17,411.80 | 1 | $23,392.56 | $6,357.96 | $1,949.38 | $529.83 | 41.450% | 41.450% | 41.450% | 01/16/2026 | 805 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,475.00 | 6.140% | $6,208.04 | 1.0 | None | Yes | No | 6.250% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 25.900% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116291 | XXXXX | Non QM | Yes | No | $47,101.25 | $55,497.99 | 6.978% | $13,430.05 | $14,005.96 | 6.908% | No | No | Self-Employed | US Citizen | $19,041.85 | 1 | $33,750.00 | $5,890.56 | $2,812.50 | $490.88 | 49.966% | 55.248% | 49.966% | 02/02/2026 | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $47,101.25 | 6.150% | $10,000.00 | 1.0 | None | N/A | No | 6.908% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 54.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000115861 | XXXXX | N/A | No | No | $1,551.99 | $1,551.99 | 6.875% | No | No | US Citizen | 1 | $3,800.04 | $506.04 | $316.67 | $42.17 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 752 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 37.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112102 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $9,035.00 | $9,882.08 | 6.745% | $1,622.06 | $1,622.06 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,913.43 | 1 | $8,902.08 | $1,292.04 | $741.84 | $107.67 | 40.109% | 40.109% | 40.109% | 12/01/2025 | 807 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $9,035.00 | 6.250% | $5,000.00 | 2.3 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 3.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 42.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112064 | XXXXX | N/A | No | No | $2,260.14 | $2,260.14 | 6.999% | No | No | US Citizen | 1 | $2,068.92 | $1,952.28 | $172.41 | $162.69 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 710 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.51 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112081 | XXXXX | N/A | No | No | $1,481.81 | $1,481.81 | 6.999% | No | No | US Citizen | 3 | $4,052.16 | $2,229.96 | $337.68 | $185.83 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.61 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.53 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112096 | XXXXX | N/A | No | No | $1,095.70 | $1,095.70 | 8.500% | No | No | Non-Permanent Resident Alien | 1 | $675.48 | $1,044.00 | $56.29 | $87.00 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 704 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 108.35 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000112178 | XXXXX | N/A | No | No | $2,354.43 | $2,354.43 | 6.875% | No | No | Non-Permanent Resident Alien | 1 | $11,214.36 | $2,514.00 | $934.53 | $209.50 | 0.000% | 0.000% | 0.000% | 11/25/2025 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 0.890% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.51 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000112434 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,587.61 | 6.658% | $1,750.83 | $1,750.83 | 6.500% | No | No | Employed | US Citizen | $8,229.45 | 1 | $12,679.80 | $2,645.16 | $1,056.65 | $220.43 | 31.894% | 31.894% | 31.894% | 01/21/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.060% | $6,000.00 | 1.0 | None | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 70.200% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119247 | XXXXX | Non QM | Yes | No | $14,390.00 | $22,292.54 | 6.927% | $16,423.22 | $16,423.22 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $28,599.11 | 1 | $37,980.00 | $2,082.72 | $3,165.00 | $173.56 | 45.510% | 45.510% | 45.510% | 02/11/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $14,390.00 | 5.980% | $0.00 | 2.5 | None | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.940% | No | 25 | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.98 | No | No | $0.00 | $24,946.34 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122515 | XXXXX | N/A | No | No | $4,880.19 | $4,880.19 | 5.875% | No | No | 0 | US Citizen | 1 | $12,221.76 | $11,871.00 | $1,018.48 | $989.25 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 792 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.54 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 297.14 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118284 | XXXXX | N/A | No | No | $1,748.05 | $1,748.05 | 6.625% | No | No | US Citizen | 1 | $9,930.96 | $1,085.04 | $827.58 | $90.42 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000111975 | XXXXX | N/A | No | No | $29,565.00 | $45,253.00 | 7.871% | $19,343.13 | $19,343.13 | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | $112,053.92 | 1 | $21,534.36 | $9,727.80 | $1,794.53 | $810.65 | 49.127% | 49.127% | 49.127% | 12/10/2025 | 770 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2025 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $29,565.00 | 6.270% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 75.39 | Broker | No | No | $220,261.54 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114138 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $15,525.00 | $17,137.67 | 6.771% | $2,483.00 | $2,483.00 | 6.375% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $5,657.19 | 1 | $11,362.44 | $1,638.24 | $946.87 | $136.52 | 45.079% | 45.079% | 45.079% | 01/14/2026 | 732 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $15,525.00 | 6.060% | $0.00 | 1.4 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 11.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114037 | XXXXX | N/A | No | No | $953.51 | $953.51 | 8.375% | No | No | Foreign National | 1 | $293.88 | $1,317.96 | $24.49 | $109.83 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 4.6 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | No | 18.58 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114052 | XXXXX | N/A | No | No | $1,454.10 | $1,454.10 | 7.375% | No | No | US Citizen | 1 | $2,345.76 | $806.52 | $195.48 | $67.21 | 0.000% | 0.000% | 0.000% | 10/30/2025 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.1 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114035 | XXXXX | N/A | No | No | $4,457.82 | $4,457.82 | 8.375% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 3 | $12,141.00 | $3,338.04 | $1,011.75 | $278.17 | 0.000% | 0.000% | 0.000% | 12/09/2025 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXXX | XXXXX | 18.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 3.08 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114068 | XXXXX | N/A | No | No | $994.78 | $994.78 | 8.500% | No | No | US Citizen | 2 | $2,085.84 | $2,325.96 | $173.82 | $193.83 | 0.000% | 0.000% | 0.000% | 11/03/2025 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.51 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122514 | XXXXX | N/A | No | No | $3,786.08 | $3,786.08 | 7.250% | No | No | US Citizen | 1 | $3,762.96 | $1,467.96 | $313.58 | $122.33 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.52 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.79 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123138 | XXXXX | N/A | No | No | $2,298.05 | $2,298.05 | 6.625% | No | No | 0 | Non-Permanent Resident Alien | 1 | $7,342.32 | $3,002.16 | $611.86 | $250.18 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 796 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.03 | 0.49 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.04 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122094 | XXXXX | N/A | No | No | $2,524.18 | $2,524.18 | 6.375% | No | No | US Citizen | 4 | $10,747.20 | $2,694.00 | $895.60 | $224.50 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | XXXXX | XXXXX | 5.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121497 | XXXXX | Non QM | Yes | No | $39,345.00 | $48,024.56 | 7.424% | $16,781.54 | $16,781.54 | 7.250% | No | No | Self-Employed | US Citizen | $99,872.96 | 1 | $41,000.04 | $3,402.00 | $3,416.67 | $283.50 | 23.314% | 23.314% | 23.314% | 02/10/2026 | 743 | No | Yes | 24 | Business | 100.000% | 80.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $39,345.00 | 6.020% | $0.00 | 1.2 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 6.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121845 | XXXXX | N/A | No | No | $762.49 | $762.49 | 7.500% | No | No | US Citizen | 2 | $2,572.80 | $1,776.96 | $214.40 | $148.08 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.51 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 207.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120873 | XXXXX | Non QM | Yes | No | $18,085.50 | $20,313.80 | 7.257% | $3,448.88 | $3,448.88 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,322.12 | 1 | $7,984.80 | $1,209.24 | $665.40 | $100.77 | 35.528% | 35.528% | 35.528% | 02/23/2026 | 742 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 4 | 0 | 0 | No | XXXXX | $18,085.50 | 5.980% | $0.00 | 2.4 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122066 | XXXXX | Non QM | Yes | No | $2,565.00 | $4,285.10 | 6.563% | $3,963.07 | $3,963.07 | 6.500% | No | No | Employed | US Citizen | $7,761.36 | 1 | $10,857.00 | $1,149.96 | $904.75 | $95.83 | 39.890% | 39.890% | 39.890% | 02/17/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.120% | $10,000.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.970% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123288 | XXXXX | N/A | No | No | $2,769.32 | $2,769.32 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $1,101.72 | $1,506.96 | $91.81 | $125.58 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 747 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.06 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123402 | XXXXX | Non QM | Yes | No | $20,409.57 | $16,376.14 | 6.478% | $2,713.19 | $2,713.19 | 6.125% | No | No | Self-Employed | US Citizen | $13,895.64 | 1 | $13,134.96 | $2,034.96 | $1,094.58 | $169.58 | 30.134% | 30.134% | 30.134% | 02/11/2026 | 766 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $20,409.57 | 6.220% | $20,000.00 | 2.5 | None | N/A | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 2.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122524 | XXXXX | N/A | No | No | $2,185.93 | $2,185.93 | 6.875% | No | No | US Citizen | 1 | $6,782.88 | $5,316.96 | $565.24 | $443.08 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 697 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.65 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122205 | XXXXX | N/A | No | No | $4,425.62 | $4,425.62 | 7.250% | No | No | US Citizen | 1 | $3,944.64 | $6,393.00 | $328.72 | $532.75 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.27 | XXXXX | XXXXX | 71.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123109 | XXXXX | N/A | No | No | $3,703.75 | $3,703.75 | 7.375% | No | No | US Citizen | 2 | $1,648.92 | $1,112.04 | $137.41 | $92.67 | 0.000% | 0.000% | 0.000% | 12/19/2025 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122332 | XXXXX | N/A | No | No | $1,608.19 | $1,608.19 | 7.500% | No | No | US Citizen | US Citizen | 1 | $5,487.36 | $2,180.04 | $457.28 | $181.67 | 0.000% | 0.000% | 0.000% | 01/21/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 60.440% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122847 | XXXXX | N/A | No | No | $1,650.53 | $1,650.53 | 6.875% | No | No | US Citizen | US Citizen | 1 | $1,240.20 | $1,509.00 | $103.35 | $125.75 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | 53.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123124 | XXXXX | N/A | No | No | $13,643.53 | $13,643.53 | 7.250% | No | No | US Citizen | 2 | $10,756.92 | $3,258.00 | $896.41 | $271.50 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.56 | 1.78 | XXXXX | XXXXX | 70.610% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.83 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119844 | XXXXX | Non QM | Yes | No | $4,079.37 | $4,416.66 | 6.644% | $1,857.65 | $1,857.65 | 6.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,893.68 | 1 | $6,177.36 | $648.00 | $514.78 | $54.00 | 42.490% | 42.490% | 42.490% | 01/19/2026 | 704 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Other - 2026 [Borrower - | Primary Income - Pension]; Account Statements - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,079.37 | 5.980% | $0.00 | 1.6 | None | No | No | 6.500% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 51.120% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 36.07 | No | No | $0.00 | $5,250.03 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122955 | XXXXX | Non QM | Yes | No | $20,055.00 | $21,547.42 | 6.437% | $21,835.45 | $21,835.45 | 6.375% | No | No | Self-Employed | US Citizen | $73,366.21 | 1 | $69,999.96 | $5,455.32 | $5,833.33 | $454.61 | 37.603% | 37.603% | 37.603% | 02/26/2026 | 806 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $20,055.00 | 6.220% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 26.00 | No | XXXXX | XXXXX | 19.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.78 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122523 | XXXXX | N/A | No | No | $2,256.09 | $2,256.09 | 7.625% | No | No | US Citizen | US Citizen | 2 | $5,151.84 | $4,629.96 | $429.32 | $385.83 | 0.000% | 0.000% | 0.000% | 738 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.56 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.15 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124425 | XXXXX | N/A | No | No | $3,416.03 | $3,416.03 | 6.875% | No | No | US Citizen | 1 | $14,169.00 | $3,405.96 | $1,180.75 | $283.83 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 20.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.67 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123355 | XXXXX | Non QM | Yes | No | $21,207.40 | $24,799.50 | 6.395% | $3,237.57 | $3,237.57 | 6.000% | No | No | Self-Employed | US Citizen | $19,974.02 | 1 | $17,593.32 | $3,161.04 | $1,466.11 | $263.42 | 23.454% | 23.454% | 23.454% | 03/11/2026 | 687 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $21,207.40 | 6.220% | $40,500.00 | 1.0 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122020 | XXXXX | N/A | No | No | $831.60 | $831.60 | 8.125% | No | No | Permanent Resident Alien | 1 | $4,750.32 | $1,447.44 | $395.86 | $120.62 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXXX | XXXXX | 36.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121257 | XXXXX | N/A | No | No | $1,640.00 | $4,329.26 | 7.175% | $2,779.09 | $2,779.09 | 7.125% | No | No | Not Employed | Employed | Employed | 9.01 | US Citizen | US Citizen | $47,156.38 | 2 | $6,506.28 | $1,872.00 | $542.19 | $156.00 | 22.411% | 22.411% | 22.411% | 03/12/2026 | 798 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $3,000.00 | None | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | 26 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 189.63 | No | No | $0.00 | $60,777.06 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118535 | XXXXX | N/A | No | No | $1,104.16 | $1,104.16 | 7.625% | No | No | US Citizen | 1 | $3,853.68 | $1,290.00 | $321.14 | $107.50 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 664 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121986 | XXXXX | Non QM | Yes | No | $9,976.60 | $7,135.80 | 6.960% | $4,729.89 | $4,729.89 | 6.875% | No | No | Non-Employment Income | US Citizen | $7,969.25 | 1 | $4,642.32 | $3,660.96 | $386.86 | $305.08 | 41.797% | 41.797% | 41.797% | 02/05/2026 | 716 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $9,976.60 | 6.120% | $11,475.00 | 4.1 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 138.5 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124781 | XXXXX | N/A | No | No | $1,333.57 | $1,333.57 | 6.875% | No | No | US Citizen | 1 | $3,660.00 | $2,775.36 | $305.00 | $231.28 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.78 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000596 | XXXXX | Non QM | Yes | No | $1,595.00 | $16,035.21 | 6.900% | $15,766.29 | $15,766.29 | 6.875% | No | No | Non-Employment Income | US Citizen | $22,951.36 | 1 | $37,500.00 | $9,244.68 | $3,125.00 | $770.39 | 54.762% | 54.762% | 54.762% | 03/06/2026 | 778 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.430% | $0.00 | 4.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 218.33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123291 | XXXXX | Non QM | Yes | No | $2,442.56 | $5,294.56 | 6.962% | $2,575.16 | $2,575.16 | 6.875% | No | No | Self-Employed | Not Employed | Self-Employed | 14.76 | US Citizen | US Citizen | US Citizen | $11,328.93 | 1 | $15,751.32 | $1,580.04 | $1,312.61 | $131.67 | 42.953% | 42.953% | 42.953% | 03/09/2026 | 733 | 704 | 733 | 742 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,442.56 | 6.020% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.75 | No | No | $13,239.35 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124054 | XXXXX | N/A | No | No | $4,075.58 | $4,075.58 | 6.625% | No | No | US Citizen | 1 | $17,602.56 | $14,232.96 | $1,466.88 | $1,186.08 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 727 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.06 | XXXXX | XXXXX | 49.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.31 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | VE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124092 | XXXXX | Non QM | Yes | No | $12,695.00 | $16,254.82 | 7.119% | $3,744.49 | $3,744.49 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $6,766.13 | 2 | $5,903.76 | $6,182.76 | $491.98 | $515.23 | 41.645% | 41.645% | 41.645% | 01/26/2026 | 692 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $12,695.00 | 6.430% | $418.85 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 37.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 6.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125341 | XXXXX | Non QM | Yes | No | $25,877.32 | $35,537.59 | 7.361% | $13,697.67 | $17,919.40 | 7.250% | No | No | Self-Employed | US Citizen | $21,742.29 | 1 | $42,734.16 | $13,515.24 | $3,561.18 | $1,126.27 | 54.979% | 46.237% | 54.979% | 02/23/2026 | 740 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $25,877.32 | 6.100% | $50,000.00 | 2.6 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | 28.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.02 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125371 | XXXXX | N/A | No | No | $1,622.06 | $1,622.06 | 6.375% | No | No | US Citizen | 1 | $10,250.16 | $1,277.04 | $854.18 | $106.42 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 32.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.72 | Yes | 16.375% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124411 | XXXXX | N/A | No | No | $1,061.69 | $1,061.69 | 7.625% | No | No | US Citizen | 1 | $2,986.44 | $2,738.04 | $248.87 | $228.17 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 704 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124391 | XXXXX | N/A | No | No | $889.31 | $889.31 | 7.125% | No | No | US Citizen | 4 | $2,980.92 | $2,978.04 | $248.41 | $248.17 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.44 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 66.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122496 | XXXXX | N/A | No | No | $2,817.37 | $2,817.37 | 6.625% | No | No | US Citizen | 1 | $10,352.04 | $8,676.12 | $862.67 | $723.01 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 701 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.1 | 0.48 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123559 | XXXXX | N/A | No | No | $3,268.93 | $3,268.93 | 6.750% | No | No | US Citizen | 1 | $12,980.04 | $534.00 | $1,081.67 | $44.50 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 30.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122582 | XXXXX | N/A | No | No | $2,408.40 | $2,408.40 | 7.000% | No | No | US Citizen | Permanent Resident Alien | 1 | $7,550.16 | $1,953.48 | $629.18 | $162.79 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 894.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000109204 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $23,315.00 | $11,882.50 | 7.160% | $4,816.30 | $4,816.30 | 6.999% | No | No | Self-Employed | US Citizen | $33,218.73 | 1 | $10,404.60 | $8,549.04 | $867.05 | $712.42 | 19.232% | 19.232% | 19.232% | 09/22/2025 | 731 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2025 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXXX | $23,315.00 | 6.240% | $52,575.57 | 3.1 | None | No | No | 6.999% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 2.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124787 | XXXXX | N/A | No | No | $745.34 | $745.34 | 5.875% | No | No | US Citizen | US Citizen | 1 | $2,427.12 | $1,241.04 | $202.26 | $103.42 | 0.000% | 0.000% | 0.000% | 785 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.34 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124451 | XXXXX | N/A | No | No | $3,705.08 | $3,705.08 | 6.875% | No | No | US Citizen | 1 | $3,652.44 | $1,175.04 | $304.37 | $97.92 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | 46.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119594 | XXXXX | N/A | No | No | $6,313.91 | $6,313.91 | 7.500% | No | No | US Citizen | 1 | $20,070.60 | $2,006.04 | $1,672.55 | $167.17 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000114040 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $14,092.50 | $15,449.21 | 8.828% | $2,454.92 | $2,454.92 | 8.375% | No | No | Not Employed | Self-Employed | Foreign National | Honduras | $384,235.95 | 1 | $10,039.80 | $4,410.96 | $836.65 | $367.58 | 0.981% | 0.981% | 1.128% | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $14,092.50 | 6.170% | $0.00 | 1.3 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Passport | No | 32.62 | No | $388,044.10 | $0.00 | No | No | No | No | 1 | 240 | AH | 12/31/2026 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125817 | XXXXX | N/A | No | No | $1,264.77 | $1,264.77 | 6.500% | No | No | US Citizen | 1 | $5,547.12 | $750.12 | $462.26 | $62.51 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 69.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 24.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123411 | XXXXX | N/A | No | No | $2,854.88 | $2,854.88 | 7.125% | No | No | US Citizen | 1 | $6,878.52 | $1,773.96 | $573.21 | $147.83 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 765 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | XXXXX | XXXXX | 17.390% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123251 | XXXXX | N/A | No | No | $14,599.20 | $6,090.20 | 7.330% | $3,206.23 | $3,206.23 | 7.250% | No | No | Self-Employed | US Citizen | $30,774.19 | 1 | $4,539.60 | $1,530.96 | $378.30 | $127.58 | 22.016% | 22.016% | 22.016% | 03/02/2026 | 790 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $14,599.20 | 6.220% | $0.00 | 4.2 | None | No | No | 7.250% | 1 | 2 | 0 | 2 | 1 | 2.33 | No | XXXXX | XXXXX | 86.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 97.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125268 | XXXXX | N/A | No | No | $2,720.08 | $2,720.08 | 6.875% | No | No | US Citizen | 1 | $3,867.60 | $0.00 | $322.30 | $0.00 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 9.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122855 | XXXXX | Non QM | Yes | No | $5,676.39 | $7,167.65 | 6.688% | $2,062.12 | $2,062.12 | 6.500% | No | No | Non-Employment Income | US Citizen | $9,494.96 | 1 | $3,393.00 | $1,186.32 | $282.75 | $98.86 | 20.771% | 20.771% | 20.771% | 03/17/2026 | 787 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Yes | XXXXX | $5,676.39 | 6.220% | $5,000.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1038.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123241 | XXXXX | N/A | No | No | $885.94 | $885.94 | 7.125% | No | No | US Citizen | 1 | $899.04 | $1,429.08 | $74.92 | $119.09 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 239.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126007 | XXXXX | N/A | No | No | $948.73 | $948.73 | 6.500% | No | No | US Citizen | 1 | $2,150.52 | $966.96 | $179.21 | $80.58 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.63 | XXXXX | XXXXX | 72.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120960 | XXXXX | Non QM | Yes | No | $2,169.88 | $6,407.12 | 7.201% | $5,879.54 | $6,424.97 | 7.639% | No | No | Non-Employment Income | US Citizen | $2,773.17 | 1 | $0.00 | $905.04 | $0.00 | $75.42 | 0.000% | 0.000% | 0.000% | 12/29/2025 | 823 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,169.88 | 5.930% | $0.00 | None | No | No | 7.639% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 146.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122137 | XXXXX | Non QM | Yes | No | $0.00 | 6.350% | $5,846.28 | $5,846.28 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $13,739.10 | 1 | $6,552.36 | $3,869.04 | $546.03 | $322.42 | 43.005% | 43.005% | 43.005% | 03/16/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.120% | $300,000.00 | 1.6 | None | No | No | 6.375% | 3 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 17.310% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.24 | Yes | No | $0.00 | $11,992.96 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121465 | XXXXX | Non QM | Yes | No | $1,640.00 | $11,706.76 | 6.635% | $18,729.10 | $18,729.10 | 6.625% | No | No | Self-Employed | US Citizen | $52,723.55 | 1 | $22,720.56 | $16,583.64 | $1,893.38 | $1,381.97 | 42.692% | 42.692% | 42.692% | 03/02/2026 | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $324,000.00 | 1.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 27.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 04/15/2027 | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123312 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,255.97 | 6.551% | $4,740.51 | $4,740.51 | 6.500% | No | No | Non-Employment Income | US Citizen | $16,734.02 | 1 | $19,812.48 | $2,324.40 | $1,651.04 | $193.70 | 38.289% | 38.289% | 38.289% | 03/19/2026 | 776 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $150.00 | 5.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 541.26 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123987 | XXXXX | N/A | No | No | $2,594.39 | $2,594.39 | 6.750% | No | No | US Citizen | 2 | $4,921.56 | $1,660.56 | $410.13 | $138.38 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125271 | XXXXX | N/A | No | No | $3,792.41 | $3,792.41 | 6.500% | No | No | US Citizen | 2 | $10,170.96 | $2,183.04 | $847.58 | $181.92 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 50.290% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123600 | XXXXX | N/A | No | No | $3,506.15 | $3,506.15 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | $4,991.64 | $6,554.04 | $415.97 | $546.17 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 796 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.02 | 0.49 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.31 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | VE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125207 | XXXXX | N/A | No | No | $2,222.30 | $2,222.30 | 8.234% | No | No | US Citizen | 1 | $4,828.08 | $875.04 | $402.34 | $72.92 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 8.234% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | XXXXX | 3.900% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120557 | XXXXX | Non QM | Yes | No | $2,465.00 | $9,228.01 | 6.397% | $8,525.81 | $8,525.81 | 6.375% | No | No | Employed | Permanent Resident Alien | $25,754.16 | 1 | $27,418.20 | $5,007.96 | $2,284.85 | $417.33 | 36.389% | 36.389% | 36.389% | 03/04/2026 | 803 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; Transcripts (1040) - No Results Returned -
2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.020% | $0.00 | 2.9 | None | Yes | No | 6.375% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | 60 | XXXXX | XXXXX | No | 8 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | No | 104.43 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124955 | XXXXX | N/A | No | No | $13,964.84 | $13,964.84 | 6.875% | No | No | US Citizen | 1 | $48,250.20 | $8,064.12 | $4,020.85 | $672.01 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.2 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122647 | XXXXX | Non QM | Yes | No | $2,465.00 | $15,191.06 | 6.412% | $12,009.50 | $12,009.50 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $32,565.09 | 1 | $30,917.76 | $2,633.04 | $2,576.48 | $219.42 | 38.012% | 38.012% | 38.012% | 03/13/2026 | 796 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.120% | $10,000.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 226.76 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124229 | XXXXX | Non QM | Yes | No | $0.00 | $7,049.52 | 6.899% | $7,539.58 | $10,104.43 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,787.63 | 1 | $10,280.40 | $1,419.96 | $856.70 | $118.33 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 810 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 203.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122669 | XXXXX | N/A | No | No | $1,640.00 | $4,027.90 | 7.970% | $2,413.03 | $2,413.03 | 7.875% | No | No | Self-Employed | US Citizen | $57,401.80 | 1 | $1,241.04 | $1,335.96 | $103.42 | $111.33 | 31.453% | 31.453% | 31.453% | 01/27/2026 | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 3.6 | None | No | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.13 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123505 | XXXXX | N/A | No | No | $3,596.69 | $3,596.69 | 6.875% | No | No | US Citizen | 2 | $11,974.08 | $2,535.00 | $997.84 | $211.25 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | XXXXX | 66.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124624 | XXXXX | Non QM | Yes | No | $3,848.00 | $5,319.46 | 6.704% | $2,056.92 | $2,056.92 | 6.375% | No | No | Employed | US Citizen | $6,340.22 | 1 | $10,143.36 | $810.96 | $845.28 | $67.58 | 32.263% | 32.263% | 32.263% | 12/30/2025 | 767 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,848.00 | 5.890% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 83.370% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124805 | XXXXX | Non QM | Yes | No | $6,835.00 | $8,879.38 | 6.809% | $2,734.13 | $2,734.13 | 6.625% | No | No | Self-Employed | US Citizen | $9,763.20 | 1 | $6,375.84 | $2,274.48 | $531.32 | $189.54 | 35.053% | 35.053% | 35.053% | 03/19/2026 | 773 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $6,835.00 | 6.430% | $0.00 | 1.3 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121472 | XXXXX | Non QM | Yes | No | $7,634.38 | $12,660.28 | 7.240% | $2,916.07 | $2,916.07 | 6.990% | No | No | Employed | US Citizen | $4,658.50 | 1 | $7,814.76 | $1,920.00 | $651.23 | $160.00 | 48.151% | 48.151% | 48.151% | 01/23/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Disability]; Account Statements - 2026 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,634.38 | 6.020% | $500.00 | 1.2 | None | Yes | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 12.140% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.14 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | 04/09/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125122 | XXXXX | N/A | No | No | $787.25 | $787.25 | 8.625% | No | No | US Citizen | 1 | $2,154.24 | $722.04 | $179.52 | $60.17 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125007 | XXXXX | N/A | No | No | $2,622.77 | $2,622.77 | 7.490% | No | No | US Citizen | US Citizen | 1 | $4,012.92 | $1,203.00 | $334.41 | $100.25 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | 54.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126945 | XXXXX | N/A | No | No | $5,910.89 | $5,910.89 | 6.250% | No | No | US Citizen | 3 | $13,291.68 | $1,794.00 | $1,107.64 | $149.50 | 0.000% | 0.000% | 0.000% | 12/22/2025 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124686 | XXXXX | N/A | No | No | $1,051.09 | $1,051.09 | 6.875% | No | No | US Citizen | 1 | $10,541.40 | $1,251.00 | $878.45 | $104.25 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 680 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 71.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124799 | XXXXX | Non QM | Yes | No | $7,218.00 | $8,179.37 | 6.607% | $2,016.35 | $2,016.35 | 6.375% | No | No | Employed | US Citizen | $6,355.58 | 1 | $3,492.72 | $2,672.16 | $291.06 | $222.68 | 29.382% | 29.382% | 29.382% | 03/31/2026 | 809 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $7,218.00 | 6.370% | $0.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 51.930% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125506 | XXXXX | Non QM | Yes | No | $2,365.00 | $4,977.78 | 7.033% | $6,120.78 | $6,120.78 | 7.000% | No | No | Employed | Permanent Resident Alien | $10,310.04 | 1 | $13,617.48 | $2,632.68 | $1,134.79 | $219.39 | 42.722% | 42.722% | 42.722% | 04/13/2026 | 751 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,365.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 38.630% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 5.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120834 | XXXXX | Non QM | Yes | No | $1,640.00 | $8,018.90 | 6.269% | $11,236.84 | $11,236.84 | 6.250% | No | No | Non-Employment Income | US Citizen | $2,859.68 | 1 | $36,052.08 | $2,868.00 | $3,004.34 | $239.00 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 792 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | Yes | XXXXX | $1,640.00 | 6.020% | $5,000.00 | 2.6 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 248.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124271 | XXXXX | N/A | No | No | $2,373.97 | $2,373.97 | 7.250% | No | No | US Citizen | 1 | $5,110.20 | $1,286.88 | $425.85 | $107.24 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 728 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 2.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 9.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125611 | XXXXX | N/A | No | No | $552.54 | $552.54 | 7.375% | No | No | US Citizen | 1 | $1,134.12 | $1,272.96 | $94.51 | $106.08 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXXX | XXXXX | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126905 | XXXXX | N/A | No | No | $3,052.29 | $3,052.29 | 6.125% | No | No | US Citizen | 1 | $7,392.00 | $2,792.52 | $616.00 | $232.71 | 0.000% | 0.000% | 0.000% | 03/11/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 247.7 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125613 | XXXXX | N/A | No | No | $1,278.09 | $1,278.09 | 8.000% | No | No | US Citizen | 1 | $1,868.64 | $1,549.20 | $155.72 | $129.10 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.12 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124971 | XXXXX | N/A | No | No | $821.35 | $821.35 | 8.625% | No | No | Permanent Resident Alien | 1 | $2,603.04 | $2,041.32 | $216.92 | $170.11 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124760 | XXXXX | N/A | No | No | $2,248.96 | $2,248.96 | 8.095% | No | No | US Citizen | 1 | $2,535.48 | $702.00 | $211.29 | $58.50 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.2 | No | No | 8.095% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.53 | XXXXX | XXXXX | 18.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123168 | XXXXX | Non QM | Yes | No | $17,125.08 | $19,721.16 | 6.234% | $2,129.46 | $2,129.46 | 5.750% | No | No | Non-Employment Income | US Citizen | $5,066.92 | 1 | $7,283.04 | $707.52 | $606.92 | $58.96 | 45.401% | 45.401% | 45.401% | 03/25/2026 | 703 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $17,125.08 | 6.220% | $29,379.34 | 1.0 | None | Yes | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 202.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126137 | XXXXX | N/A | No | No | $1,320.92 | $1,320.92 | 7.375% | No | No | US Citizen | 1 | $3,385.44 | $786.96 | $282.12 | $65.58 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126092 | XXXXX | Non QM | Yes | No | $5,545.00 | $6,670.59 | 6.863% | $3,468.08 | $3,468.08 | 6.625% | No | No | Self-Employed | US Citizen | $11,728.03 | 1 | $7,017.60 | $1,827.00 | $584.80 | $152.25 | 35.018% | 35.018% | 35.018% | 02/02/2026 | 785 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $5,545.00 | 5.890% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 52.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124034 | XXXXX | Non QM | Yes | No | $1,670.00 | $3,406.05 | 6.673% | $3,196.43 | $3,196.43 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,576.39 | 1 | $7,802.76 | $1,584.00 | $650.23 | $132.00 | 42.789% | 42.789% | 42.789% | 04/10/2026 | 795 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,670.00 | 6.430% | $0.00 | 2.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 231.64 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125750 | XXXXX | N/A | No | No | $1,042.91 | $1,042.91 | 6.500% | No | No | US Citizen | 2 | $5,377.92 | $1,875.96 | $448.16 | $156.33 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.39 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122756 | XXXXX | Non QM | Yes | No | $7,640.94 | $15,156.75 | 7.437% | $11,674.57 | $11,674.57 | 7.375% | No | No | Employed | Employed | Non-Permanent Resident Alien | US Citizen | $16,830.21 | 1 | $22,916.04 | $12,219.84 | $1,909.67 | $1,018.32 | 52.658% | 52.658% | 52.658% | 02/20/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,640.94 | 6.120% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 59.050% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.53 | Yes | No | $0.00 | $15,550.34 | No | No | No | No | 4 | 360 | AH | 04/17/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121621 | XXXXX | N/A | No | No | $4,586.96 | $1,532.64 | 7.258% | $2,880.15 | $2,880.15 | 7.250% | No | No | Employed | US Citizen | $6,685.83 | 2 | $9,087.00 | $2,282.52 | $757.25 | $190.21 | 40.615% | 40.615% | 40.615% | 03/17/2026 | 778 | No | No | [Borrower - |
Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $4,586.96 | 6.020% | $20,000.00 | None | No | No | 7.250% | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 53.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122510 | XXXXX | N/A | No | No | $901.44 | $901.44 | 7.125% | No | No | US Citizen | US Citizen | 1 | $3,399.12 | $466.56 | $283.26 | $38.88 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 44.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125064 | XXXXX | N/A | No | No | $2,528.27 | $2,528.27 | 6.500% | No | No | US Citizen | 1 | $3,085.56 | $2,478.96 | $257.13 | $206.58 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 97.740% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125311 | XXXXX | N/A | No | No | $5,787.86 | $5,787.86 | 7.375% | No | No | US Citizen | 1 | $4,789.80 | $12,078.00 | $399.15 | $1,006.50 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 132.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123566 | XXXXX | N/A | No | No | $996.38 | $996.38 | 7.500% | No | No | US Citizen | 1 | $1,374.60 | $1,323.96 | $114.55 | $110.33 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123726 | XXXXX | Non QM | Yes | No | $4,747.33 | $6,261.13 | 6.865% | $2,999.12 | $2,999.12 | 6.750% | No | No | Non-Employment Income | US Citizen | $6,489.05 | 1 | $8,264.64 | $1,211.76 | $688.72 | $100.98 | 39.286% | 39.286% | 39.286% | 03/24/2026 | 815 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,747.33 | 6.430% | $0.00 | 1.5 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 247.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126548 | XXXXX | N/A | No | No | $1,337.12 | $1,337.12 | 7.499% | No | No | US Citizen | 1 | $4,867.20 | $3,735.96 | $405.60 | $311.33 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | XXXXX | XXXXX | 48.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000517 | XXXXX | N/A | No | No | $33,455.00 | $4,541.75 | 6.775% | $7,653.46 | $7,653.46 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | $11,730.04 | 1 | $14,706.00 | $2,088.00 | $1,225.50 | $174.00 | 46.682% | 46.682% | 46.682% | 02/25/2026 | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $33,455.00 | 6.020% | $0.00 | 4.3 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.84 | No | $22,000.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122095 | XXXXX | N/A | No | No | $3,426.31 | $3,426.31 | 7.000% | No | No | US Citizen | 1 | $12,324.00 | $930.96 | $1,027.00 | $77.58 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 802 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.8 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 131.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121835 | XXXXX | N/A | No | No | $5,783.20 | $5,783.20 | 7.875% | No | No | US Citizen | 4 | $8,297.28 | $2,864.28 | $691.44 | $238.69 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124816 | XXXXX | N/A | No | No | $5,775.00 | $5,775.00 | 7.000% | No | No | US Citizen | 1 | $9,256.20 | $2,582.04 | $771.35 | $215.17 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | 240 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126407 | XXXXX | N/A | No | No | $2,339.73 | $2,339.73 | 6.250% | No | No | US Citizen | 1 | $7,207.56 | $1,594.32 | $600.63 | $132.86 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122570 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,475.40 | 6.895% | $7,423.30 | $7,423.30 | 6.875% | No | No | Self-Employed | US Citizen | $28,939.53 | 1 | $15,324.96 | $2,525.04 | $1,277.08 | $210.42 | 41.417% | 41.417% | 41.417% | 03/19/2026 | 798 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; D1C Income Verification Report -
2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2001 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $5,614.00 | 1.0 | None | Yes | No | 6.875% | 3 | 2 | 0 | 3 | 3 | No | XXXXX | XXXXX | 48.930% | No | 24 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.22 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127423 | XXXXX | N/A | No | No | $2,430.44 | $2,430.44 | 6.125% | No | No | Permanent Resident Alien | 4 | $9,994.32 | $6,372.00 | $832.86 | $531.00 | 0.000% | 0.000% | 0.000% | 11/04/2025 | 763 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124699 | XXXXX | N/A | No | No | $972.80 | $972.80 | 6.749% | No | No | US Citizen | 1 | $4,494.84 | $622.92 | $374.57 | $51.91 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 678 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 2.7 | Yes | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.64 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124544 | XXXXX | Non QM | Yes | No | $2,172.00 | $5,830.76 | 7.003% | $2,627.72 | $2,627.72 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,320.23 | 1 | $19,449.96 | $3,704.16 | $1,620.83 | $308.68 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 804 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,172.00 | 6.370% | $0.00 | 3.2 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1010.14 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122583 | XXXXX | N/A | No | No | $11,483.33 | $11,483.33 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $5,805.48 | $12,713.40 | $483.79 | $1,059.45 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 777 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.22 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124638 | XXXXX | Non QM | Yes | No | $12,567.25 | $14,776.00 | 7.493% | $2,617.40 | $2,617.40 | 7.125% | No | No | Employed | US Citizen | $7,111.48 | 1 | $6,876.24 | $2,633.16 | $573.02 | $219.43 | 41.146% | 41.146% | 41.146% | 03/04/2026 | 756 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $12,567.25 | 6.430% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126173 | XXXXX | N/A | No | No | $19,902.66 | $8,288.71 | 7.806% | $3,230.71 | $3,230.71 | 7.625% | No | No | Not Employed | Self-Employed | US Citizen | $23,769.81 | 1 | $8,952.48 | $2,609.64 | $746.04 | $217.47 | 44.508% | 44.508% | 44.508% | 04/14/2026 | 720 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $19,902.66 | 6.370% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | No | $42,834.33 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125270 | XXXXX | N/A | No | No | $934.78 | $934.78 | 7.125% | No | No | US Citizen | 1 | $843.24 | $1,619.04 | $70.27 | $134.92 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 5.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126358 | XXXXX | N/A | No | No | $891.50 | $891.50 | 7.500% | No | No | US Citizen | 1 | $5,738.88 | $480.84 | $478.24 | $40.07 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.43 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125298 | XXXXX | N/A | No | No | $1,180.56 | $1,180.56 | 9.500% | No | No | US Citizen | 2 | $4,821.60 | $4,678.56 | $401.80 | $389.88 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125120 | XXXXX | N/A | No | No | $1,036.01 | $1,036.01 | 7.375% | No | No | US Citizen | US Citizen | 1 | $6,220.92 | $1,496.88 | $518.41 | $124.74 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 103.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126132 | XXXXX | N/A | No | No | $635.42 | $635.42 | 7.375% | No | No | US Citizen | 1 | $962.64 | $1,279.44 | $80.22 | $106.62 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | XXXXX | 33.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123892 | XXXXX | N/A | No | No | $7,164.12 | $7,164.12 | 7.750% | No | No | US Citizen | 1 | $5,074.20 | $3,492.00 | $422.85 | $291.00 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 661 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 123.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125667 | XXXXX | N/A | No | No | $880.43 | $880.43 | 7.999% | No | No | US Citizen | 1 | $1,137.60 | $578.04 | $94.80 | $48.17 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125546 | XXXXX | N/A | No | No | $2,202.53 | $2,202.53 | 7.500% | No | No | US Citizen | 1 | $7,327.32 | $1,305.96 | $610.61 | $108.83 | 0.000% | 0.000% | 0.000% | 03/29/2026 | 763 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 59.920% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123229 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,454.06 | 6.401% | $9,333.09 | $9,333.09 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,373.81 | 1 | $19,975.44 | $2,160.48 | $1,664.62 | $180.04 | 37.345% | 37.345% | 37.345% | 04/16/2026 | 800 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - K-1 (< 25%)]; Employer Letter - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Employer Letter - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 | 2.60 | No | XXXXX | XXXXX | 43.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127377 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $22,620.00 | $25,032.67 | 7.858% | $4,922.47 | $4,922.47 | 7.500% | No | No | Self-Employed | US Citizen | $7,283.96 | 1 | $7,670.28 | $1,748.04 | $639.19 | $145.67 | 44.083% | 44.083% | 44.083% | 02/23/2026 | 807 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $22,620.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 28.520% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO 9 | FICO Risk Score Classic 04 | 4.3 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125646 | XXXXX | N/A | No | No | $1,145.32 | $1,145.32 | 7.125% | No | No | US Citizen | 1 | $1,179.96 | $731.04 | $98.33 | $60.92 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.62 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 161.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124704 | XXXXX | N/A | No | No | $2,237.66 | $2,237.66 | 6.750% | No | No | US Citizen | 1 | $4,599.96 | $834.96 | $383.33 | $69.58 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 17.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 97.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124167 | XXXXX | N/A | No | No | $2,613.85 | $2,613.85 | 6.750% | No | No | US Citizen | 1 | $7,749.96 | $1,485.24 | $645.83 | $123.77 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 281.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127496 | XXXXX | Non QM | Yes | No | $2,324.00 | $5,766.42 | 6.542% | $6,478.70 | $6,478.70 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,047.24 | 1 | $18,682.56 | $2,453.16 | $1,556.88 | $204.43 | 42.281% | 42.281% | 42.281% | 03/23/2026 | 776 | No | Yes | 12 | Personal | 83.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | Yes | XXXXX | $2,324.00 | 6.370% | $10,000.00 | 1.8 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 44.830% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124396 | XXXXX | N/A | No | No | $3,714.68 | $3,714.68 | 8.000% | No | No | US Citizen | 2 | $8,511.12 | $1,995.96 | $709.26 | $166.33 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 452.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125449 | XXXXX | N/A | No | No | $10,074.45 | $10,074.45 | 7.125% | No | No | US Citizen | US Citizen | 1 | $25,376.16 | $8,678.64 | $2,114.68 | $723.22 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 761 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | 240 | XXXXX | XXXXX | 81.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125277 | XXXXX | N/A | No | No | $2,038.00 | $2,038.00 | 7.125% | No | No | US Citizen | US Citizen | 1 | $9,510.96 | $2,537.04 | $792.58 | $211.42 | 0.000% | 0.000% | 0.000% | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 599.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125245 | XXXXX | N/A | No | No | $1,381.35 | $1,381.35 | 7.375% | No | No | US Citizen | 1 | $1,693.68 | $875.04 | $141.14 | $72.92 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125557 | XXXXX | Non QM | Yes | No | $2,760.00 | $3,614.41 | 6.946% | $3,054.72 | $3,054.72 | 6.875% | No | No | Employed | US Citizen | $6,053.97 | 1 | $7,823.16 | $813.96 | $651.93 | $67.83 | 44.964% | 44.964% | 44.964% | 04/03/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,760.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127391 | XXXXX | N/A | No | No | $1,326.10 | $1,326.10 | 7.375% | No | No | US Citizen | US Citizen | 1 | $1,971.96 | $2,493.96 | $164.33 | $207.83 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 98.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 102.76 | Yes | 35.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123334 | XXXXX | N/A | No | No | $2,572.12 | $2,572.12 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | $1,794.96 | $1,183.20 | $149.58 | $98.60 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126946 | XXXXX | N/A | No | No | $1,909.55 | $1,909.55 | 7.250% | No | No | US Citizen | 2 | $8,615.52 | $1,673.04 | $717.96 | $139.42 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 0.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.02 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126662 | XXXXX | N/A | No | No | $2,277.34 | $2,277.34 | 6.875% | No | No | US Citizen | 1 | $2,134.68 | $1,121.04 | $177.89 | $93.42 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125967 | XXXXX | N/A | No | No | $3,202.53 | $3,202.53 | 6.875% | No | No | Permanent Resident Alien | 2 | $9,848.04 | $2,104.20 | $820.67 | $175.35 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 32.140% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122287 | XXXXX | N/A | No | No | $1,698.46 | $1,698.46 | 8.125% | No | No | US Citizen | 1 | $1,455.12 | $770.04 | $121.26 | $64.17 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122042 | XXXXX | Non QM | Yes | No | $2,270.00 | $6,637.46 | 6.926% | $5,173.31 | $5,173.31 | 6.875% | No | No | Not Employed | Not Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $111,824.51 | 1 | $12,123.36 | $1,413.96 | $1,010.28 | $117.83 | 15.934% | 15.934% | 15.934% | 764 | 756 | 816 | 801 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.120% | $0.00 | 2.7 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 4 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1354.24 | No | No | $133,019.46 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122997 | XXXXX | N/A | No | No | $816.57 | $816.57 | 7.250% | No | No | US Citizen | 3 | $2,201.76 | $1,946.04 | $183.48 | $162.17 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.89 | 0.53 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123500 | XXXXX | Non QM | Yes | No | $2,090.00 | $4,456.24 | 7.136% | $20,211.56 | $20,211.56 | 7.125% | No | No | Self-Employed | US Citizen | $42,318.10 | 1 | $21,278.88 | $4,907.28 | $1,773.24 | $408.94 | 36.501% | 36.501% | 36.501% | 01/07/2026 | 775 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,090.00 | 6.220% | $0.00 | 4.6 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125508 | XXXXX | Non QM | Yes | No | $18,850.00 | $2,789.00 | 8.277% | $6,490.94 | $6,490.94 | 8.250% | No | No | Self-Employed | US Citizen | $11,362.46 | 1 | $9,682.44 | $1,671.60 | $806.87 | $139.30 | 42.154% | 42.154% | 42.154% | 03/09/2026 | 740 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $18,850.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 14.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123602 | XXXXX | N/A | No | No | $3,768.36 | $3,768.36 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | $7,023.12 | $3,923.04 | $585.26 | $326.92 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 769 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.09 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123703 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,328.05 | 6.417% | $8,110.31 | $8,110.31 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $48,484.82 | 1 | $38,150.40 | $8,622.96 | $3,179.20 | $718.58 | 32.015% | 32.015% | 32.015% | 03/30/2026 | 783 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $5,000.00 | 1.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 1158.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122356 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,125.64 | 6.404% | $10,481.01 | $10,481.01 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $15,940.61 | 1 | $7,465.32 | $5,475.96 | $622.11 | $456.33 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 810 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 3.4 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 366.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127736 | XXXXX | N/A | No | No | $1,044.24 | $1,044.24 | 6.750% | No | No | US Citizen | 1 | $1,900.92 | $1,830.60 | $158.41 | $152.55 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 112.58 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125650 | XXXXX | Non QM | Yes | No | $5,506.00 | $9,717.90 | 7.322% | $1,096.13 | $1,096.13 | 6.750% | No | No | Self-Employed | US Citizen | $4,422.02 | 1 | $7,112.52 | $2,258.64 | $592.71 | $188.22 | 40.017% | 40.017% | 40.017% | 04/03/2026 | 727 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $5,506.00 | 6.370% | $2,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126055 | XXXXX | N/A | No | No | $12,451.25 | $14,589.52 | 6.531% | $5,396.47 | $5,396.47 | 6.375% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $25,074.46 | 1 | $8,747.04 | $13,916.52 | $728.92 | $1,159.71 | 26.143% | 26.143% | 26.143% | 03/18/2026 | 797 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - |
Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $12,451.25 | 6.370% | $11,955.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 103.31 | No | No | $33,950.05 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124972 | XXXXX | Non QM | Yes | No | $6,145.22 | $4,644.77 | 7.622% | $2,346.60 | $2,346.60 | 7.488% | No | No | Self-Employed | US Citizen | $18,553.29 | 1 | $7,085.40 | $3,205.44 | $590.45 | $267.12 | 36.778% | 36.778% | 36.778% | 04/09/2026 | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2016 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,145.22 | 6.260% | $10,000.00 | 1.5 | None | Yes | No | 7.488% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 1.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.25 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125799 | XXXXX | N/A | No | No | $1,395.86 | $1,395.86 | 6.750% | No | No | US Citizen | 1 | $732.72 | $7,705.20 | $61.06 | $642.10 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | XXXXX | 32.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124453 | XXXXX | Non QM | Yes | No | $2,565.00 | $6,936.75 | 7.199% | $4,679.02 | $5,315.75 | 7.639% | No | No | Self-Employed | Permanent Resident Alien | $118,655.05 | 1 | $21,875.04 | $4,055.52 | $1,822.92 | $337.96 | 11.327% | 11.529% | 11.327% | 03/19/2026 | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.210% | $0.00 | 1.4 | None | N/A | No | 7.639% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 77.100% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 72.81 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124806 | XXXXX | N/A | No | No | $935.80 | $935.80 | 6.375% | No | No | US Citizen | 1 | $4,415.04 | $666.00 | $367.92 | $55.50 | 0.000% | 0.000% | 0.000% | 02/27/2026 | 814 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXXX | XXXXX | 66.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127285 | XXXXX | N/A | No | No | $5,762.80 | $5,762.80 | 6.625% | No | No | US Citizen | 2 | $10,372.92 | $3,162.96 | $864.41 | $263.58 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 125.66 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121953 | XXXXX | Non QM | Yes | No | $2,468.24 | $6,065.66 | 8.035% | $2,512.69 | $2,512.69 | 7.875% | No | No | Employed | US Citizen | $7,090.63 | 1 | $8,070.96 | $1,383.00 | $672.58 | $115.25 | 38.870% | 38.870% | 38.870% | 03/31/2026 | 784 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,468.24 | 6.120% | $0.00 | 1.0 | None | Yes | No | 7.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 66.360% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 43.96 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125305 | XXXXX | Non QM | Yes | No | $2,589.00 | $4,191.20 | 6.545% | $4,930.13 | $4,930.13 | 6.500% | No | No | Self-Employed | US Citizen | $8,018.70 | 1 | $22,250.04 | $3,026.64 | $1,854.17 | $252.22 | 49.915% | 49.915% | 49.915% | 03/30/2026 | 806 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,589.00 | 6.370% | $10,000.00 | 1.4 | None | N/A | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 78.750% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127735 | XXXXX | N/A | No | No | $3,841.87 | $3,841.87 | 6.625% | No | No | US Citizen | 1 | $21,468.24 | $3,689.16 | $1,789.02 | $307.43 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 692 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.79 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124631 | XXXXX | Non QM | Yes | No | $2,734.72 | $2,085.31 | 6.764% | $6,070.88 | $6,070.88 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,972.65 | 1 | $11,315.40 | $2,168.04 | $942.95 | $180.67 | 47.236% | 47.236% | 47.236% | 04/07/2026 | 769 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,734.72 | 6.430% | $13,437.20 | 2.6 | None | No | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 48.800% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 46.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125231 | XXXXX | N/A | No | No | $2,199.07 | $2,199.07 | 6.875% | No | No | US Citizen | 1 | $3,960.96 | $2,544.84 | $330.08 | $212.07 | 0.000% | 0.000% | 0.000% | 03/03/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXXX | XXXXX | 46.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125635 | XXXXX | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | $5,714.52 | $1,442.04 | $476.21 | $120.17 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 194.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124136 | XXXXX | N/A | No | No | $2,827.77 | $2,827.77 | 7.875% | No | No | US Citizen | US Citizen | 1 | $5,970.24 | $2,784.00 | $497.52 | $232.00 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 285.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123349 | XXXXX | Non QM | Yes | No | $2,300.80 | $7,485.72 | 6.677% | $8,452.10 | $8,452.10 | 6.625% | No | No | Employed | US Citizen | $15,358.86 | 1 | $19,795.80 | $2,444.16 | $1,649.65 | $203.68 | 45.728% | 45.728% | 45.728% | 03/24/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,300.80 | 6.220% | $0.00 | 1.4 | None | No | No | 6.625% | 2 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 29.100% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125950 | XXXXX | Non QM | Yes | No | $5,271.25 | $6,095.76 | 7.000% | $3,087.57 | $3,087.57 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $7,871.63 | 1 | $6,848.52 | $1,259.04 | $570.71 | $104.92 | 34.468% | 34.468% | 34.468% | 04/07/2026 | 762 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $5,271.25 | 6.370% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124461 | XXXXX | Non QM | Yes | No | $2,620.76 | $7,830.65 | 7.190% | $7,478.28 | $7,478.28 | 7.125% | No | No | Self-Employed | US Citizen | $13,938.84 | 1 | $18,500.04 | $1,931.40 | $1,541.67 | $160.95 | 42.475% | 42.475% | 42.475% | 03/25/2026 | 797 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,620.76 | 6.430% | $5,980.76 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 72.940% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 70.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125373 | XXXXX | N/A | No | No | $1,158.77 | $1,158.77 | 7.500% | No | No | US Citizen | 1 | $6,468.72 | $1,764.96 | $539.06 | $147.08 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 64.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124954 | XXXXX | Non QM | Yes | No | $1,640.00 | $0.00 | 6.743% | $9,666.71 | $9,666.71 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $15,187.73 | 1 | $25,713.12 | $1,979.04 | $2,142.76 | $164.92 | 48.249% | 48.249% | 48.249% | 03/29/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $17,600.00 | 2.1 | None | Yes | No | 6.750% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 82.220% | No | 12 | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 123.08 | No | No | $0.00 | $20,054.56 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126521 | XXXXX | Non QM | Yes | No | $33,384.44 | $35,663.14 | 6.744% | $8,874.24 | $8,874.24 | 6.500% | No | No | Self-Employed | US Citizen | $12,329.90 | 1 | $22,515.84 | $1,286.04 | $1,876.32 | $107.17 | 49.454% | 49.454% | 49.454% | 02/11/2026 | 721 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2021 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $33,384.44 | 6.120% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125745 | XXXXX | N/A | No | No | $3,366.43 | $3,366.43 | 6.625% | No | No | 0 | 0 | US Citizen | 1 | $4,759.44 | $1,164.00 | $396.62 | $97.00 | 0.000% | 0.000% | 0.000% | 01/18/2026 | 788 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124421 | XXXXX | N/A | No | No | $4,966.00 | $4,966.00 | 6.375% | No | No | US Citizen | 1 | $36,857.16 | $3,390.00 | $3,071.43 | $282.50 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.52 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127470 | XXXXX | N/A | No | No | $6,320.68 | $6,320.68 | 6.500% | No | No | US Citizen | US Citizen | 2 | $13,773.12 | $4,491.00 | $1,147.76 | $374.25 | 0.000% | 0.000% | 0.000% | 777 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.72 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124755 | XXXXX | N/A | No | No | $2,915.79 | $2,915.79 | 8.125% | No | No | Non-Permanent Resident Alien | 1 | $12,272.40 | $2,478.60 | $1,022.70 | $206.55 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 41.260% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125073 | XXXXX | Non QM | Yes | No | $7,481.00 | $10,470.50 | 6.710% | $1,871.61 | $1,871.61 | 6.375% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $4,923.48 | 1 | $5,935.68 | $1,418.28 | $494.64 | $118.19 | 35.967% | 35.967% | 35.967% | 03/18/2026 | 777 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $7,481.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 1.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125232 | XXXXX | N/A | No | No | $943.94 | $943.94 | 7.500% | No | No | US Citizen | 1 | $2,586.00 | $518.04 | $215.50 | $43.17 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.05 | XXXXX | XXXXX | 0.550% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000118864 | XXXXX | Non QM | Yes | No | $13,234.14 | $17,442.47 | 6.871% | $7,517.25 | $7,517.25 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,008.01 | 1 | $9,417.48 | $2,304.96 | $784.79 | $192.08 | 48.917% | 48.917% | 48.917% | 02/02/2026 | 802 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $13,234.14 | 6.430% | $0.00 | 1.0 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 28 | 25 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.74 | No | No | $0.00 | $9,441.66 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124395 | XXXXX | N/A | No | No | $3,385.05 | $3,385.05 | 7.750% | No | No | US Citizen | 2 | $11,002.56 | $1,989.96 | $916.88 | $165.83 | 0.000% | 0.000% | 0.000% | 02/18/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 303.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123352 | XXXXX | N/A | No | No | $1,482.19 | $1,482.19 | 6.250% | No | No | US Citizen | 1 | $8,025.00 | $1,452.60 | $668.75 | $121.05 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | XXXXX | XXXXX | 62.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125746 | XXXXX | N/A | No | No | $3,253.10 | $3,253.10 | 6.625% | No | No | 0 | 0 | US Citizen | 1 | $4,521.96 | $1,067.04 | $376.83 | $88.92 | 0.000% | 0.000% | 0.000% | 01/18/2026 | 788 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.58 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124810 | XXXXX | Non QM | Yes | No | $3,168.90 | $3,818.74 | 6.695% | $1,200.93 | $1,200.93 | 6.500% | No | No | Employed | US Citizen | $7,557.87 | 1 | $7,794.48 | $2,930.04 | $649.54 | $244.17 | 38.996% | 38.996% | 38.996% | 03/13/2026 | 785 | No | No | [Borrower - |
Non-Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $3,168.90 | 6.430% | $0.00 | 3.5 | None | No | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 76.130% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124017 | XXXXX | N/A | No | No | $1,553.48 | $1,553.48 | 7.000% | No | No | US Citizen | 1 | $10,230.36 | $1,641.00 | $852.53 | $136.75 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXXX | XXXXX | 78.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126923 | XXXXX | N/A | No | No | $2,976.81 | $2,976.81 | 7.375% | No | No | US Citizen | 2 | $15,699.36 | $3,374.76 | $1,308.28 | $281.23 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122856 | XXXXX | Non QM | Yes | No | $4,744.00 | $6,418.29 | 6.955% | $1,783.64 | $1,783.64 | 6.750% | No | No | Self-Employed | US Citizen | $9,741.33 | 1 | $5,110.56 | $2,288.04 | $425.88 | $190.67 | 31.815% | 31.815% | 31.815% | 03/10/2026 | 712 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,744.00 | 6.220% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122505 | XXXXX | N/A | No | No | $2,627.68 | $2,627.68 | 7.625% | No | No | US Citizen | 1 | $6,748.20 | $2,939.40 | $562.35 | $244.95 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 10.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127218 | XXXXX | Non QM | Yes | No | $7,558.50 | $11,138.97 | 7.344% | $8,399.35 | $9,207.75 | 7.672% | No | No | Self-Employed | US Citizen | $67,477.42 | 1 | $21,162.00 | $1,959.36 | $1,763.50 | $163.28 | 15.860% | 16.842% | 15.860% | 03/17/2026 | 796 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,558.50 | 6.210% | $0.00 | 1.0 | None | Yes | No | 7.672% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 44.380% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | 04/08/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124719 | XXXXX | N/A | No | No | $1,203.57 | $1,203.57 | 7.750% | No | No | US Citizen | 1 | $2,477.28 | $732.96 | $206.44 | $61.08 | 0.000% | 0.000% | 0.000% | 01/08/2026 | 765 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123617 | XXXXX | Non QM | Yes | No | $3,468.00 | $4,638.83 | 6.597% | $1,247.74 | $1,247.74 | 6.375% | No | No | Employed | US Citizen | $4,477.12 | 1 | $1,111.68 | $720.96 | $92.64 | $60.08 | 34.874% | 34.874% | 34.874% | 02/26/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,468.00 | 6.220% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 44.250% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.93 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125504 | XXXXX | Non QM | Yes | No | $2,490.00 | $5,330.36 | 6.512% | $18,709.21 | $18,709.21 | 6.500% | No | No | Self-Employed | US Citizen | $67,779.59 | 1 | $70,808.76 | $2,126.04 | $5,900.73 | $177.17 | 35.949% | 35.949% | 35.949% | 03/04/2026 | 756 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.370% | $0.00 | 2.7 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 14.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126532 | XXXXX | Non QM | Yes | No | $2,620.00 | $4,112.69 | 7.855% | $15,209.63 | $18,271.13 | 8.644% | No | No | Self-Employed | US Citizen | $28,917.97 | 1 | $33,177.96 | $708.00 | $2,764.83 | $59.00 | 42.512% | 42.169% | 42.512% | 03/30/2026 | 818 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 6.210% | $0.00 | None | N/A | No | 8.644% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125949 | XXXXX | Non QM | Yes | No | $19,370.00 | $28,768.89 | 6.661% | $10,745.16 | $10,745.16 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $22,654.38 | 1 | $36,249.96 | $13,885.92 | $3,020.83 | $1,157.16 | 42.050% | 42.050% | 42.050% | 04/05/2026 | 725 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $19,370.00 | 6.370% | $0.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | 60.920% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 34.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122532 | XXXXX | Non QM | Yes | No | $5,777.50 | $5,977.25 | 7.274% | $985.39 | $985.39 | 6.875% | No | No | Employed | US Citizen | $4,103.20 | 1 | $1,261.32 | $2,021.64 | $105.11 | $168.47 | 38.076% | 38.076% | 38.076% | 03/02/2026 | 707 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $5,777.50 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124595 | XXXXX | Non QM | Yes | No | $1,890.00 | $2,701.18 | 7.337% | $2,101.10 | $2,101.10 | 7.250% | No | No | Employed | US Citizen | $26,959.93 | 1 | $2,803.80 | $3,533.88 | $233.65 | $294.49 | 28.025% | 28.025% | 28.025% | 04/07/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,890.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.38 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 04/28/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127459 | XXXXX | N/A | No | No | $1,144.56 | $1,144.56 | 6.625% | No | No | US Citizen | 1 | $2,579.88 | $1,878.00 | $214.99 | $156.50 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.05 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127448 | XXXXX | N/A | No | No | $996.64 | $996.64 | 6.625% | No | No | US Citizen | 1 | $2,505.00 | $587.04 | $208.75 | $48.92 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 233.63 | Yes | 18.000% | 90 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125324 | XXXXX | Non QM | Yes | No | $5,105.00 | $8,769.42 | 7.585% | $3,530.29 | $3,713.94 | 7.639% | No | No | Employed | US Citizen | $6,539.45 | 1 | $7,877.76 | $1,801.56 | $656.48 | $150.13 | 43.135% | 47.250% | 43.135% | 03/06/2026 | 718 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,105.00 | 6.220% | $21,000.00 | 1.0 | None | N/A | No | 7.639% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 16.090% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127290 | XXXXX | N/A | No | No | $1,550.35 | $1,550.35 | 6.875% | No | No | US Citizen | 1 | $2,861.52 | $2,122.44 | $238.46 | $176.87 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123702 | XXXXX | Non QM | Yes | No | $7,382.93 | $7,719.23 | 6.954% | $2,438.21 | $2,438.21 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,412.76 | 1 | $6,710.04 | $1,074.00 | $559.17 | $89.50 | 21.190% | 21.190% | 21.190% | 03/26/2026 | 795 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $7,382.93 | 6.430% | $0.00 | 3.3 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 351.2 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126860 | XXXXX | N/A | No | No | $7,916.19 | $7,916.19 | 7.125% | No | No | US Citizen | US Citizen | 1 | $35,412.72 | $3,363.36 | $2,951.06 | $280.28 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126734 | XXXXX | N/A | No | No | $1,928.27 | $1,928.27 | 8.125% | No | No | US Citizen | 1 | $5,647.32 | $2,030.04 | $470.61 | $169.17 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 749 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.12 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126789 | XXXXX | N/A | No | No | $3,884.38 | $3,884.38 | 6.875% | No | No | US Citizen | 1 | $6,013.20 | $1,945.08 | $501.10 | $162.09 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127202 | XXXXX | N/A | No | No | $1,920.73 | $1,920.73 | 6.624% | No | No | Permanent Resident Alien | 1 | $11,671.80 | $2,927.64 | $972.65 | $243.97 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | Yes | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.13 | XXXXX | XXXXX | 10.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123581 | XXXXX | N/A | No | No | $1,895.12 | $1,895.12 | 7.625% | No | No | US Citizen | 1 | $2,154.48 | $1,229.52 | $179.54 | $102.46 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 150.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126736 | XXXXX | N/A | No | No | $1,530.64 | $1,530.64 | 6.875% | No | No | US Citizen | 1 | $5,312.52 | $2,202.96 | $442.71 | $183.58 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 52.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000557 | XXXXX | N/A | No | No | $1,724.44 | $1,724.44 | 6.875% | No | No | US Citizen | 1 | $1,047.00 | $1,296.00 | $87.25 | $108.00 | 0.000% | 0.000% | 0.000% | 02/23/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.42 | 2.4 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126299 | XXXXX | N/A | No | No | $1,700.49 | $1,700.49 | 7.500% | No | No | US Citizen | 1 | $3,473.88 | $2,336.04 | $289.49 | $194.67 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 6.100% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123443 | XXXXX | Non QM | Yes | No | $1,640.00 | $593.53 | 6.888% | $2,075.90 | $2,075.90 | 6.875% | No | No | Employed | US Citizen | $2,662.64 | 1 | $4,565.40 | $1,254.72 | $380.45 | $104.56 | 49.573% | 49.573% | 49.573% | 04/06/2026 | 819 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.220% | $13,000.00 | 2.2 | None | No | No | 6.875% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 30.930% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.87 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000699 | XXXXX | Non QM | Yes | No | $1,170.00 | $4,734.97 | 6.521% | $12,953.31 | $12,953.31 | 6.500% | No | No | Self-Employed | US Citizen | $54,159.63 | 1 | $12,808.44 | $1,652.04 | $1,067.37 | $137.67 | 37.391% | 37.391% | 37.391% | 04/07/2026 | 723 | No | Yes | 24 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,170.00 | 6.260% | $10,000.00 | 2.6 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 16.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121143 | XXXXX | N/A | No | No | $1,676.56 | $1,676.56 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $7,135.08 | $710.28 | $594.59 | $59.19 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 779 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXXX | XXXXX | 94.380% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123626 | XXXXX | N/A | No | No | $9,520.00 | $5,085.42 | 7.168% | $5,308.90 | $5,308.90 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $204,039.38 | 1 | $6,160.32 | $2,302.08 | $513.36 | $191.84 | 3.010% | 3.010% | 3.010% | 04/06/2026 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,520.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 65.49 | No | No | $210,370.54 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124803 | XXXXX | Non QM | Yes | No | $2,445.00 | $938.92 | 7.139% | $3,907.57 | $3,907.57 | 7.125% | No | No | Employed | Permanent Resident Alien | $9,720.91 | 1 | $9,441.24 | $1,977.00 | $786.77 | $164.75 | 34.649% | 34.649% | 34.649% | 03/11/2026 | 719 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,445.00 | 6.430% | $0.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 1.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125648 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,214.20 | 6.668% | $4,277.28 | $4,277.28 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $4,202.49 | 1 | $4,628.04 | $3,045.72 | $385.67 | $253.81 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 811 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.370% | $5,000.00 | 2.2 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 216.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125955 | XXXXX | Non QM | Yes | No | $6,665.00 | $7,213.61 | 6.497% | $1,724.01 | $1,724.01 | 6.250% | No | No | Employed | US Citizen | $4,783.63 | 1 | $8,542.32 | $1,716.00 | $711.86 | $143.00 | 36.218% | 36.218% | 36.218% | 04/08/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,665.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 29.980% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122732 | XXXXX | N/A | No | No | $1,212.69 | $1,212.69 | 7.125% | No | No | US Citizen | 1 | $6,363.84 | $416.76 | $530.32 | $34.73 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 182.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127147 | XXXXX | N/A | No | No | $1,186.93 | $1,186.93 | 6.750% | No | No | 0 | US Citizen | 1 | $3,159.48 | $1,064.28 | $263.29 | $88.69 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 768 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 2.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.16 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126469 | XXXXX | N/A | No | No | $2,068.52 | $2,068.52 | 6.625% | No | No | US Citizen | 1 | $3,399.24 | $971.04 | $283.27 | $80.92 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 85.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 96.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123783 | XXXXX | N/A | No | No | $4,509.39 | $4,509.39 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | $2,307.60 | $2,481.00 | $192.30 | $206.75 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 792 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.23 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.68 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128321 | XXXXX | Non QM | Yes | No | $10,370.00 | $10,885.61 | 6.172% | $14,218.09 | $14,218.09 | 6.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,123.71 | 1 | $41,142.24 | $3,776.16 | $3,428.52 | $314.68 | 47.376% | 47.376% | 47.376% | 03/11/2026 | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $10,370.00 | 6.370% | $0.00 | 3.3 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.39 | No | $22,148.58 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126217 | XXXXX | N/A | No | No | $2,468.02 | $2,468.02 | 6.999% | No | No | US Citizen | 2 | $6,337.68 | $2,487.96 | $528.14 | $207.33 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125867 | XXXXX | N/A | No | No | $4,500.42 | $4,500.42 | 7.000% | No | No | US Citizen | 1 | $11,469.60 | $2,234.04 | $955.80 | $186.17 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 812 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | 360 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125164 | XXXXX | N/A | No | No | $5,715.28 | $5,715.28 | 6.875% | No | No | US Citizen | 1 | $19,683.48 | $0.00 | $1,640.29 | $0.00 | 0.000% | 0.000% | 0.000% | 02/12/2026 | 697 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.09 | Yes | 18.000% | 360 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123223 | XXXXX | Non QM | Yes | No | $5,005.20 | $6,379.10 | 6.739% | $2,977.45 | $2,977.45 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,284.57 | 1 | $9,785.16 | $1,562.04 | $815.43 | $130.17 | 54.508% | 54.508% | 54.508% | 01/03/2026 | 768 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $5,005.20 | 6.020% | $68,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 93.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 119.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126099 | XXXXX | N/A | No | No | $6,303.86 | $6,303.86 | 6.625% | No | No | 0 | US Citizen | US Citizen | 4 | $15,528.00 | $6,178.20 | $1,294.00 | $514.85 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 698 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.75 | 0.36 | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.27 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125141 | XXXXX | Non QM | Yes | No | $14,570.00 | $15,362.88 | 6.931% | $17,367.56 | $17,367.56 | 6.875% | No | No | Self-Employed | US Citizen | $94,508.26 | 1 | $44,062.56 | $1,230.12 | $3,671.88 | $102.51 | 44.448% | 44.448% | 44.448% | 04/09/2026 | 799 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | Yes | XXXXX | $14,570.00 | 6.430% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 19.190% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.11 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124953 | XXXXX | Non QM | Yes | No | $38,895.00 | $40,612.64 | 6.530% | $15,596.75 | $15,596.75 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,924.42 | 1 | $38,805.84 | $4,452.96 | $3,233.82 | $371.08 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 785 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $38,895.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 63.360% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 222.81 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126292 | XXXXX | N/A | No | No | $1,624.50 | $1,624.50 | 7.125% | No | No | US Citizen | 1 | $1,464.00 | $881.04 | $122.00 | $73.42 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 33.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126537 | XXXXX | Non QM | Yes | No | $10,961.54 | $13,299.52 | 6.341% | $3,499.84 | $3,499.84 | 6.125% | No | No | Self-Employed | US Citizen | $4,917.86 | 1 | $11,229.72 | $1,043.04 | $935.81 | $86.92 | 48.817% | 48.817% | 48.817% | 02/24/2026 | 779 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | Yes | XXXXX | $10,961.54 | 6.300% | $68,000.00 | 1.8 | None | No | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 25.750% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120778 | XXXXX | N/A | No | No | $1,640.00 | $2,445.34 | 7.020% | $6,706.25 | $6,706.25 | 7.000% | No | No | Employed | US Citizen | $16,179.50 | 1 | $16,274.16 | $5,711.04 | $1,356.18 | $475.92 | 49.896% | 49.896% | 49.896% | 02/20/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.020% | $0.00 | 3.8 | None | No | No | 7.000% | 2 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.71 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127003 | XXXXX | N/A | No | No | $1,605.28 | $1,605.28 | 6.750% | No | No | US Citizen | US Citizen | 1 | $2,795.04 | $905.28 | $232.92 | $75.44 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 65.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 33.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125350 | XXXXX | Non QM | Yes | No | $2,308.24 | $3,852.86 | 7.206% | $5,631.63 | $6,315.01 | 7.639% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,665.67 | 1 | $33,762.72 | $3,414.00 | $2,813.56 | $284.50 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 794 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,308.24 | 6.210% | $0.00 | 2.5 | None | No | No | 7.639% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 234.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123675 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,681.59 | 6.662% | $5,922.88 | $5,922.88 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $23,542.74 | 1 | $2,485.68 | $3,221.04 | $207.14 | $268.42 | 40.149% | 40.149% | 40.149% | 03/27/2026 | 789 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $0.00 | 4.1 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 562.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127190 | XXXXX | N/A | No | No | $1,331.85 | $1,331.85 | 6.625% | No | No | US Citizen | 1 | $3,567.00 | $1,709.04 | $297.25 | $142.42 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 26.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126987 | XXXXX | N/A | No | No | $1,110.21 | $1,110.21 | 6.875% | No | No | Permanent Resident Alien | 1 | $2,989.44 | $870.96 | $249.12 | $72.58 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 762 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128439 | XXXXX | N/A | No | No | $2,180.63 | $2,180.63 | 6.500% | No | No | US Citizen | 1 | $6,955.08 | $2,132.28 | $579.59 | $177.69 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | XXXXX | XXXXX | 3.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.17 | Yes | 18.000% | 90 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126190 | XXXXX | Non QM | Yes | No | $16,344.75 | $17,168.55 | 7.255% | $3,054.72 | $3,054.72 | 6.875% | No | No | Self-Employed | US Citizen | $8,771.89 | 1 | $4,065.72 | $1,185.96 | $338.81 | $98.83 | 31.067% | 31.067% | 31.067% | 03/31/2026 | 779 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Balance Sheet - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $16,344.75 | 6.370% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129009 | XXXXX | Non QM | Yes | No | $23,330.00 | $29,557.25 | 8.177% | $6,185.40 | $7,649.41 | 8.822% | No | No | Employed | Employed | US Citizen | US Citizen | $14,199.80 | 1 | $18,334.44 | $4,188.00 | $1,527.87 | $349.00 | 41.190% | 40.026% | 41.190% | 12/05/2024 | 756 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; WVOE - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | Yes | XXXXX | $23,330.00 | 7.190% | $0.00 | None | N/A | No | 8.822% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 38.850% | No | 35 | 24 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.85 | Yes | No | $0.00 | $9,395.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121005 | XXXXX | N/A | No | No | $1,590.87 | $1,590.87 | 6.375% | No | No | US Citizen | Permanent Resident Alien | 2 | $7,260.48 | $3,114.84 | $605.04 | $259.57 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122369 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,362.92 | 6.579% | $1,782.43 | $1,782.43 | 6.500% | No | No | Employed | US Citizen | $21,865.28 | 1 | $3,936.72 | $329.04 | $328.06 | $27.42 | 32.722% | 32.722% | 32.722% | 03/23/2026 | 815 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.120% | $0.00 | 1.7 | None | No | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 36.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128440 | XXXXX | N/A | No | No | $2,068.81 | $2,068.81 | 6.250% | No | No | US Citizen | 1 | $5,721.00 | $2,317.08 | $476.75 | $193.09 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.92 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127179 | XXXXX | N/A | No | No | $2,717.89 | $2,717.89 | 6.500% | No | No | US Citizen | 1 | $11,687.52 | $2,188.80 | $973.96 | $182.40 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 814 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1224.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126446 | XXXXX | N/A | No | No | $820.46 | $820.46 | 8.125% | No | No | US Citizen | 1 | $1,837.56 | $651.96 | $153.13 | $54.33 | 0.000% | 0.000% | 0.000% | 03/07/2026 | 667 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124622 | XXXXX | N/A | No | No | $2,071.57 | $2,071.57 | 8.125% | No | No | US Citizen | 1 | $2,903.16 | $996.00 | $241.93 | $83.00 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126300 | XXXXX | N/A | No | No | $4,090.40 | $4,090.40 | 7.500% | No | No | US Citizen | 3 | $16,697.04 | $9,694.56 | $1,391.42 | $807.88 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 20.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127107 | XXXXX | Non QM | Yes | No | $25,694.40 | $26,784.30 | 7.555% | $6,111.69 | $6,111.69 | 7.249% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,168.42 | 1 | $4,547.52 | $516.00 | $378.96 | $43.00 | 40.601% | 40.601% | 40.601% | 03/16/2026 | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $25,694.40 | 6.300% | $0.00 | 1.0 | None | Yes | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.82 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127311 | XXXXX | N/A | No | No | $2,075.51 | $2,075.51 | 6.750% | No | No | US Citizen | 1 | $6,791.04 | $5,206.92 | $565.92 | $433.91 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 87.450% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127471 | XXXXX | N/A | No | No | $2,865.14 | $2,865.14 | 7.250% | No | No | US Citizen | 2 | $167.04 | $1,944.96 | $13.92 | $162.08 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 713 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.28 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125684 | XXXXX | Non QM | Yes | No | $1,640.00 | $13,109.00 | 7.061% | $9,531.59 | $10,688.20 | 7.639% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $13,429.81 | 1 | $9,779.88 | $2,390.04 | $814.99 | $199.17 | 46.669% | 42.076% | 46.669% | 04/21/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.100% | $0.00 | 3.2 | None | No | No | 7.639% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 61.190% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 71.32 | Yes | No | ($221.92) | $11,128.76 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123970 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,317.36 | 6.542% | $4,740.51 | $4,740.51 | 6.500% | No | No | Non-Employment Income | US Citizen | $23,525.42 | 1 | $14,907.60 | $984.96 | $1,242.30 | $82.08 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 802 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $0.00 | 2.7 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 407.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125343 | XXXXX | Non QM | Yes | No | $10,323.20 | $12,376.15 | 6.447% | $10,106.69 | $10,106.69 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,872.09 | 1 | $19,475.52 | $3,177.96 | $1,622.96 | $264.83 | 38.076% | 38.076% | 38.076% | 04/03/2026 | 773 | No | No | [Borrower - |
Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2020 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $10,323.20 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 36.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125896 | XXXXX | N/A | No | No | $1,187.43 | $1,187.43 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | $1,828.44 | $866.04 | $152.37 | $72.17 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 799 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 118.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125081 | XXXXX | N/A | No | No | $2,571.69 | $2,571.69 | 6.750% | No | No | US Citizen | 1 | $7,183.08 | $1,679.04 | $598.59 | $139.92 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 819 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | XXXXX | 39.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129024 | XXXXX | N/A | No | No | $4,490.79 | $4,490.79 | 7.000% | No | No | US Citizen | 3 | $7,619.76 | $5,407.56 | $634.98 | $450.63 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.31 | 0.43 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.26 | Yes | 15.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124992 | XXXXX | N/A | No | No | $1,517.64 | $1,517.64 | 6.250% | No | No | US Citizen | 1 | $1,740.84 | $1,386.96 | $145.07 | $115.58 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 176.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124773 | XXXXX | N/A | No | No | $2,250.64 | $2,250.64 | 6.750% | No | No | US Citizen | 1 | $5,880.96 | $1,614.96 | $490.08 | $134.58 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 669 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124555 | XXXXX | N/A | No | No | $8,976.00 | $11,172.38 | 7.340% | $1,445.24 | $1,445.24 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,478.37 | 1 | $1,978.80 | $1,348.56 | $164.90 | $112.38 | 27.797% | 27.797% | 27.797% | 04/02/2026 | 784 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $8,976.00 | 6.430% | $0.00 | 1.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.28 | No | No | $16,258.60 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124428 | XXXXX | N/A | No | No | $2,272.45 | $2,272.45 | 7.500% | No | No | US Citizen | 1 | $3,438.24 | $3,322.08 | $286.52 | $276.84 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 666 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 3.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 96.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126019 | XXXXX | Non QM | Yes | No | $1,640.00 | $2,041.35 | 6.633% | $16,135.84 | $16,135.84 | 6.625% | No | No | Employed | US Citizen | $23,139.06 | 1 | $45,411.36 | $17,715.72 | $3,784.28 | $1,476.31 | 51.298% | 51.298% | 51.298% | 04/23/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2024 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.370% | $35,000.00 | 1.3 | None | No | No | 6.625% | 2 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 64.180% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 57.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125430 | XXXXX | Non QM | Yes | No | $1,780.00 | $0.00 | 6.373% | $12,028.21 | $12,028.21 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $15,141.14 | 1 | $23,879.40 | $2,208.60 | $1,989.95 | $184.05 | 48.619% | 48.619% | 48.619% | 04/09/2026 | 818 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Non-Primary Income - Interest / Dividends]; Other - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,780.00 | 6.300% | $20,216.48 | 2.7 | None | No | No | 6.375% | 3 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 55.220% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 59.74 | Yes | No | $0.00 | $12,012.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126856 | XXXXX | N/A | No | No | $2,322.45 | $2,322.45 | 7.625% | No | No | US Citizen | 3 | $3,027.48 | $3,849.96 | $252.29 | $320.83 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | XXXXX | XXXXX | 39.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126467 | XXXXX | N/A | No | No | $3,082.14 | $3,082.14 | 7.375% | No | No | US Citizen | US Citizen | 1 | $5,630.76 | $3,753.24 | $469.23 | $312.77 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 48.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127581 | XXXXX | Non QM | Yes | No | $11,425.72 | $13,987.65 | 7.254% | $1,639.33 | $1,639.33 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,995.07 | 1 | $5,304.12 | $801.00 | $442.01 | $66.75 | 53.455% | 53.455% | 53.455% | 03/13/2026 | 755 | No | Yes | 12 | Business | 62.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,425.72 | 6.300% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 63.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.32 | Yes | No | $0.00 | $3,274.27 | No | No | No | No | 2 | 360 | AE | 04/13/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125631 | XXXXX | Non QM | Yes | No | $15,341.42 | $24,269.63 | 7.278% | $7,745.07 | $7,745.07 | 7.125% | No | No | Self-Employed | US Citizen | $41,011.47 | 1 | $8,970.12 | $2,436.00 | $747.51 | $203.00 | 29.614% | 29.614% | 29.614% | 03/31/2026 | 780 | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 1986 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $15,341.42 | 6.370% | $3,000.00 | 1.0 | None | N/A | No | 7.125% | 0 | 1 | 0 | 3 | 1 | 15.93 | No | XXXXX | XXXXX | 17.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 83.38 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126600 | XXXXX | N/A | No | No | $698.47 | $698.47 | 7.875% | No | No | US Citizen | 1 | $2,041.68 | $1,579.56 | $170.14 | $131.63 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126841 | XXXXX | N/A | No | No | $2,393.16 | $2,393.16 | 6.625% | No | No | US Citizen | 1 | $6,816.96 | $1,836.00 | $568.08 | $153.00 | 0.000% | 0.000% | 0.000% | 01/29/2026 | 677 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120583 | XXXXX | N/A | No | No | $3,302.39 | $3,302.39 | 6.990% | No | No | US Citizen | US Citizen | 3 | $13,248.00 | $3,413.04 | $1,104.00 | $284.42 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | XXXXX | XXXXX | 31.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126955 | XXXXX | N/A | No | No | $2,169.37 | $2,169.37 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | $3,381.96 | $1,412.04 | $281.83 | $117.67 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 799 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128441 | XXXXX | N/A | No | No | $636.46 | $636.46 | 5.875% | No | No | 0 | US Citizen | US Citizen | 1 | $972.96 | $1,119.36 | $81.08 | $93.28 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 811 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 145.75 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126601 | XXXXX | N/A | No | No | $697.34 | $697.34 | 7.875% | No | No | US Citizen | 1 | $4,307.40 | $1,818.96 | $358.95 | $151.58 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 686 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127319 | XXXXX | N/A | No | No | $2,837.93 | $2,837.93 | 6.875% | No | No | US Citizen | US Citizen | 1 | $7,599.72 | $2,725.20 | $633.31 | $227.10 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 48.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126612 | XXXXX | Non QM | Yes | No | $3,093.00 | $4,357.82 | 7.350% | $1,071.11 | $1,071.11 | 7.124% | No | No | Self-Employed | US Citizen | $3,555.33 | 1 | $2,350.08 | $1,436.64 | $195.84 | $119.72 | 38.701% | 38.701% | 38.701% | 02/05/2026 | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,093.00 | 6.300% | $0.00 | 2.3 | None | Yes | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125264 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $5,893.46 | $6,587.41 | 7.237% | $1,202.18 | $1,202.18 | 6.875% | No | No | Non-Employment Income | US Citizen | $7,272.20 | 1 | $7,357.80 | $638.04 | $613.15 | $53.17 | 28.876% | 28.876% | 28.876% | 02/18/2026 | 788 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $5,893.46 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 214.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126880 | XXXXX | Non QM | Yes | No | $6,355.00 | $8,440.67 | 8.196% | $1,901.86 | $2,022.29 | 8.139% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $5,932.02 | 1 | $0.00 | $0.00 | $0.00 | $0.00 | 42.723% | 44.908% | 42.723% | 04/10/2026 | 786 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | Yes | XXXXX | $6,355.00 | 6.210% | $0.00 | None | N/A | No | 8.139% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 27.020% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124937 | XXXXX | N/A | No | No | $1,187.96 | $1,187.96 | 7.375% | No | No | US Citizen | 1 | $1,470.12 | $969.96 | $122.51 | $80.83 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 733 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 31.410% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.6 | Yes | 18.000% | 10 | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124543 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,548.51 | 6.670% | $8,298.43 | $8,298.43 | 6.625% | No | No | Self-Employed | US Citizen | $34,012.35 | 1 | $19,703.28 | $9,097.92 | $1,641.94 | $758.16 | 32.108% | 32.108% | 32.108% | 04/06/2026 | 801 | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $0.00 | 3.9 | None | Yes | No | 6.625% | 3 | 2 | 0 | 3 | 2 | No | XXXXX | XXXXX | 57.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 53.89 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125567 | XXXXX | Non QM | Yes | No | $1,940.00 | $3,170.08 | 6.697% | $2,599.66 | $2,599.66 | 6.625% | No | No | Non-Employment Income | US Citizen | $2,592.71 | 1 | $6,343.80 | $1,555.80 | $528.65 | $129.65 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 796 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,940.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 279.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122671 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,778.82 | 6.766% | $13,507.06 | $13,507.06 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $47,060.81 | 1 | $35,830.56 | $12,465.96 | $2,985.88 | $1,038.83 | 35.815% | 35.815% | 35.815% | 01/28/2026 | 750 | No | Yes | 12 | Business | 48.000% | 100.000% | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 3.0 | None | No | No | 6.750% | 1 | 0 | 1 | 0 | 3 | 1 | 12 | 0.00 | No | XXXXX | XXXXX | 13.700% | No | 13 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.21 | Yes | No | $34,986.82 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126599 | XXXXX | N/A | No | No | $601.79 | $601.79 | 7.750% | No | No | US Citizen | 1 | $1,166.04 | $1,247.52 | $97.17 | $103.96 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | XXXXX | XXXXX | 2.380% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 25.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126848 | XXXXX | N/A | No | No | $3,350.34 | $3,350.34 | 6.875% | No | No | US Citizen | 1 | $6,536.76 | $1,211.16 | $544.73 | $100.93 | 0.000% | 0.000% | 0.000% | 03/22/2026 | 725 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 51.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 39.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122218 | XXXXX | N/A | No | No | $2,465.00 | $5,781.60 | 6.644% | $9,655.89 | $9,655.89 | 6.625% | No | No | Employed | US Citizen | $44,130.74 | 1 | $25,509.12 | $1,879.80 | $2,125.76 | $156.65 | 48.733% | 48.733% | 48.733% | 03/09/2026 | 764 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.120% | $0.00 | 1.0 | None | No | No | 6.625% | 3 | 2 | 0 | 3 | 1 | 0.00 | No | 60 | XXXXX | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 163.27 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127455 | XXXXX | Non QM | Yes | No | $11,685.00 | $18,534.36 | 6.522% | $5,764.56 | $5,764.56 | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $21,897.43 | 1 | $16,500.00 | $3,286.92 | $1,375.00 | $273.91 | 42.712% | 42.712% | 42.712% | 04/14/2026 | 754 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,685.00 | 6.260% | $0.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 15.00 | No | XXXXX | XXXXX | 11.290% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.01 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123711 | XXXXX | Non QM | Yes | No | $2,270.00 | $16,747.76 | 6.494% | $7,686.08 | $7,686.08 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,422.25 | 1 | $12,432.96 | $3,577.20 | $1,036.08 | $298.10 | 45.593% | 45.593% | 45.593% | 03/26/2026 | 781 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.430% | $0.00 | 3.0 | None | No | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 93.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 121.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000119095 | XXXXX | Non QM | Yes | No | $4,480.00 | $6,432.19 | 6.800% | $6,485.97 | $6,485.97 | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $9,317.98 | 1 | $12,564.00 | $3,405.48 | $1,047.00 | $283.79 | 52.055% | 52.055% | 52.055% | 02/27/2026 | 710 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $4,480.00 | 5.990% | $9,525.00 | 1.2 | None | N/A | No | 6.750% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | Other | XXXXX | XXXXX | 83.750% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.87 | No | No | $551.75 | $8,750.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125310 | XXXXX | N/A | No | No | $2,812.50 | $2,812.50 | 6.750% | No | No | US Citizen | 1 | $24,387.00 | $3,191.04 | $2,032.25 | $265.92 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 94.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126135 | XXXXX | N/A | No | No | $28,450.00 | $11,957.45 | 8.013% | $9,969.72 | $9,969.72 | 7.990% | No | No | Self-Employed | US Citizen | $457,560.61 | 1 | $5,375.76 | $10,301.88 | $447.98 | $858.49 | 11.465% | 11.465% | 11.465% | 04/17/2026 | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $28,450.00 | 6.370% | $0.00 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 35.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.39 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127756 | XXXXX | N/A | No | No | $5,681.12 | $5,681.12 | 7.500% | No | No | US Citizen | 1 | $3,231.72 | $1,884.00 | $269.31 | $157.00 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.47 | 2.11 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 22.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123859 | XXXXX | N/A | No | No | $3,941.25 | $3,941.25 | 7.125% | No | No | US Citizen | 1 | $3,007.32 | $1,514.04 | $250.61 | $126.17 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 817 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXXX | XXXXX | 62.220% | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122731 | XXXXX | Non QM | Yes | No | $1,998.60 | $4,997.43 | 7.050% | $1,445.24 | $1,445.24 | 6.875% | No | No | Non-Employment Income | US Citizen | $7,926.62 | 1 | $6,180.24 | $1,907.40 | $515.02 | $158.95 | 23.811% | 23.811% | 23.811% | 03/09/2026 | 705 | Yes | No | [Borrower - |
Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,998.60 | 6.300% | $0.00 | 2.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 540.68 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127753 | XXXXX | N/A | No | No | $978.90 | $978.90 | 7.500% | No | No | US Citizen | 1 | $3,034.92 | $983.76 | $252.91 | $81.98 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 41.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126907 | XXXXX | N/A | No | No | $2,541.11 | $2,541.11 | 7.250% | No | No | US Citizen | 1 | $5,075.40 | $766.32 | $422.95 | $63.86 | 0.000% | 0.000% | 0.000% | 05/05/2026 | 682 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 80.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125726 | XXXXX | Non QM | Yes | No | $11,420.00 | $16,329.37 | 6.811% | $5,762.80 | $5,762.80 | 6.625% | No | No | Employed | Permanent Resident Alien | $9,518.37 | 1 | $18,750.00 | $0.00 | $1,562.50 | $0.00 | 48.317% | 48.317% | 48.317% | 04/06/2026 | 791 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $11,420.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 5.700% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 5.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124488 | XXXXX | N/A | No | No | $888.77 | $888.77 | 7.125% | No | No | US Citizen | 1 | $1,510.08 | $872.04 | $125.84 | $72.67 | 0.000% | 0.000% | 0.000% | 02/17/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 297.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125512 | XXXXX | Non QM | Yes | No | $3,895.00 | $9,750.21 | 6.509% | $3,318.99 | $3,318.99 | 6.375% | No | No | Employed | US Citizen | $7,818.85 | 1 | $9,500.04 | $1,091.64 | $791.67 | $90.97 | 41.657% | 41.657% | 41.657% | 03/04/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,895.00 | 6.370% | $0.00 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 3.080% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124742 | XXXXX | Non QM | Yes | No | $8,778.35 | $10,822.34 | 8.369% | $1,544.40 | $1,544.40 | 7.875% | No | No | Self-Employed | US Citizen | $11,514.03 | 1 | $3,263.76 | $1,958.04 | $271.98 | $163.17 | 18.123% | 18.123% | 18.123% | 03/01/2026 | 808 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $8,778.35 | 6.430% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125422 | XXXXX | N/A | No | No | $2,382.83 | $2,382.83 | 7.375% | No | No | US Citizen | 2 | $8,887.20 | $1,494.96 | $740.60 | $124.58 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | XXXXX | XXXXX | 51.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128802 | XXXXX | N/A | No | No | $2,736.06 | $2,736.06 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $4,922.88 | $1,302.72 | $410.24 | $108.56 | 0.000% | 0.000% | 0.000% | 03/13/2026 | 737 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 93.53 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128206 | XXXXX | N/A | No | No | $3,991.81 | $3,991.81 | 7.000% | No | No | US Citizen | 1 | $16,125.00 | $1,881.96 | $1,343.75 | $156.83 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | XXXXX | XXXXX | 95.440% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125550 | XXXXX | N/A | No | No | $543.80 | $543.80 | 7.875% | No | No | US Citizen | 1 | $1,843.08 | $1,298.04 | $153.59 | $108.17 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 699 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.58 | XXXXX | XXXXX | 36.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124513 | XXXXX | N/A | No | No | $1,327.11 | $1,327.11 | 7.625% | No | No | US Citizen | 2 | $6,812.28 | $1,221.00 | $567.69 | $101.75 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 32.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127970 | XXXXX | N/A | No | No | $2,093.64 | $2,093.64 | 7.875% | No | No | 0 | Non-Permanent Resident Alien | US Citizen | 1 | $4,359.96 | $1,322.04 | $363.33 | $110.17 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 737 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 7.790% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124848 | XXXXX | Non QM | Yes | No | $3,141.76 | $7,265.81 | 7.187% | $2,022.52 | $2,022.52 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $6,805.88 | 1 | $9,123.60 | $2,764.44 | $760.30 | $230.37 | 47.574% | 47.574% | 47.574% | 04/06/2026 | 769 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,141.76 | 6.430% | $0.00 | 1.7 | None | Yes | No | 7.000% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 66.010% | No | 16 | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 49.46 | Yes | No | $0.00 | $2,315.11 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121757 | XXXXX | N/A | No | No | $8,140.00 | $8,023.16 | 7.790% | $8,531.25 | $8,531.25 | 7.875% | No | No | Self-Employed | US Citizen | $122,668.11 | 1 | $7,815.00 | $2,456.04 | $651.25 | $204.67 | 30.671% | 31.896% | 31.938% | 02/21/2026 | 736 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $8,140.00 | 6.140% | $0.00 | 2.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.58 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123492 | XXXXX | Non QM | Yes | No | $7,670.00 | $9,815.75 | 6.759% | $1,397.47 | $1,397.47 | 6.375% | No | No | Non-Employment Income | US Citizen | $3,167.36 | 1 | $4,584.12 | $383.52 | $382.01 | $31.96 | 46.967% | 46.967% | 46.967% | 03/18/2026 | 760 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $7,670.00 | 6.220% | $0.00 | 2.7 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 259.89 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126854 | XXXXX | N/A | No | No | $6,257.25 | $6,257.25 | 6.875% | No | No | US Citizen | 3 | $27,084.00 | $5,820.00 | $2,257.00 | $485.00 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127287 | XXXXX | N/A | No | No | $5,343.75 | $5,343.75 | 6.750% | No | No | US Citizen | 2 | $9,379.68 | $16,131.00 | $781.64 | $1,344.25 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.98 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 353.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126382 | XXXXX | Non QM | Yes | No | $13,375.00 | $14,810.63 | 7.055% | $2,788.97 | $2,788.97 | 6.750% | No | No | Self-Employed | US Citizen | $6,365.31 | 1 | $3,979.20 | $1,424.40 | $331.60 | $118.70 | 33.926% | 33.926% | 33.926% | 04/17/2025 | 714 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $13,375.00 | 6.370% | $0.00 | 1.4 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000385 | XXXXX | Non QM | Yes | No | $2,895.00 | $8,374.25 | 7.915% | $7,250.69 | $7,250.69 | 7.875% | No | No | Self-Employed | US Citizen | $61,021.59 | 1 | $2,832.00 | $8,067.48 | $236.00 | $672.29 | 19.226% | 19.226% | 19.226% | 01/14/2026 | 674 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | 0 | No | XXXXX | $2,895.00 | 6.320% | $0.00 | 5.0 | None | No | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 173.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124469 | XXXXX | N/A | No | No | $9,786.90 | $1,988.52 | 6.835% | $1,391.62 | $1,391.62 | 6.625% | No | No | Employed | US Citizen | $74,134.33 | 1 | $4,214.28 | $1,532.04 | $351.19 | $127.67 | 34.530% | 34.530% | 34.530% | 03/25/2026 | 775 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $9,786.90 | 5.890% | $0.00 | 5.0 | None | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.91 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125004 | XXXXX | Non QM | Yes | No | $3,870.00 | $5,588.28 | 6.642% | $1,826.68 | $1,826.68 | 6.500% | No | No | Employed | US Citizen | $4,318.35 | 1 | $10,591.56 | $3,650.04 | $882.63 | $304.17 | 42.422% | 42.422% | 42.422% | 04/09/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $3,870.00 | 6.430% | $4,500.00 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.740% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126648 | XXXXX | N/A | No | No | $869.12 | $869.12 | 6.750% | No | No | Permanent Resident Alien | 1 | $4,134.60 | $1,939.44 | $344.55 | $161.62 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.55 | XXXXX | XXXXX | 61.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127383 | XXXXX | Non QM | Yes | No | $5,521.90 | $8,061.90 | 6.935% | $2,257.12 | $2,257.12 | 6.750% | No | No | Employed | Permanent Resident Alien | $4,899.97 | 1 | $3,978.96 | $1,119.96 | $331.58 | $93.33 | 36.824% | 36.824% | 36.824% | 03/12/2026 | 730 | No | No | [Borrower - |
Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,521.90 | 6.260% | $7,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 7.740% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 9.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125510 | XXXXX | Non QM | Yes | No | $1,570.00 | $4,182.48 | 6.902% | $4,086.10 | $4,086.10 | 6.875% | No | No | Employed | US Citizen | $8,236.71 | 1 | $10,982.40 | $2,232.60 | $915.20 | $186.05 | 38.642% | 38.642% | 38.642% | 04/01/2026 | 814 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $1,570.00 | 6.700% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.18 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126403 | XXXXX | Non QM | Yes | No | $2,485.00 | $7,255.65 | 7.308% | $1,871.61 | $2,126.30 | 7.639% | No | No | Employed | US Citizen | $5,299.05 | 1 | $9,562.56 | $1,800.96 | $796.88 | $150.08 | 42.556% | 43.729% | 42.556% | 04/17/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,485.00 | 6.210% | $0.00 | 1.0 | None | N/A | No | 7.639% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 76.170% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.87 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126448 | XXXXX | N/A | No | No | $591.01 | $591.01 | 7.625% | No | No | US Citizen | 1 | $3,339.48 | $1,460.40 | $278.29 | $121.70 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126414 | XXXXX | Non QM | Yes | No | $2,565.00 | $25,089.75 | 7.886% | $16,214.95 | $19,478.21 | 8.644% | No | No | Self-Employed | US Citizen | $101,666.76 | 1 | $58,235.04 | $1,104.96 | $4,852.92 | $92.08 | 23.743% | 23.605% | 23.743% | 02/14/2026 | 660 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.210% | $0.00 | None | N/A | No | 8.644% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 37.340% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127783 | XXXXX | N/A | No | No | $2,496.33 | $2,496.33 | 6.875% | No | No | US Citizen | 1 | $5,137.92 | $1,380.00 | $428.16 | $115.00 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126241 | XXXXX | N/A | No | No | $3,181.43 | $3,181.43 | 7.500% | No | No | US Citizen | 1 | $7,726.80 | $1,688.04 | $643.90 | $140.67 | 0.000% | 0.000% | 0.000% | 02/10/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123869 | XXXXX | Non QM | Yes | No | $3,705.00 | $6,859.76 | 7.847% | $1,258.59 | $1,258.59 | 7.500% | No | No | Employed | US Citizen | $6,183.12 | 1 | $2,999.28 | $462.96 | $249.94 | $38.58 | 26.288% | 26.288% | 26.288% | 03/07/2026 | 759 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,705.00 | 6.430% | $0.00 | 1.0 | None | N/A | No | 7.500% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 40.540% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125603 | XXXXX | Non QM | Yes | No | $15,913.50 | $21,021.78 | 7.959% | $6,179.06 | $6,179.06 | 7.750% | No | No | Self-Employed | US Citizen | $18,032.29 | 1 | $19,594.92 | $7,704.00 | $1,632.91 | $642.00 | 39.905% | 39.905% | 39.905% | 03/03/2026 | 763 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $15,913.50 | 6.370% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | 04/29/2027 | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126902 | XXXXX | N/A | No | No | $900.47 | $900.47 | 7.250% | No | No | US Citizen | 1 | $1,525.56 | $1,005.00 | $127.13 | $83.75 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 719 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.31 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126960 | XXXXX | N/A | No | No | $607.79 | $607.79 | 7.375% | No | No | US Citizen | 1 | $1,200.96 | $1,163.04 | $100.08 | $96.92 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 144.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125596 | XXXXX | N/A | No | No | $2,018.22 | $2,018.22 | 6.375% | No | No | US Citizen | 1 | $4,290.48 | $1,154.04 | $357.54 | $96.17 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.6 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125753 | XXXXX | N/A | No | No | $531.40 | $531.40 | 7.500% | No | No | US Citizen | 1 | $1,037.28 | $936.48 | $86.44 | $78.04 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | XXXXX | 46.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125864 | XXXXX | N/A | No | No | $1,610.23 | $1,610.23 | 7.625% | No | No | US Citizen | US Citizen | 1 | $5,928.12 | $2,418.00 | $494.01 | $201.50 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | 43.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124051 | XXXXX | N/A | No | No | $1,333.57 | $1,333.57 | 6.875% | No | No | US Citizen | 1 | $2,224.32 | $705.00 | $185.36 | $58.75 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 692 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 3.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128824 | XXXXX | N/A | No | No | $2,923.33 | $2,923.33 | 6.875% | No | No | US Citizen | 1 | $5,644.08 | $771.00 | $470.34 | $64.25 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.05 | XXXXX | XXXXX | 11.910% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.1 | Yes | 15.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124610 | XXXXX | N/A | No | No | $2,958.08 | $2,958.08 | 6.500% | No | No | US Citizen | 2 | $7,783.68 | $2,064.96 | $648.64 | $172.08 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | XXXXX | 43.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127749 | XXXXX | Non QM | Yes | No | $2,620.00 | $3,165.19 | 6.752% | $4,961.78 | $4,961.78 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | China | $10,680.45 | 1 | $12,679.44 | $903.12 | $1,056.62 | $75.26 | 40.813% | 40.813% | 40.813% | 03/18/2026 | 743 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $2,620.00 | 6.260% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 27.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 0.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126889 | XXXXX | N/A | No | No | $1,566.79 | $1,566.79 | 7.000% | No | No | US Citizen | 1 | $3,039.48 | $849.96 | $253.29 | $70.83 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 690 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO 9 | Other | FICO 9 | No | 13.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126545 | XXXXX | N/A | No | No | $1,067.17 | $1,067.17 | 7.125% | No | No | US Citizen | 1 | $4,771.68 | $1,052.04 | $397.64 | $87.67 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 89.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122755 | XXXXX | N/A | No | No | $1,533.30 | $1,533.30 | 7.375% | No | No | US Citizen | 1 | $6,714.00 | $7,311.00 | $559.50 | $609.25 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 666 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128289 | XXXXX | N/A | No | No | $1,946.01 | $1,946.01 | 7.000% | No | No | US Citizen | US Citizen | 1 | $4,692.72 | $1,346.04 | $391.06 | $112.17 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125710 | XXXXX | N/A | No | No | $3,157.05 | $3,157.05 | 6.750% | No | No | US Citizen | US Citizen | 1 | $2,621.76 | $2,619.96 | $218.48 | $218.33 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | XXXXX | 41.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122971 | XXXXX | Non QM | Yes | No | $40,040.00 | $48,868.45 | 6.076% | $11,357.53 | $11,357.53 | 5.875% | No | No | Non-Employment Income | US Citizen | $32,402.39 | 1 | $17,917.80 | $0.00 | $1,493.15 | $0.00 | 31.253% | 31.253% | 31.253% | 03/25/2026 | 807 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $40,040.00 | 6.220% | $5,000.00 | 2.1 | None | Yes | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 301.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127503 | XXXXX | N/A | No | No | $1,227.92 | $1,227.92 | 7.250% | No | No | US Citizen | 1 | $2,657.04 | $887.04 | $221.42 | $73.92 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 773 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXXX | XXXXX | 29.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125049 | XXXXX | N/A | No | No | $2,302.34 | $2,302.34 | 7.250% | No | No | US Citizen | US Citizen | 1 | $5,877.60 | $2,450.28 | $489.80 | $204.19 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | 56.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 40.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126122 | XXXXX | Non QM | Yes | No | $5,870.00 | $6,941.02 | 6.727% | $1,091.77 | $1,091.77 | 6.375% | No | No | Employed | US Citizen | $4,258.48 | 1 | $10,727.04 | $2,124.00 | $893.92 | $177.00 | 46.769% | 46.769% | 46.769% | 04/14/2026 | 732 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $5,870.00 | 6.370% | $53,100.00 | 2.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 17.820% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125617 | XXXXX | Non QM | Yes | No | $232.37 | $5,475.99 | 6.507% | $6,890.17 | $6,890.17 | 6.500% | No | No | Non-Employment Income | US Citizen | $3,547.57 | 1 | $8,417.64 | $3,132.00 | $701.47 | $261.00 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 791 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $232.37 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 86.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 130.42 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126957 | XXXXX | Non QM | Yes | No | $4,930.00 | $7,870.90 | 6.980% | $3,599.97 | $3,599.97 | 6.875% | No | No | Non-Employment Income | US Citizen | $6,351.65 | 1 | $8,143.20 | $2,919.96 | $678.60 | $243.33 | 42.039% | 42.039% | 42.039% | 03/13/2026 | 789 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | Yes | XXXXX | $4,930.00 | 6.300% | $0.00 | 1.9 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 232.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126024 | XXXXX | Non QM | Yes | No | $3,797.48 | $5,561.44 | 6.813% | $1,511.13 | $1,511.13 | 6.625% | No | No | Non-Employment Income | US Citizen | $4,048.49 | 1 | $7,767.96 | $1,262.16 | $647.33 | $105.18 | 46.745% | 46.745% | 46.745% | 04/16/2026 | 761 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,797.48 | 6.370% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 270.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126394 | XXXXX | N/A | No | No | $521.44 | $521.44 | 7.000% | No | No | US Citizen | 1 | $1,257.12 | $852.24 | $104.76 | $71.02 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.55 | XXXXX | XXXXX | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126867 | XXXXX | N/A | No | No | $755.21 | $755.21 | 7.250% | No | No | US Citizen | 1 | $4,636.80 | $1,460.04 | $386.40 | $121.67 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.59 | 360 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128266 | XXXXX | N/A | No | No | $979.71 | $979.71 | 6.500% | No | No | US Citizen | 1 | $8,044.20 | $4,404.00 | $670.35 | $367.00 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 665 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 62.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124654 | XXXXX | N/A | No | No | $4,353.99 | $4,353.99 | 7.250% | No | No | US Citizen | 1 | $22,119.96 | $3,525.96 | $1,843.33 | $293.83 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.3 | XXXXX | XXXXX | 30.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127573 | XXXXX | Non QM | Yes | No | $9,475.80 | $8,803.12 | 7.647% | $1,413.47 | $1,413.47 | 7.250% | No | No | Employed | US Citizen | $2,307.11 | 1 | $2,053.20 | $1,767.96 | $171.10 | $147.33 | 54.928% | 54.928% | 54.928% | 03/31/2026 | 754 | No | Yes | 12 | Business | 85.000% | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,475.80 | 6.320% | $9,000.00 | 1.0 | None | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 18.920% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125123 | XXXXX | N/A | No | No | $6,737.60 | $6,737.60 | 8.625% | No | No | US Citizen | 1 | $22,023.00 | $2,340.00 | $1,835.25 | $195.00 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | 46.370% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127873 | XXXXX | N/A | No | No | $2,459.07 | $2,459.07 | 7.125% | No | No | US Citizen | 1 | $11,577.60 | $1,735.44 | $964.80 | $144.62 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 703 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 67.190% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 33.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127511 | XXXXX | N/A | No | No | $2,351.99 | $2,351.99 | 6.500% | No | No | US Citizen | 1 | $7,590.12 | $1,159.68 | $632.51 | $96.64 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.21 | XXXXX | XXXXX | 96.620% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 68.22 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125549 | XXXXX | N/A | No | No | $630.44 | $630.44 | 7.750% | No | No | US Citizen | 1 | $1,122.96 | $879.00 | $93.58 | $73.25 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | XXXXX | 33.530% | No | Yes | Short Form | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128290 | XXXXX | N/A | No | No | $1,185.17 | $1,185.17 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | $6,727.20 | $1,048.44 | $560.60 | $87.37 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 781 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | XXXXX | XXXXX | 0.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125978 | XXXXX | N/A | No | No | $1,560.76 | $1,560.76 | 6.625% | No | No | US Citizen | 2 | $4,336.80 | $3,654.96 | $361.40 | $304.58 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 70.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126721 | XXXXX | Non QM | Yes | No | $1,550.00 | $6,547.50 | 6.267% | $7,619.50 | $7,619.50 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $19,089.01 | 1 | $22,512.00 | $2,760.96 | $1,876.00 | $230.08 | 39.713% | 39.713% | 39.713% | 04/15/2026 | 803 | No | Yes | 12 | Business | 97.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,550.00 | 6.300% | $0.00 | 2.6 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 34.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 52.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127167 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,936.09 | 6.513% | $12,186.27 | $12,186.27 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $17,609.97 | 2 | $30,125.04 | $3,343.80 | $2,510.42 | $278.65 | 49.612% | 49.612% | 49.612% | 04/29/2026 | 782 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.300% | $20,000.00 | None | N/A | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 30.390% | No | 28 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 16.41 | No | No | $0.00 | $6,821.21 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127936 | XXXXX | Non QM | Yes | No | $15,595.00 | $20,273.71 | 6.498% | $4,310.02 | $4,310.02 | 6.250% | No | No | Self-Employed | Permanent Resident Alien | $6,168.78 | 1 | $3,473.16 | $3,146.04 | $289.43 | $262.17 | 44.252% | 44.252% | 44.252% | 04/06/2026 | 797 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $15,595.00 | 6.260% | $218,000.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 15.00 | No | XXXXX | XXXXX | 21.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 10.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125910 | XXXXX | N/A | No | No | $2,187.40 | $2,187.40 | 6.125% | No | No | US Citizen | 2 | $5,580.00 | $2,686.80 | $465.00 | $223.90 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126332 | XXXXX | Non QM | Yes | No | $6,810.00 | $9,005.34 | 7.177% | $1,708.01 | $1,708.01 | 6.875% | No | No | Employed | US Citizen | $7,612.42 | 1 | $4,177.68 | $857.04 | $348.14 | $71.42 | 23.876% | 23.876% | 23.876% | 04/08/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,810.00 | 6.300% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 0.760% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 2.78 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124108 | XXXXX | N/A | No | No | $1,640.00 | $7,584.49 | 7.267% | $8,791.89 | $8,791.89 | 7.250% | No | No | Employed | US Citizen | $7,488.42 | 1 | $12,705.48 | $4,871.04 | $1,058.79 | $405.92 | 48.087% | 48.087% | 48.087% | 04/07/2026 | 795 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $0.00 | 3.6 | None | No | No | 7.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 51.410% | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 112.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126085 | XXXXX | N/A | No | No | $1,235.03 | $1,235.03 | 6.875% | No | No | US Citizen | 1 | $2,901.00 | $727.68 | $241.75 | $60.64 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | XXXXX | 13.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123969 | XXXXX | N/A | No | No | $2,465.00 | $5,234.45 | 6.917% | $7,771.68 | $7,771.68 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $19,526.74 | 1 | $18,484.92 | $1,426.56 | $1,540.41 | $118.88 | 44.724% | 44.724% | 44.724% | 02/20/2026 | 820 | Yes | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.430% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 1 | 0 | 4 | 1 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 231.04 | No | No | $33,158.25 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126660 | XXXXX | N/A | No | No | $1,809.62 | $1,809.62 | 7.000% | No | No | US Citizen | 1 | $4,134.48 | $1,296.00 | $344.54 | $108.00 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 27.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125199 | XXXXX | Non QM | Yes | No | $11,685.63 | $13,324.22 | 6.983% | $2,161.05 | $2,161.05 | 6.625% | No | No | Self-Employed | US Citizen | $11,214.43 | 1 | $7,502.16 | $1,485.00 | $625.18 | $123.75 | 30.554% | 30.554% | 30.554% | 03/26/2026 | 805 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $11,685.63 | 6.430% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 44.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123884 | XXXXX | N/A | No | No | $4,233.74 | $4,233.74 | 7.500% | No | No | US Citizen | 3 | $10,812.48 | $4,442.64 | $901.04 | $370.22 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 90.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126862 | XXXXX | N/A | No | No | $657.52 | $657.52 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $1,389.60 | $3,114.00 | $115.80 | $259.50 | 0.000% | 0.000% | 0.000% | 01/31/2026 | 780 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 75.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126398 | XXXXX | Non QM | Yes | No | $6,946.40 | $10,352.55 | 6.405% | $3,250.99 | $3,250.99 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $10,091.99 | 1 | $15,125.04 | $2,665.68 | $1,260.42 | $222.14 | 33.035% | 33.035% | 33.035% | 04/24/2026 | 812 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,946.40 | 6.300% | $350,000.00 | 1.0 | None | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.280% | No | 28 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 100.49 | Yes | No | $0.00 | $6,192.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125431 | XXXXX | Non QM | Yes | No | $1,640.00 | $15,668.21 | 6.508% | $18,958.33 | $22,122.38 | 6.500% | No | No | Self-Employed | US Citizen | $133,016.19 | 1 | $83,317.20 | $9,174.72 | $6,943.10 | $764.56 | 33.999% | 32.429% | 33.999% | 02/16/2026 | 739 | No | Yes | 36 | Business | 100.000% | 96.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 96.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 85.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | No | XXXXX | $1,640.00 | 6.370% | $0.00 | 1.1 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 360 | XXXXX | XXXXX | 46.580% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 118.83 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127755 | XXXXX | N/A | No | No | $2,027.89 | $2,027.89 | 7.125% | No | No | US Citizen | 1 | $11,252.16 | $608.04 | $937.68 | $50.67 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.05 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 185.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127247 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $17,074.98 | $21,799.25 | 6.893% | $4,405.33 | $4,405.33 | 6.625% | No | No | Self-Employed | US Citizen | $14,574.95 | 1 | $13,769.04 | $2,927.04 | $1,147.42 | $243.92 | 46.967% | 46.967% | 46.967% | 03/04/2026 | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank
Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $17,074.98 | 6.300% | $55,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 21.120% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.51 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126298 | XXXXX | N/A | No | No | $607.79 | $607.79 | 7.375% | No | No | US Citizen | 1 | $1,457.88 | $1,122.96 | $121.49 | $93.58 | 0.000% | 0.000% | 0.000% | 04/04/2026 | 805 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124455 | XXXXX | N/A | No | No | $1,248.93 | $1,248.93 | 7.875% | No | No | US Citizen | 1 | $1,423.32 | $2,175.00 | $118.61 | $181.25 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.4 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 105.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126187 | XXXXX | Non QM | Yes | No | $1,595.00 | $3,726.66 | 6.907% | $3,783.38 | $3,783.38 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $47,655.31 | 1 | $13,317.96 | $1,839.96 | $1,109.83 | $153.33 | 16.516% | 16.516% | 16.516% | 04/22/2026 | 808 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.300% | $0.00 | 3.2 | None | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 39.620% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.29 | Yes | No | $0.00 | $39,583.34 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127571 | XXXXX | N/A | No | No | $1,398.43 | $1,398.43 | 7.500% | No | No | US Citizen | 1 | $2,488.08 | $1,457.40 | $207.34 | $121.45 | 0.000% | 0.000% | 0.000% | 04/25/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 391.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126735 | XXXXX | N/A | No | No | $1,182.47 | $1,182.47 | 6.875% | No | No | US Citizen | 1 | $2,196.24 | $1,016.04 | $183.02 | $84.67 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 482.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127225 | XXXXX | Non QM | Yes | No | $9,009.00 | $14,206.42 | 6.696% | $3,839.81 | $3,839.81 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | China | $13,148.75 | 1 | $16,102.20 | $1,194.00 | $1,341.85 | $99.50 | 30.374% | 30.374% | 30.374% | 04/13/2026 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $9,009.00 | 6.300% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 4.890% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 8.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126512 | XXXXX | N/A | No | No | $1,930.88 | $1,930.88 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | $3,230.40 | $4,194.00 | $269.20 | $349.50 | 0.000% | 0.000% | 0.000% | 791 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.9 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 207.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124763 | XXXXX | N/A | No | No | $1,067.56 | $1,067.56 | 8.410% | No | No | US Citizen | 1 | $3,848.88 | $1,646.04 | $320.74 | $137.17 | 0.000% | 0.000% | 0.000% | 01/24/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 8.410% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | XXXXX | XXXXX | 84.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127703 | XXXXX | N/A | No | No | $1,796.47 | $1,796.47 | 7.125% | No | No | US Citizen | 1 | $8,516.28 | $567.00 | $709.69 | $47.25 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 215.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127122 | XXXXX | Non QM | Yes | No | $1,740.00 | $8,678.42 | 6.525% | $8,627.73 | $8,627.73 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,426.43 | 1 | $13,799.28 | $2,171.04 | $1,149.94 | $180.92 | 0.000% | 0.000% | 0.000% | 04/23/2026 | 808 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | No | XXXXX | $1,740.00 | 6.300% | $0.00 | 3.3 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 188.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125953 | XXXXX | N/A | No | No | $1,270.84 | $1,270.84 | 7.375% | No | No | US Citizen | 1 | $5,808.84 | $962.04 | $484.07 | $80.17 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 83.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127737 | XXXXX | N/A | No | No | $2,615.87 | $2,615.87 | 6.500% | No | No | Permanent Resident Alien | 1 | $2,217.48 | $1,614.00 | $184.79 | $134.50 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | 240 | XXXXX | XXXXX | 92.560% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 135.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000461 | XXXXX | N/A | No | No | $2,150.08 | $2,150.08 | 7.500% | No | No | US Citizen | 2 | $4,143.36 | $1,113.48 | $345.28 | $92.79 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 774 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 424.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128019 | XXXXX | N/A | No | No | $4,469.79 | $4,469.79 | 7.375% | No | No | Permanent Resident Alien | 2 | $12,779.04 | $1,460.64 | $1,064.92 | $121.72 | 0.000% | 0.000% | 0.000% | 05/07/2026 | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.29 | XXXXX | XXXXX | 16.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125090 | XXXXX | Non QM | Yes | No | $8,751.00 | $2,897.54 | 6.888% | $4,719.38 | $4,719.38 | 6.875% | No | No | Self-Employed | US Citizen | $11,515.55 | 1 | $11,225.04 | $1,195.80 | $935.42 | $99.65 | 34.302% | 34.302% | 34.302% | 04/06/2026 | 773 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $8,751.00 | 6.430% | $15,000.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 16.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125314 | XXXXX | N/A | No | No | $1,692.72 | $1,692.72 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 2 | $4,197.84 | $3,795.96 | $349.82 | $316.33 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 773 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Guarantor - Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.65 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125318 | XXXXX | N/A | No | No | $1,712.93 | $1,712.93 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 2 | $3,561.36 | $4,197.84 | $296.78 | $349.82 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 773 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.89 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125340 | XXXXX | N/A | No | No | $6,433.59 | $6,433.59 | 7.625% | No | No | US Citizen | 1 | $14,877.48 | $2,567.16 | $1,239.79 | $213.93 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 125.71 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127504 | XXXXX | Non QM | Yes | No | $10,465.82 | $12,728.03 | 7.271% | $1,494.73 | $1,494.73 | 6.750% | No | No | Self-Employed | US Citizen | $5,944.82 | 1 | $9,503.28 | $1,283.04 | $791.94 | $106.92 | 30.061% | 30.061% | 30.061% | 04/08/2026 | 807 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $10,465.82 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 70.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123195 | XXXXX | Non QM | Yes | No | $3,278.20 | $3,668.73 | 7.058% | $4,457.53 | $4,457.53 | 7.000% | No | No | Self-Employed | US Citizen | $6,863.48 | 1 | $16,731.96 | $9,049.80 | $1,394.33 | $754.15 | 49.289% | 49.289% | 49.289% | 03/24/2026 | 783 | Yes | No | [Borrower - |
Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | Yes | XXXXX | $3,278.20 | 6.220% | $0.00 | 2.6 | None | Yes | No | 7.000% | 0 | 1 | 0 | 4 | 2 | No | 60 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128102 | XXXXX | N/A | No | No | $1,048.82 | $1,048.82 | 7.500% | No | No | US Citizen | 1 | $2,750.28 | $1,484.28 | $229.19 | $123.69 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 714 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.54 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128021 | XXXXX | N/A | No | No | $4,241.66 | $4,241.66 | 7.875% | No | No | US Citizen | 1 | $10,640.40 | $5,795.28 | $886.70 | $482.94 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.17 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124729 | XXXXX | N/A | No | No | $25,085.32 | $22,783.83 | 6.867% | $7,132.50 | $7,132.50 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,651.47 | 1 | $21,752.76 | $4,209.00 | $1,812.73 | $350.75 | 49.895% | 49.895% | 55.563% | 04/13/2026 | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $25,085.32 | 6.260% | $15,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 360 | XXXXX | XXXXX | 31.970% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 25.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125679 | XXXXX | Non QM | Yes | No | $1,029.94 | $5,284.55 | 6.716% | $2,556.12 | $2,556.12 | 6.625% | No | No | Non-Employment Income | Employed | Employed | Not Employed | 7.06 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $14,932.08 | 1 | $2,639.52 | $750.24 | $219.96 | $62.52 | 45.380% | 45.380% | 45.380% | 04/08/2026 | 761 | 739 | 769 | 761 | 766 | 787 | 778 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - Social Security]; Award Letter / Continuance Letter -
2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,029.94 | 6.370% | $0.00 | 2.9 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.000% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.17 | No | No | $5,245.00 | $17,457.94 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127951 | XXXXX | Non QM | Yes | No | $5,420.12 | $14,392.37 | 6.466% | $7,211.94 | $7,211.94 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $20,510.18 | 1 | $15,963.24 | $4,422.00 | $1,330.27 | $368.50 | 43.109% | 43.109% | 43.109% | 04/13/2026 | 806 | No | No | [Borrower - |
Primary Income - Projected Income]; Employment Contract - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,420.12 | 6.260% | $2,600.00 | 2.3 | None | Yes | No | 6.375% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 94.240% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 117.18 | Yes | No | $0.00 | $17,718.50 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126316 | XXXXX | Non QM | Yes | No | $1,595.00 | $6,544.47 | 6.390% | $8,908.86 | $8,908.86 | 6.375% | No | No | Non-Employment Income | US Citizen | $11,932.38 | 1 | $9,286.20 | $2,607.12 | $773.85 | $217.26 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 773 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.300% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 254.86 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125483 | XXXXX | N/A | No | No | $4,174.35 | $4,174.35 | 7.449% | No | No | US Citizen | 1 | $14,415.96 | $2,381.76 | $1,201.33 | $198.48 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.449% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125639 | XXXXX | N/A | No | No | $962.07 | $962.07 | 7.125% | No | No | US Citizen | 1 | $2,295.12 | $977.04 | $191.26 | $81.42 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 53.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126345 | XXXXX | N/A | No | No | $1,034.84 | $1,034.84 | 7.500% | No | No | US Citizen | 1 | $1,049.40 | $1,080.00 | $87.45 | $90.00 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 0.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 12.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126402 | XXXXX | N/A | No | No | $1,498.33 | $1,498.33 | 6.625% | No | No | US Citizen | 1 | $3,779.88 | $1,683.96 | $314.99 | $140.33 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.7 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 754.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124019 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,594.96 | 7.322% | $1,536.08 | $1,536.08 | 7.125% | No | No | Non-Employment Income | US Citizen | $6,349.10 | 1 | $5,652.00 | $2,484.96 | $471.00 | $207.08 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 787 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $5,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 350.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127955 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,881.20 | 6.388% | $9,976.93 | $9,976.93 | 6.375% | No | No | Self-Employed | US Citizen | $18,175.98 | 1 | $39,744.60 | $4,764.00 | $3,312.05 | $397.00 | 45.548% | 45.548% | 45.548% | 04/22/2026 | 782 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $200,000.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 25.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125566 | XXXXX | Non QM | Yes | No | $2,133.83 | $5,564.71 | 6.750% | $2,137.04 | $2,137.04 | 6.625% | No | No | Non-Employment Income | US Citizen | $3,447.44 | 1 | $6,084.96 | $1,839.00 | $507.08 | $153.25 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 812 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $2,133.83 | 6.370% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 189.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126401 | XXXXX | N/A | No | No | $1,303.67 | $1,303.67 | 6.625% | No | No | US Citizen | 1 | $2,486.64 | $1,548.00 | $207.22 | $129.00 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 900.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126105 | XXXXX | N/A | No | No | $2,194.90 | $2,194.90 | 7.250% | No | No | US Citizen | 2 | $5,112.36 | $998.04 | $426.03 | $83.17 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.75 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127294 | XXXXX | N/A | No | No | $1,728.51 | $1,728.51 | 6.750% | No | No | 0 | US Citizen | US Citizen | 4 | $5,168.16 | $3,941.04 | $430.68 | $328.42 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 791 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.57 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.12 | Yes | 18.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127751 | XXXXX | N/A | No | No | $21,177.80 | $13,961.06 | 8.940% | $1,945.78 | $1,945.78 | 8.375% | No | No | Self-Employed | US Citizen | $283,883.67 | 1 | $7,251.24 | $951.96 | $604.27 | $79.33 | 10.060% | 10.060% | 10.060% | 04/15/2026 | 683 | No | Yes | 12 | Business | 100.000% | 52.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 52.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 52.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $21,177.80 | 6.260% | $85,520.30 | 1.5 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1283.63 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125980 | XXXXX | N/A | No | No | $1,077.79 | $1,077.79 | 7.000% | No | No | US Citizen | 1 | $2,072.64 | $6,465.36 | $172.72 | $538.78 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 666 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.3 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129091 | XXXXX | Non QM | Yes | No | $21,396.00 | $35,497.60 | 6.523% | $11,963.33 | $11,963.33 | 6.375% | No | No | Self-Employed | US Citizen | $75,983.63 | 1 | $29,962.56 | $9,042.12 | $2,496.88 | $753.51 | 19.889% | 19.889% | 19.889% | 05/05/2026 | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $21,396.00 | 6.320% | $3,700.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 41.670% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 04/13/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127519 | XXXXX | Non QM | Yes | No | $16,210.00 | $19,516.89 | 6.445% | $5,091.98 | $5,091.98 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,360.72 | 1 | $15,201.00 | $2,034.60 | $1,266.75 | $169.55 | 36.909% | 36.909% | 36.909% | 04/07/2026 | 776 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not
Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $16,210.00 | 6.260% | $0.00 | 2.6 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.06 | No | $0.00 | $5,512.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126883 | XXXXX | N/A | No | No | $4,803.79 | $4,803.79 | 6.875% | No | No | 0 | US Citizen | 4 | $14,666.28 | $7,305.00 | $1,222.19 | $608.75 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 775 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 42.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126594 | XXXXX | N/A | No | No | $956.03 | $956.03 | 6.875% | No | No | US Citizen | US Citizen | 1 | $2,217.12 | $1,584.00 | $184.76 | $132.00 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125932 | XXXXX | N/A | No | No | $7,413.12 | $7,191.00 | 7.074% | $973.27 | $973.27 | 6.625% | No | No | Employed | US Citizen | $3,033.82 | 2 | $2,614.80 | $1,722.00 | $217.90 | $143.50 | 30.246% | 30.246% | 30.246% | 04/11/2026 | 728 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,413.12 | 6.370% | $3,800.00 | None | N/A | No | 6.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 29.590% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126392 | XXXXX | N/A | No | No | $1,181.67 | $1,181.67 | 7.500% | No | No | US Citizen | 1 | $2,226.48 | $3,104.04 | $185.54 | $258.67 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123570 | XXXXX | Non QM | Yes | No | $6,565.00 | $9,303.00 | 6.525% | $3,100.63 | $3,100.63 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,503.46 | 1 | $2,879.76 | $2,516.04 | $239.98 | $209.67 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 803 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $6,565.00 | 6.220% | $0.00 | 2.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 352.49 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127100 | XXXXX | N/A | No | No | $1,416.14 | $1,416.14 | 8.250% | No | No | US Citizen | 1 | $4,552.08 | $1,379.28 | $379.34 | $114.94 | 0.000% | 0.000% | 0.000% | 04/01/2026 | 712 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127102 | XXXXX | N/A | No | No | $1,313.75 | $1,313.75 | 7.125% | No | No | US Citizen | US Citizen | 1 | $897.96 | $708.00 | $74.83 | $59.00 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124109 | XXXXX | N/A | No | No | $1,009.55 | $1,009.55 | 6.875% | No | No | US Citizen | 1 | $912.96 | $1,818.12 | $76.08 | $151.51 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.81 | 0.36 | XXXXX | XXXXX | 60.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124494 | XXXXX | Non QM | Yes | No | $1,640.00 | $11,380.84 | 6.863% | $5,042.85 | $5,042.85 | 6.750% | No | No | Non-Employment Income | US Citizen | $12,969.33 | 1 | $11,007.36 | $1,830.24 | $917.28 | $152.52 | 33.096% | 33.096% | 33.096% | 04/07/2026 | 808 | No | No | [Borrower - |
Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $5,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 132.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125478 | XXXXX | N/A | No | No | $1,419.07 | $1,419.07 | 7.599% | No | No | US Citizen | 1 | $2,475.24 | $1,622.76 | $206.27 | $135.23 | 0.000% | 0.000% | 0.000% | 03/30/2026 | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.599% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXXX | XXXXX | 18.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124260 | XXXXX | N/A | No | No | $1,385.16 | $1,385.16 | 6.750% | No | No | US Citizen | 1 | $9,115.56 | $648.96 | $759.63 | $54.08 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 117.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129092 | XXXXX | N/A | No | No | $1,494.47 | $1,494.47 | 6.875% | No | No | US Citizen | 1 | $9,249.24 | $1,464.00 | $770.77 | $122.00 | 0.000% | 0.000% | 0.000% | 04/19/2026 | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 10.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126252 | XXXXX | Non QM | Yes | No | $1,595.00 | $479.25 | 7.243% | $1,582.65 | $1,582.65 | 7.250% | No | No | Non-Employment Income | US Citizen | $3,330.22 | 1 | $1,939.44 | $1,728.96 | $161.62 | $144.08 | 36.307% | 36.307% | 36.307% | 04/06/2026 | 811 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.300% | $6,451.61 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 979.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122935 | XXXXX | Non QM | Yes | No | $2,057.12 | $4,278.92 | 6.921% | $3,468.58 | $3,468.58 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,394.81 | 1 | $6,144.84 | $2,474.04 | $512.07 | $206.17 | 45.581% | 45.581% | 45.581% | 03/23/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,057.12 | 6.220% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 77.920% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 81.91 | Yes | No | $3,060.58 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124683 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,547.24 | 6.527% | $8,185.28 | $8,185.28 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $23,830.97 | 1 | $16,125.96 | $1,673.52 | $1,343.83 | $139.46 | 29.848% | 29.848% | 29.848% | 04/08/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.430% | $0.00 | 4.3 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 60.260% | No | 26 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 75.88 | Yes | No | $0.00 | $8,713.47 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123827 | XXXXX | N/A | No | No | $2,418.71 | $2,418.71 | 7.000% | No | No | Permanent Resident Alien | 1 | $9,713.76 | $1,540.20 | $809.48 | $128.35 | 0.000% | 0.000% | 0.000% | 03/08/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | XXXXX | XXXXX | 43.240% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000616 | XXXXX | Non QM | Yes | No | $1,601.00 | $3,473.77 | 8.650% | $1,449.40 | $1,449.40 | 8.500% | No | No | Self-Employed | US Citizen | $12,616.49 | 1 | $4,102.80 | $2,679.00 | $341.90 | $223.25 | 36.918% | 36.918% | 36.918% | 01/29/2026 | 652 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,601.00 | 6.370% | $0.00 | 3.6 | None | No | No | 8.500% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127637 | XXXXX | N/A | No | No | $2,417.36 | $2,417.36 | 7.375% | No | No | Permanent Resident Alien | 1 | $10,717.56 | $1,407.48 | $893.13 | $117.29 | 0.000% | 0.000% | 0.000% | 04/23/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.29 | XXXXX | XXXXX | 60.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 45.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126534 | XXXXX | Non QM | Yes | No | $2,565.00 | $1,062.00 | 7.777% | $2,761.34 | $3,358.26 | 8.638% | No | No | Employed | Permanent Resident Alien | $7,503.47 | 1 | $7,831.68 | $859.56 | $652.64 | $71.63 | 39.972% | 39.422% | 39.972% | 05/14/2026 | 755 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.210% | $17,097.98 | 1.0 | None | N/A | No | 8.638% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 2.600% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 0.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127648 | XXXXX | Non QM | Yes | No | $1,731.00 | $5,888.76 | 6.649% | $1,896.20 | $1,896.20 | 6.500% | No | No | Non-Employment Income | US Citizen | $13,031.20 | 1 | $10,287.48 | $2,347.08 | $857.29 | $195.59 | 24.624% | 24.624% | 24.624% | 04/30/2026 | 732 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,731.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 540.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128891 | XXXXX | Non QM | Yes | No | $1,690.00 | $7,928.21 | 6.790% | $7,069.72 | $7,069.72 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $19,770.35 | 1 | $16,126.68 | $3,643.92 | $1,343.89 | $303.66 | 41.600% | 41.600% | 41.600% | 04/29/2026 | 780 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,690.00 | 6.410% | $8,767.68 | 2.8 | None | No | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | XXXXX | XXXXX | 51.940% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.37 | No | No | $7,887.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126751 | XXXXX | Non QM | Yes | No | $2,615.00 | $2,387.81 | 6.636% | $4,354.11 | $4,354.11 | 6.625% | No | No | Employed | US Citizen | $19,006.73 | 1 | $13,353.12 | $418.08 | $1,112.76 | $34.84 | 38.521% | 38.521% | 38.521% | 03/09/2026 | 754 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,615.00 | 6.300% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126315 | XXXXX | Non QM | Yes | No | $25,067.80 | $10,875.03 | 7.032% | $11,177.08 | $11,177.08 | 7.000% | No | No | Self-Employed | Permanent Resident Alien | $67,041.47 | 1 | $5,919.36 | $2,498.04 | $493.28 | $208.17 | 16.198% | 16.198% | 16.198% | 04/09/2026 | 740 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $25,067.80 | 6.300% | $0.00 | 1.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | 45.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 43.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126630 | XXXXX | N/A | No | No | $1,178.53 | $1,178.53 | 6.875% | No | No | Permanent Resident Alien | Permanent Resident Alien | 1 | $5,180.04 | $3,695.04 | $431.67 | $307.92 | 0.000% | 0.000% | 0.000% | 03/18/2026 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.6 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.2 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126962 | XXXXX | N/A | No | No | $3,461.56 | $3,461.56 | 7.399% | No | No | US Citizen | US Citizen | 1 | $4,733.16 | $1,671.96 | $394.43 | $139.33 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 803 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | N/A | No | 7.399% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1.01 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 100.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124660 | XXXXX | Non QM | Yes | No | $1,780.00 | $6,529.01 | 6.919% | $6,043.75 | $6,043.75 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,410.57 | 1 | $7,675.20 | $3,251.16 | $639.60 | $270.93 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 799 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,780.00 | 6.430% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 269.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126643 | XXXXX | N/A | No | No | $800.39 | $800.39 | 6.625% | No | No | US Citizen | 1 | $5,812.56 | $890.04 | $484.38 | $74.17 | 0.000% | 0.000% | 0.000% | 04/19/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | XXXXX | XXXXX | 92.400% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128558 | XXXXX | Non QM | Yes | No | $8,615.20 | $11,385.34 | 7.096% | $6,120.78 | $6,120.78 | 7.000% | No | No | Employed | US Citizen | $10,253.96 | 1 | $18,352.68 | $2,368.20 | $1,529.39 | $197.35 | 50.781% | 50.781% | 50.781% | 04/01/2026 | 763 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $8,615.20 | 6.320% | $0.00 | 2.9 | None | Yes | No | 7.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 27.550% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126296 | XXXXX | N/A | No | No | $3,485.35 | $3,485.35 | 7.000% | No | No | US Citizen | 1 | $20,532.84 | $1,755.00 | $1,711.07 | $146.25 | 0.000% | 0.000% | 0.000% | 03/05/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.1 | XXXXX | XXXXX | 62.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126584 | XXXXX | N/A | No | No | $1,122.70 | $1,122.70 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | $3,685.56 | $3,033.24 | $307.13 | $252.77 | 0.000% | 0.000% | 0.000% | 720 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.3 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126609 | XXXXX | N/A | No | No | $887.48 | $887.48 | 7.875% | No | No | US Citizen | US Citizen | 1 | $3,716.76 | $674.04 | $309.73 | $56.17 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 80.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127160 | XXXXX | Non QM | Yes | No | $18,926.16 | $25,102.21 | 6.641% | $9,385.74 | $9,385.74 | 6.500% | No | No | Self-Employed | US Citizen | $19,781.61 | 1 | $24,749.88 | $4,132.32 | $2,062.49 | $344.36 | 44.437% | 44.437% | 44.437% | 04/21/2026 | 798 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $18,926.16 | 6.300% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 30.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125983 | XXXXX | Non QM | Yes | No | $1,935.20 | $4,285.33 | 6.826% | $2,552.88 | $2,552.88 | 6.750% | No | No | Non-Employment Income | US Citizen | $7,413.64 | 1 | $4,638.96 | $480.96 | $386.58 | $40.08 | 45.346% | 45.346% | 45.346% | 04/17/2026 | 797 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,935.20 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 336.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | 09/15/2026 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126301 | XXXXX | N/A | No | No | $1,313.86 | $1,313.86 | 6.875% | No | No | US Citizen | 1 | $2,701.08 | $899.64 | $225.09 | $74.97 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 693 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.66 | XXXXX | XXXXX | 2.500% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126073 | XXXXX | Non QM | Yes | No | $5,854.92 | $8,513.04 | 8.495% | $4,514.83 | $4,514.83 | 8.375% | No | No | Employed | US Citizen | $10,953.19 | 1 | $4,030.68 | $2,013.00 | $335.89 | $167.75 | 34.281% | 34.281% | 34.281% | 04/17/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $5,854.92 | 6.320% | $2,000.00 | 1.0 | None | N/A | No | 8.375% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 42.750% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126009 | XXXXX | Non QM | Yes | No | $3,754.33 | $5,489.13 | 6.744% | $1,283.10 | $1,283.10 | 6.500% | No | No | Self-Employed | US Citizen | $2,738.03 | 1 | $10,507.08 | $726.96 | $875.59 | $60.58 | 50.839% | 50.839% | 50.839% | 03/10/2026 | 791 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $3,754.33 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | XXXXX | XXXXX | 58.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 152.96 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125065 | XXXXX | Non QM | Yes | No | $0.00 | $3,986.56 | 6.265% | $7,080.75 | $7,080.75 | 6.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,788.78 | 1 | $37,861.20 | $2,775.96 | $3,155.10 | $231.33 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 797 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | 6.430% | $750.00 | 2.6 | None | Yes | No | 6.250% | 0 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 226.88 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126065 | XXXXX | N/A | No | No | $1,270.79 | $1,270.79 | 8.999% | No | No | US Citizen | 1 | $4,829.64 | $1,266.72 | $402.47 | $105.56 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 697 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128104 | XXXXX | N/A | No | No | $5,520.08 | $5,520.08 | 7.625% | No | No | US Citizen | 1 | $12,369.72 | $2,811.24 | $1,030.81 | $234.27 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.19 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128727 | XXXXX | N/A | No | No | $1,459.05 | $1,459.05 | 7.000% | No | No | US Citizen | 1 | $1,556.52 | $1,526.76 | $129.71 | $127.23 | 0.000% | 0.000% | 0.000% | 04/30/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 72.830% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126182 | XXXXX | N/A | No | No | $3,264.17 | $3,264.17 | 7.125% | No | No | US Citizen | US Citizen | 1 | $9,176.04 | $1,626.96 | $764.67 | $135.58 | 0.000% | 0.000% | 0.000% | 05/11/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 251.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125210 | XXXXX | N/A | No | No | $561.67 | $561.67 | 6.875% | No | No | US Citizen | 1 | $2,575.68 | $696.96 | $214.64 | $58.08 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 771 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | 43.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125856 | XXXXX | Non QM | Yes | No | $4,030.00 | $4,006.08 | 6.682% | $3,118.31 | $3,118.31 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $9,741.83 | 1 | $12,373.92 | $1,844.16 | $1,031.16 | $153.68 | 35.240% | 35.240% | 35.240% | 03/26/2026 | 802 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $4,030.00 | 6.370% | $0.00 | 1.8 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 0.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127328 | XXXXX | Non QM | Yes | No | $3,065.00 | $10,161.33 | 7.089% | $5,215.97 | $5,215.97 | 7.000% | No | No | Self-Employed | US Citizen | $38,764.70 | 1 | $14,867.04 | $2,431.44 | $1,238.92 | $202.62 | 22.792% | 22.792% | 22.792% | 04/21/2026 | 763 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $3,065.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 24.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125803 | XXXXX | Non QM | Yes | No | $7,507.89 | $9,370.86 | 6.380% | $1,916.12 | $1,916.12 | 6.125% | No | No | Employed | Employed | US Citizen | US Citizen | $4,639.65 | 1 | $12,930.00 | $1,922.04 | $1,077.50 | $160.17 | 42.667% | 42.667% | 42.667% | 798 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $7,507.89 | 6.260% | $100,000.00 | 1.0 | None | N/A | No | 6.125% | 2 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 24.230% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.65 | Yes | No | $0.00 | $4,550.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128086 | XXXXX | N/A | No | No | $1,108.29 | $1,108.29 | 6.250% | No | No | US Citizen | US Citizen | 1 | $2,274.96 | $743.04 | $189.58 | $61.92 | 0.000% | 0.000% | 0.000% | 05/12/2026 | 804 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.58 | XXXXX | XXXXX | 69.730% | No | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127934 | XXXXX | Non QM | Yes | No | $11,952.50 | $14,829.22 | 7.589% | $4,403.05 | $4,403.05 | 7.375% | No | No | Self-Employed | US Citizen | $32,671.51 | 1 | $10,295.28 | $6,029.04 | $857.94 | $502.42 | 29.858% | 29.858% | 29.858% | 04/23/2026 | 721 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Balance Sheet - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 1 | 0 | 0 | No | XXXXX | $11,952.50 | 6.260% | $0.00 | 2.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 21.02 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121411 | XXXXX | N/A | No | No | $6,744.00 | $7,456.12 | 8.903% | $1,140.11 | $1,140.11 | 8.375% | No | No | Self-Employed | US Citizen | $15,182.41 | 1 | $3,222.48 | $5,482.44 | $268.54 | $456.87 | 49.442% | 49.442% | 49.442% | 12/05/2025 | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $6,744.00 | 6.180% | $0.00 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.98 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121419 | XXXXX | Non QM | Yes | No | $25,149.40 | $28,966.50 | 8.569% | $10,945.04 | $10,945.04 | 8.375% | No | No | Self-Employed | US Citizen | $40,258.39 | 1 | $35,246.04 | $9,360.96 | $2,937.17 | $780.08 | 40.020% | 40.020% | 40.020% | 02/05/2026 | 709 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Account Statements - Business -
2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXXX | $25,149.40 | 6.130% | $0.00 | 3.5 | None | N/A | No | 8.375% | 0 | 0 | 0 | 6 | 0 | 12.00 | No | XXXXX | XXXXX | 21.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121420 | XXXXX | Non QM | Yes | No | $22,913.94 | $20,581.64 | 8.828% | $4,411.64 | $4,411.64 | 8.500% | No | No | Self-Employed | US Citizen | $8,362.40 | 1 | $9,015.60 | $2,251.92 | $751.30 | $187.66 | 42.696% | 42.696% | 42.696% | 01/06/2026 | 787 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Account Statements - Business -
2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXXX | $22,913.94 | 6.100% | $16,875.00 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 5 | 0 | 12.00 | No | XXXXX | XXXXX | 1.030% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.59 | Retail | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A99 | 02/27/2027 | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121240 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $21,935.00 | $0.00 | 6.120% | $3,295.68 | $3,295.68 | 6.125% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $10,641.23 | 1 | $5,607.00 | $1,530.72 | $467.25 | $127.56 | 45.149% | 45.149% | 45.149% | 01/16/2026 | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $21,935.00 | 6.130% | $40,680.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 3.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123522 | XXXXX | Non QM | Yes | No | $2,565.00 | $10,659.50 | 7.900% | $11,479.30 | $11,479.30 | 7.875% | No | No | Self-Employed | US Citizen | $60,115.69 | 1 | $21,693.60 | $13,635.96 | $1,807.80 | $1,136.33 | 26.252% | 26.252% | 26.252% | 02/27/2026 | 705 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | XXXXX | $2,565.00 | 5.980% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.37 | Broker | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121404 | XXXXX | N/A | No | No | $2,536.12 | $2,536.12 | 8.875% | No | No | US Citizen | 1 | $6,634.20 | $1,227.00 | $552.85 | $102.25 | 0.000% | 0.000% | 0.000% | 11/13/2025 | 700 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.66 | 1.52 | XXXXX | XXXXX | 28.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 39.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121140 | XXXXX | N/A | No | No | $4,985.52 | $4,985.52 | 7.125% | No | No | US Citizen | 2 | $7,922.76 | $2,306.04 | $660.23 | $192.17 | 0.000% | 0.000% | 0.000% | 10/31/2025 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 25.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1.61 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121142 | XXXXX | N/A | No | No | $4,326.39 | $4,326.39 | 7.500% | No | No | US Citizen | 3 | $12,245.88 | $3,246.96 | $1,020.49 | $270.58 | 0.000% | 0.000% | 0.000% | 11/28/2025 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.62 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.67 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121176 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $1,595.00 | $2,416.51 | 7.901% | $4,363.47 | $4,363.47 | 7.875% | No | No | Self-Employed | US Citizen | $14,538.13 | 1 | $3,216.00 | $1,814.04 | $268.00 | $151.17 | 42.387% | 42.387% | 42.387% | 12/17/2025 | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $1,595.00 | 6.120% | $0.00 | 1.6 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121407 | XXXXX | N/A | No | No | $3,994.13 | $3,994.13 | 6.875% | No | No | Non-Permanent Resident Alien | 2 | $9,257.76 | $2,556.36 | $771.48 | $213.03 | 0.000% | 0.000% | 0.000% | 12/01/2025 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 23.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.25 | Broker | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121137 | XXXXX | N/A | No | No | $2,981.20 | $2,981.20 | 7.125% | No | No | US Citizen | 2 | $17,901.60 | $1,875.96 | $1,491.80 | $156.33 | 0.000% | 0.000% | 0.000% | 10/20/2025 | 733 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 75.630% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 68.5 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123514 | XXXXX | N/A | No | No | $1,236.49 | $1,236.49 | 6.125% | No | No | Non-Permanent Resident Alien | 1 | $2,094.48 | $914.04 | $174.54 | $76.17 | 0.000% | 0.000% | 0.000% | 01/30/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 155.77 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121189 | XXXXX | N/A | No | No | $2,373.97 | $2,373.97 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | $1,503.00 | $2,505.00 | $125.25 | $208.75 | 0.000% | 0.000% | 0.000% | 12/23/2025 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.1 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121305 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $105,745.00 | $16,016.98 | 6.957% | $12,087.49 | $12,087.49 | 6.875% | No | No | Self-Employed | US Citizen | $92,510.99 | 1 | $22,993.92 | $2,319.00 | $1,916.16 | $193.25 | 48.832% | 48.832% | 48.832% | 12/30/2025 | 740 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Account Statements - Business -
2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | XXXXX | $105,745.00 | 6.020% | $0.00 | 3.2 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.32 | No | Yes | $0.00 | $0.00 | No | No | No | No | 12 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123511 | XXXXX | N/A | No | No | $1,650.61 | $1,650.61 | 7.125% | No | No | Non-Permanent Resident Alien | 1 | $1,851.12 | $1,062.00 | $154.26 | $88.50 | 0.000% | 0.000% | 0.000% | 12/03/2025 | 726 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.94 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121201 | XXXXX | N/A | No | No | $1,312.87 | $1,312.87 | 5.999% | No | No | Permanent Resident Alien | 1 | $5,732.76 | $1,080.00 | $477.73 | $90.00 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 722 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.04 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121274 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $34,107.50 | $19,134.54 | 7.920% | $2,495.06 | $2,495.06 | 7.375% | No | No | Not Employed | Employed | US Citizen | $11,068.32 | 1 | $10,534.08 | $1,569.00 | $877.84 | $130.75 | 47.493% | 47.493% | 47.493% | 02/09/2026 | 752 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $34,107.50 | 5.980% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 37.730% | No | 19 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.17 | No | Yes | ($1,601.33) | $22,681.05 | No | No | No | No | 6 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121192 | XXXXX | N/A | No | No | $1,049.10 | $1,049.10 | 5.999% | No | No | US Citizen | 1 | $3,709.44 | $1,384.08 | $309.12 | $115.34 | 0.000% | 0.000% | 0.000% | 12/11/2025 | 794 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 111.57 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121224 | XXXXX | N/A | No | No | $5,550.40 | $5,550.40 | 7.999% | No | No | US Citizen | 2 | $6,824.28 | $1,629.96 | $568.69 | $135.83 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 21.940% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.24 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121225 | XXXXX | N/A | No | No | $1,212.38 | $1,212.38 | 6.999% | No | No | US Citizen | 1 | $3,865.68 | $1,188.24 | $322.14 | $99.02 | 0.000% | 0.000% | 0.000% | 01/26/2026 | 673 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 61.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.01 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121251 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $10,973.91 | $12,942.98 | 7.036% | $2,001.80 | $2,001.80 | 6.625% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Canada | Canada | $32,491.92 | 1 | $7,009.92 | $1,788.00 | $584.16 | $149.00 | 10.942% | 10.942% | 10.942% | No | No | Third Party Prepared (Unaudited) | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $10,973.91 | 6.120% | $0.00 | 2.6 | None | N/A | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 13.90 | No | XXXXX | XXXXX | 40.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Passport | Passport | 20.95 | No | No | $18,111.03 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121416 | XXXXX | N/A | No | No | $1,334.14 | $1,334.14 | 6.250% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | $5,730.00 | $1,020.96 | $477.50 | $85.08 | 0.000% | 0.000% | 0.000% | 01/27/2026 | 817 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 64.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.68 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121242 | XXXXX | N/A | No | No | $1,472.33 | $1,472.33 | 6.375% | No | No | US Citizen | 2 | $2,750.88 | $3,069.00 | $229.24 | $255.75 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | XXXXX | XXXXX | 1.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.22 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121366 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $18,833.21 | $9,005.34 | 6.776% | $1,375.59 | $1,375.59 | 6.375% | No | No | Self-Employed | Not Employed | Not Employed | 0 | Foreign National | Foreign National | Foreign National | Colombia | Argentina | Colombia | $5,666.35 | 1 | $4,446.00 | $1,452.36 | $370.50 | $121.03 | 25.682% | 25.682% | 25.682% | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | XXXXX | $18,833.21 | 5.980% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXXX | XXXXX | 41.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Passport | Passport | Passport | 17.31 | Yes | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121353 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $10,373.32 | $308.73 | 6.510% | $1,574.17 | $1,574.17 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $42,480.90 | 1 | $1,461.96 | $2,141.88 | $121.83 | $178.49 | 10.150% | 10.150% | 10.150% | 02/16/2026 | 771 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $10,373.32 | 5.980% | $16,085.00 | 1.7 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 24.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization, Passport | 47.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121210 | XXXXX | N/A | No | No | $1,384.99 | $1,384.99 | 6.375% | No | No | US Citizen | 1 | $7,329.84 | $1,056.00 | $610.82 | $88.00 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 754 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.46 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121222 | XXXXX | N/A | No | No | $1,200.93 | $1,200.93 | 6.500% | No | No | US Citizen | 1 | $2,485.68 | $1,350.00 | $207.14 | $112.50 | 0.000% | 0.000% | 0.000% | 12/16/2025 | 727 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.9 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 119.31 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121368 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $17,145.00 | $18,856.67 | 7.626% | $10,628.06 | $10,628.06 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $76,803.78 | 1 | $16,655.76 | $2,168.88 | $1,387.98 | $180.74 | 26.247% | 26.247% | 26.247% | 02/16/2026 | 759 | No | No | [Coborrower(s) - |
Primary Income - P&L Statement Only]; Audited P&L - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | XXXXX | $17,145.00 | 6.020% | $0.00 | 1.7 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.17 | No | Yes | $104,136.99 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121185 | XXXXX | N/A | No | No | $1,125.00 | $1,125.00 | 7.500% | No | No | US Citizen | 1 | $1,594.08 | $552.00 | $132.84 | $46.00 | 0.000% | 0.000% | 0.000% | 01/15/2026 | 670 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 240 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.54 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121174 | XXXXX | N/A | No | No | $5,314.03 | $5,314.03 | 7.500% | No | No | US Citizen | 2 | $7,022.88 | $3,084.00 | $585.24 | $257.00 | 0.000% | 0.000% | 0.000% | 01/05/2026 | 722 | No | No | DSCR | 1 | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 26.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.55 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121286 | XXXXX | N/A | No | No | $1,863.78 | $1,863.78 | 6.250% | No | No | US Citizen | 1 | $3,345.96 | $683.16 | $278.83 | $56.93 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 76.01 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121226 | XXXXX | N/A | No | No | $959.18 | $959.18 | 5.999% | No | No | US Citizen | 1 | $5,842.80 | $747.00 | $486.90 | $62.25 | 0.000% | 0.000% | 0.000% | 02/04/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.82 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.36 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121256 | XXXXX | N/A | No | No | $1,863.78 | $1,863.78 | 6.250% | No | No | US Citizen | 1 | $3,339.96 | $683.16 | $278.33 | $56.93 | 0.000% | 0.000% | 0.000% | 02/09/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121427 | XXXXX | N/A | No | No | $3,064.68 | $3,064.68 | 7.250% | No | No | US Citizen | US Citizen | 1 | $10,967.76 | $3,129.12 | $913.98 | $260.76 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 755 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.58 | 1.72 | XXXXX | XXXXX | 31.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121190 | XXXXX | N/A | No | No | $4,803.79 | $4,803.79 | 8.500% | No | No | US Citizen | 1 | $10,618.92 | $3,626.04 | $884.91 | $302.17 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | XXXXX | 5.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.16 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000123516 | XXXXX | Exempt from ATR | N/A | Yes | No | No | $27,145.00 | $11,337.31 | 7.665% | $2,486.43 | $2,486.43 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $238,831.04 | 1 | $7,284.36 | $1,788.00 | $607.03 | $149.00 | 11.503% | 11.503% | 11.503% | 04/01/2026 | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $27,145.00 | 6.020% | $0.00 | 4.1 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.22 | No | Yes | $269,873.85 | $0.00 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121172 | XXXXX | N/A | No | No | $2,098.20 | $2,098.20 | 5.999% | No | No | US Citizen | 1 | $2,117.76 | $539.04 | $176.48 | $44.92 | 0.000% | 0.000% | 0.000% | 01/02/2026 | 767 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.42 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121276 | XXXXX | N/A | No | No | $2,678.39 | $2,678.39 | 6.500% | No | No | US Citizen | 1 | $3,072.36 | $2,338.08 | $256.03 | $194.84 | 0.000% | 0.000% | 0.000% | 02/16/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.5 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121151 | XXXXX | N/A | No | No | $5,780.97 | $5,780.97 | 6.875% | No | No | US Citizen | 2 | $7,192.08 | $2,918.04 | $599.34 | $243.17 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 25.330% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.17 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121323 | XXXXX | N/A | No | No | $3,017.06 | $3,017.06 | 8.999% | No | No | US Citizen | 1 | $5,410.44 | $723.96 | $450.87 | $60.33 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 715 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.63 | 1.59 | XXXXX | XXXXX | 16.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.74 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121379 | XXXXX | N/A | No | No | $1,416.29 | $1,416.29 | 5.999% | No | No | US Citizen | 1 | $2,195.40 | $1,218.84 | $182.95 | $101.57 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 130.65 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121332 | XXXXX | N/A | No | No | $1,154.46 | $1,154.46 | 6.125% | No | No | US Citizen | 1 | $2,193.60 | $2,567.16 | $182.80 | $213.93 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 688 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.02 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121410 | XXXXX | N/A | No | No | $997.92 | $997.92 | 8.125% | No | No | US Citizen | 1 | $1,202.76 | $3,172.20 | $100.23 | $264.35 | 0.000% | 0.000% | 0.000% | 12/17/2025 | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.2 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121337 | XXXXX | N/A | No | No | $1,329.63 | $1,329.63 | 6.750% | No | No | Foreign National | 1 | $1,424.28 | $848.04 | $118.69 | $70.67 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.68 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 384.63 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121339 | XXXXX | N/A | No | No | $14,654.07 | $14,654.07 | 6.250% | No | No | US Citizen | 1 | $15,723.00 | $14,157.36 | $1,310.25 | $1,179.78 | 0.000% | 0.000% | 0.000% | 03/02/2026 | 800 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 141.04 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121385 | XXXXX | N/A | No | No | $5,588.02 | $5,588.02 | 7.750% | No | No | US Citizen | 1 | $6,338.88 | $2,456.04 | $528.24 | $204.67 | 0.000% | 0.000% | 0.000% | 03/12/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.22 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.96 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121424 | XXXXX | N/A | No | No | $1,592.54 | $1,592.54 | 7.625% | No | No | US Citizen | 3 | $2,083.20 | $1,694.04 | $173.60 | $141.17 | 0.000% | 0.000% | 0.000% | 01/07/2026 | 719 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.63 | XXXXX | XXXXX | 51.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.57 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121145 | XXXXX | N/A | No | No | $4,845.56 | $4,845.56 | 7.500% | No | No | US Citizen | 2 | $7,187.04 | $4,386.96 | $598.92 | $365.58 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 676 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.07 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121219 | XXXXX | N/A | No | No | $1,888.38 | $1,888.38 | 5.999% | No | No | US Citizen | 1 | $843.96 | $1,539.96 | $70.33 | $128.33 | 0.000% | 0.000% | 0.000% | 02/06/2026 | 748 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.5 | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.87 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121195 | XXXXX | N/A | No | No | $3,775.76 | $3,775.76 | 7.500% | No | No | US Citizen | 1 | $1,577.64 | $2,484.00 | $131.47 | $207.00 | 0.000% | 0.000% | 0.000% | 01/23/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 1.21 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121342 | XXXXX | N/A | No | No | $2,698.93 | $2,698.93 | 6.500% | No | No | Permanent Resident Alien | 1 | $6,957.48 | $1,302.96 | $579.79 | $108.58 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 69.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 70.42 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121376 | XXXXX | N/A | No | No | $2,729.17 | $2,729.17 | 6.250% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $6,490.44 | $1,554.96 | $540.87 | $129.58 | 0.000% | 0.000% | 0.000% | 02/05/2026 | 788 | 724 | 729 | 728 | 795 | 788 | 787 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Trust | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.27 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121307 | XXXXX | N/A | No | No | $5,664.91 | $5,664.91 | 6.500% | No | No | US Citizen | 1 | $5,653.44 | $4,014.96 | $471.12 | $334.58 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 2.33 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121369 | XXXXX | N/A | No | No | $3,456.51 | $3,456.51 | 8.125% | No | No | US Citizen | 1 | $4,963.92 | $4,635.96 | $413.66 | $386.33 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 668 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.87 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121321 | XXXXX | N/A | No | No | $2,085.82 | $2,085.82 | 6.500% | No | No | US Citizen | US Citizen | 1 | $2,515.08 | $840.96 | $209.59 | $70.08 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 820 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126814 | XXXXX | N/A | No | No | $1,610.23 | $1,610.23 | 7.625% | No | No | Permanent Resident Alien | 1 | $2,542.44 | $2,244.00 | $211.87 | $187.00 | 0.000% | 0.000% | 0.000% | 03/25/2026 | 679 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.1 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127613 | XXXXX | Non QM | Yes | No | $0.00 | $2,259.53 | 6.500% | $6,168.98 | $6,168.98 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $26,743.88 | 1 | $8,786.40 | $2,180.04 | $732.20 | $181.67 | 26.054% | 26.054% | 26.054% | 777 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 1.0 | None | No | No | 6.500% | 1 | 1 | 0 | 0 | 4 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 5 | 15 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 521.93 | Yes | No | $0.00 | $6,583.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127849 | XXXXX | N/A | No | No | $984.16 | $984.16 | 6.625% | No | No | US Citizen | 1 | $5,744.52 | $644.04 | $478.71 | $53.67 | 0.000% | 0.000% | 0.000% | 04/27/2026 | 759 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126341 | XXXXX | N/A | No | No | $2,236.63 | $2,236.63 | 7.625% | No | No | US Citizen | 1 | $6,821.16 | $2,257.68 | $568.43 | $188.14 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 731 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | XXXXX | XXXXX | 1.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124611 | XXXXX | N/A | No | No | $1,422.42 | $1,422.42 | 6.375% | No | No | US Citizen | 1 | $7,630.32 | $1,919.52 | $635.86 | $159.96 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 791 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 55.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121166 | XXXXX | N/A | No | No | $7,331.56 | $7,331.56 | 6.625% | No | No | 0 | US Citizen | 1 | $6,517.56 | $5,101.08 | $543.13 | $425.09 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 662 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 164.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AO | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000723 | XXXXX | Non QM | Yes | No | $1,170.00 | $9,061.48 | 6.923% | $8,145.92 | $8,145.92 | 6.875% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,756.11 | 1 | $18,460.56 | $8,644.68 | $1,538.38 | $720.39 | 48.743% | 48.743% | 48.743% | 04/16/2026 | 760 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,170.00 | 6.300% | $15,405.00 | 3.5 | None | No | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 45.370% | No | 22 | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.76 | No | No | $2,409.42 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128384 | XXXXX | N/A | No | No | $594.55 | $594.55 | 7.625% | No | No | Permanent Resident Alien | 1 | $1,478.52 | $1,884.96 | $123.21 | $157.08 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 779 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.8 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 211.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126864 | XXXXX | N/A | No | No | $1,400.80 | $1,400.80 | 7.125% | No | No | US Citizen | 1 | $5,706.00 | $2,868.96 | $475.50 | $239.08 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 82.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 69.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126555 | XXXXX | N/A | No | No | $1,724.28 | $1,724.28 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $10,153.32 | $544.68 | $846.11 | $45.39 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 795 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.68 | No | $0.00 | $0.00 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128571 | XXXXX | N/A | No | No | $1,230.06 | $1,230.06 | 7.500% | No | No | US Citizen | 1 | $2,165.64 | $1,838.52 | $180.47 | $153.21 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 786 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.2 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.95 | XXXXX | XXXXX | 22.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127937 | XXXXX | N/A | No | No | $2,502.43 | $2,502.43 | 7.750% | No | No | US Citizen | 1 | $8,399.52 | $806.88 | $699.96 | $67.24 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 723 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127082 | XXXXX | Non QM | Yes | No | $2,565.00 | $10,553.46 | 6.434% | $7,785.90 | $7,785.90 | 6.375% | No | No | Employed | US Citizen | $12,548.20 | 1 | $26,000.04 | $3,174.96 | $2,166.67 | $264.58 | 47.880% | 47.880% | 47.880% | 04/14/2026 | 743 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,565.00 | 6.300% | $0.00 | 1.2 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 58.630% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.21 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000522 | XXXXX | N/A | No | No | $15,934.00 | $6,703.97 | 8.658% | $1,702.56 | $1,702.56 | 8.375% | No | No | Not Employed | Self-Employed | US Citizen | $14,290.87 | 1 | $6,512.04 | $2,061.00 | $542.67 | $171.75 | 28.546% | 28.546% | 28.546% | 01/29/2026 | 652 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $15,934.00 | 6.370% | $0.00 | 3.6 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 73.63 | No | No | $20,000.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122982 | XXXXX | N/A | No | No | $2,334.95 | $2,334.95 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | $3,760.92 | $1,395.00 | $313.41 | $116.25 | 0.000% | 0.000% | 0.000% | 03/10/2026 | 780 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125380 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,037.30 | 6.645% | $10,629.16 | $10,629.16 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $18,791.45 | 1 | $19,192.56 | $9,750.00 | $1,599.38 | $812.50 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 804 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.370% | $0.00 | 2.7 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 282.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 05/20/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125922 | XXXXX | N/A | No | No | $6,989.58 | $6,989.58 | 6.875% | No | No | US Citizen | 1 | $9,271.56 | $5,619.24 | $772.63 | $468.27 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | 240 | XXXXX | XXXXX | 34.730% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 34.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127559 | XXXXX | Non QM | Yes | No | $3,975.00 | $6,442.02 | 6.548% | $5,524.27 | $5,524.27 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,980.39 | 1 | $21,849.96 | $1,791.96 | $1,820.83 | $149.33 | 45.688% | 45.688% | 45.688% | 04/27/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,975.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 63.730% | No | 14 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 29.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126657 | XXXXX | N/A | No | No | $1,598.85 | $1,598.85 | 7.250% | No | No | US Citizen | US Citizen | 1 | $3,869.52 | $570.96 | $322.46 | $47.58 | 0.000% | 0.000% | 0.000% | 05/05/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.18 | XXXXX | XXXXX | 44.620% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 23.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126044 | XXXXX | Non QM | Yes | No | $7,502.50 | $9,291.00 | 7.392% | $3,965.15 | $3,965.15 | 7.250% | No | No | Self-Employed | US Citizen | $11,248.10 | 1 | $11,139.12 | $3,205.68 | $928.26 | $267.14 | 49.882% | 49.882% | 49.882% | 03/18/2026 | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,502.50 | 6.370% | $153,700.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 2.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126500 | XXXXX | Non QM | Yes | No | $13,481.00 | $4,458.00 | 6.794% | $5,188.78 | $5,188.78 | 6.750% | No | No | Self-Employed | US Citizen | $18,048.60 | 1 | $14,607.96 | $2,567.64 | $1,217.33 | $213.97 | 29.017% | 29.017% | 29.017% | 04/16/2026 | 801 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; Balance Sheet - 2026 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $13,481.00 | 6.370% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127326 | XXXXX | Non QM | Yes | No | $8,670.00 | $13,025.50 | 6.925% | $4,280.75 | $4,280.75 | 6.750% | No | No | Employed | Permanent Resident Alien | $11,850.24 | 1 | $10,312.56 | $957.36 | $859.38 | $79.78 | 33.284% | 33.284% | 33.284% | 05/04/2026 | 783 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $8,670.00 | 6.300% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 24.990% | No | 18 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.72 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128841 | XXXXX | Non QM | Yes | No | $10,615.00 | $18,235.00 | 6.865% | $8,353.94 | $8,353.94 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $19,174.13 | 1 | $20,124.96 | $2,199.00 | $1,677.08 | $183.25 | 40.115% | 40.115% | 40.115% | 04/13/2026 | 772 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $10,615.00 | 6.320% | $6,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 5.510% | No | 19 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.09 | No | No | $9,254.64 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127417 | XXXXX | Non QM | Yes | No | $17,200.66 | $22,586.34 | 7.067% | $6,227.97 | $6,227.97 | 6.875% | No | No | Employed | Permanent Resident Alien | $12,307.34 | 1 | $12,812.28 | $1,824.00 | $1,067.69 | $152.00 | 38.463% | 38.463% | 38.463% | 04/10/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $17,200.66 | 6.260% | $25,000.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 28.780% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 7.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125954 | XXXXX | Non QM | Yes | No | $4,614.00 | $5,981.95 | 6.975% | $1,572.20 | $1,572.20 | 6.750% | No | No | Employed | US Citizen | $3,163.16 | 1 | $4,331.64 | $416.04 | $360.97 | $34.67 | 47.281% | 47.281% | 47.281% | 04/06/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,614.00 | 6.260% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 46.020% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127422 | XXXXX | N/A | No | No | $1,390.29 | $1,390.29 | 6.875% | No | No | US Citizen | US Citizen | 1 | $4,169.88 | $1,353.96 | $347.49 | $112.83 | 0.000% | 0.000% | 0.000% | 03/06/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 129.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121887 | XXXXX | N/A | No | No | $4,530.71 | $4,530.71 | 7.000% | No | No | US Citizen | 1 | $13,291.44 | $3,891.00 | $1,107.62 | $324.25 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 734 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.01 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125482 | XXXXX | N/A | No | No | $10,241.97 | $10,241.97 | 8.375% | No | No | US Citizen | US Citizen | 1 | $4,464.96 | $1,218.96 | $372.08 | $101.58 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.8 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.39 | 2.6 | XXXXX | XXXXX | 71.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127785 | XXXXX | Non QM | Yes | No | $1,595.00 | $5,656.10 | 6.388% | $11,173.47 | $11,173.47 | 6.375% | No | No | Self-Employed | US Citizen | $29,735.09 | 1 | $42,711.96 | $4,677.00 | $3,559.33 | $389.75 | 39.518% | 39.518% | 39.518% | 03/26/2026 | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.260% | $0.00 | 1.7 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 71.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 55.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000100307 | XXXXX | N/A | No | No | $1,554.02 | $1,554.02 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $5,848.20 | $1,248.00 | $487.35 | $104.00 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 738 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | XXXXX | 91.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 85.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127370 | XXXXX | N/A | No | No | $2,592.99 | $2,592.99 | 6.624% | No | No | US Citizen | 1 | $12,157.32 | $4,293.24 | $1,013.11 | $357.77 | 0.000% | 0.000% | 0.000% | 04/03/2026 | 661 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 5.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000760 | XXXXX | Non QM | Yes | No | $21,816.10 | $1,841.54 | 6.007% | $6,415.19 | $6,415.19 | 6.000% | No | No | Not Employed | Employed | US Citizen | US Citizen | $23,315.36 | 1 | $17,141.88 | $2,639.28 | $1,428.49 | $219.94 | 38.351% | 38.351% | 38.351% | 04/27/2026 | 762 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Housing Allowance]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $21,816.10 | 6.260% | $33,415.04 | 5.0 | None | No | No | 6.000% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 22.040% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.3 | No | No | $2,500.00 | $35,319.66 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128034 | XXXXX | Non QM | Yes | No | $2,510.88 | $6,524.49 | 7.271% | $10,423.65 | $10,423.65 | 7.250% | No | No | Self-Employed | US Citizen | $159,948.58 | 1 | $25,415.76 | $6,410.04 | $2,117.98 | $534.17 | 10.381% | 10.381% | 10.381% | 05/04/2026 | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | No | XXXXX | $2,510.88 | 6.260% | $2,000.00 | 3.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 26.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 95.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127586 | XXXXX | Non QM | Yes | No | $565.00 | $1,854.00 | 7.031% | $2,421.70 | $2,421.70 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $7,173.52 | 1 | $5,870.52 | $3,675.96 | $489.21 | $306.33 | 34.398% | 34.398% | 34.398% | 05/13/2026 | 781 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $565.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 7.000% | 1 | 2 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 32.300% | No | 9 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.6 | Yes | No | $0.00 | $6,046.93 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000120196 | XXXXX | Non QM | Yes | No | $1,345.00 | $3,666.33 | 6.277% | $5,208.33 | $7,309.28 | 6.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $33,599.53 | 1 | $43,614.00 | $6,386.04 | $3,634.50 | $532.17 | 39.267% | 35.470% | 39.267% | 02/27/2026 | 763 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,345.00 | 5.980% | $20,000.00 | 3.5 | None | No | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.3 | No | No | $43,115.38 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127105 | XXXXX | N/A | No | No | $717.82 | $717.82 | 7.875% | No | No | US Citizen | 1 | $897.84 | $3,329.04 | $74.82 | $277.42 | 0.000% | 0.000% | 0.000% | 04/23/2026 | 691 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128006 | XXXXX | Non QM | Yes | No | $12,243.00 | $6,238.57 | 8.661% | $2,823.45 | $2,823.45 | 8.500% | No | No | Self-Employed | US Citizen | $16,457.78 | 1 | $5,547.24 | $1,920.00 | $462.27 | $160.00 | 36.313% | 36.313% | 36.313% | 04/20/2026 | 808 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $12,243.00 | 6.260% | $24,320.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 0.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.4 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128103 | XXXXX | N/A | No | No | $1,025.90 | $1,025.90 | 7.621% | No | No | US Citizen | 1 | $4,656.60 | $2,460.00 | $388.05 | $205.00 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 692 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.621% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 40.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123468 | XXXXX | N/A | No | No | $1,087.81 | $1,087.81 | 7.375% | No | No | US Citizen | 1 | $6,079.68 | $2,133.24 | $506.64 | $177.77 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 70.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128106 | XXXXX | N/A | No | No | $3,697.85 | $3,697.85 | 7.875% | No | No | US Citizen | US Citizen | 1 | $2,293.32 | $1,182.00 | $191.11 | $98.50 | 0.000% | 0.000% | 0.000% | 05/19/2026 | 743 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.42 | XXXXX | XXXXX | 51.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126837 | XXXXX | N/A | No | No | $2,234.69 | $2,234.69 | 6.625% | No | No | US Citizen | 1 | $5,170.56 | $2,772.96 | $430.88 | $231.08 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 792 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 50.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000738 | XXXXX | Non QM | Yes | No | $11,750.38 | $12,659.80 | 6.460% | $3,469.26 | $3,469.26 | 6.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,453.80 | 1 | $4,107.96 | $1,689.96 | $342.33 | $140.83 | 47.178% | 47.178% | 47.178% | 03/13/2026 | 751 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2010 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,750.38 | 6.410% | $0.00 | 3.3 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.98 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000116979 | XXXXX | N/A | No | No | $1,024.50 | $1,024.50 | 6.625% | No | No | US Citizen | 1 | $1,913.28 | $1,140.00 | $159.44 | $95.00 | 0.000% | 0.000% | 0.000% | 05/15/2026 | 707 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126317 | XXXXX | N/A | No | No | $1,539.84 | $1,539.84 | 6.875% | No | No | US Citizen | US Citizen | 1 | $2,461.20 | $753.00 | $205.10 | $62.75 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 798 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 51.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126802 | XXXXX | N/A | No | No | $2,252.90 | $2,252.90 | 7.250% | No | No | US Citizen | 1 | $3,729.24 | $343.44 | $310.77 | $28.62 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.27 | XXXXX | XXXXX | 30.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127853 | XXXXX | Non QM | Yes | No | $4,915.00 | $4,411.79 | 6.690% | $3,265.59 | $3,265.59 | 6.625% | No | No | Employed | US Citizen | $10,238.95 | 1 | $7,243.56 | $1,677.96 | $603.63 | $139.83 | 31.740% | 31.740% | 31.740% | 04/22/2026 | 779 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,915.00 | 6.260% | $20,400.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 26.680% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128405 | XXXXX | Non QM | Yes | No | $4,030.00 | $10,048.54 | 7.194% | $5,365.28 | $6,095.39 | 7.639% | No | No | Employed | US Citizen | $15,323.00 | 1 | $25,431.00 | $2,063.04 | $2,119.25 | $171.92 | 38.772% | 40.011% | 38.772% | 04/21/2026 | 816 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $4,030.00 | 6.190% | $0.00 | 1.0 | None | Yes | No | 7.639% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 80.080% | No | 26 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 66.99 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127905 | XXXXX | N/A | No | No | $3,496.07 | $3,496.07 | 7.500% | No | No | US Citizen | 1 | $4,991.64 | $3,660.96 | $415.97 | $305.08 | 0.000% | 0.000% | 0.000% | 04/27/2026 | 807 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.24 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128024 | XXXXX | N/A | No | No | $2,494.88 | $2,494.88 | 7.000% | No | No | US Citizen | 2 | $6,727.80 | $1,857.00 | $560.65 | $154.75 | 0.000% | 0.000% | 0.000% | 02/02/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | XXXXX | XXXXX | 99.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 111.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125624 | XXXXX | Non QM | Yes | No | $6,120.00 | $7,916.07 | 6.424% | $2,308.94 | $2,308.94 | 6.250% | No | No | Non-Employment Income | US Citizen | $30,453.29 | 1 | $2,911.32 | $717.96 | $242.61 | $59.83 | 14.193% | 14.193% | 14.193% | 02/04/2026 | 800 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $6,120.00 | 6.370% | $0.00 | 1.3 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 797.82 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127906 | XXXXX | N/A | No | No | $1,681.74 | $1,681.74 | 6.875% | No | No | US Citizen | 1 | $3,521.76 | $2,036.52 | $293.48 | $169.71 | 0.000% | 0.000% | 0.000% | 04/27/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 29.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126478 | XXXXX | Non QM | Yes | No | $2,270.00 | $8,992.42 | 6.780% | $9,315.49 | $9,315.49 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $24,605.07 | 1 | $14,923.32 | $1,302.96 | $1,243.61 | $108.58 | 34.981% | 34.981% | 34.981% | 02/02/2026 | 758 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.300% | $0.00 | 1.5 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 49.440% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.21 | No | $0.00 | $13,203.92 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000773 | XXXXX | N/A | No | No | $994.57 | $994.57 | 7.375% | No | No | US Citizen | 1 | $3,946.44 | $1,601.88 | $328.87 | $133.49 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 788 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.8 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 59.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000720 | XXXXX | Non QM | Yes | No | $6,720.71 | $19,273.52 | 6.808% | $12,718.13 | $17,191.83 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $32,236.22 | 1 | $38,760.00 | $19,662.48 | $3,230.00 | $1,638.54 | 0.000% | 0.000% | 0.000% | 03/04/2026 | 784 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $6,720.71 | 6.300% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 315.94 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | AE | 05/19/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125805 | XXXXX | N/A | No | No | $1,005.94 | $1,005.94 | 7.000% | No | No | US Citizen | 1 | $3,339.00 | $1,681.92 | $278.25 | $140.16 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | XXXXX | XXXXX | 8.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126101 | XXXXX | N/A | No | No | $2,529.53 | $2,529.53 | 6.750% | No | No | US Citizen | 1 | $1,774.08 | $1,002.00 | $147.84 | $83.50 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Other | Other | No | 109.01 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000122533 | XXXXX | N/A | No | No | $1,149.63 | $1,149.63 | 6.875% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | $1,029.36 | $642.00 | $85.78 | $53.50 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 756 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 91.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 103.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124381 | XXXXX | N/A | No | No | $4,841.31 | $4,841.31 | 7.625% | No | No | US Citizen | 3 | $11,455.68 | $3,569.76 | $954.64 | $297.48 | 0.000% | 0.000% | 0.000% | 05/20/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 33.350% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127681 | XXXXX | N/A | No | No | $2,900.53 | $2,900.53 | 6.750% | No | No | US Citizen | 1 | $6,116.64 | $987.96 | $509.72 | $82.33 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | XXXXX | 38.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000718 | XXXXX | Non QM | Yes | No | $1,995.00 | $3,414.83 | 7.238% | $1,953.78 | $1,953.78 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,409.27 | 1 | $5,509.20 | $2,071.68 | $459.10 | $172.64 | 0.000% | 0.000% | 0.000% | 04/23/2026 | 702 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,995.00 | 6.300% | $1,000.00 | 2.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 120 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 480.47 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127871 | XXXXX | N/A | No | No | $1,083.28 | $1,083.28 | 6.875% | No | No | US Citizen | 1 | $5,916.36 | $1,017.36 | $493.03 | $84.78 | 0.000% | 0.000% | 0.000% | 04/24/2026 | 737 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 48.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128105 | XXXXX | N/A | No | No | $917.01 | $917.01 | 7.750% | No | No | US Citizen | 1 | $2,045.76 | $764.04 | $170.48 | $63.67 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 808 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | XXXXX | XXXXX | 33.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126014 | XXXXX | Non QM | Yes | No | $3,289.03 | $5,705.74 | 7.116% | $3,308.88 | $3,702.22 | 7.616% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,981.83 | 1 | $8,703.24 | $3,166.44 | $725.27 | $263.87 | 33.713% | 31.339% | 33.713% | 04/13/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,289.03 | 6.100% | $500.00 | 2.6 | None | Yes | No | 7.616% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 58.330% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128556 | XXXXX | N/A | No | No | $2,709.16 | $2,709.16 | 6.250% | No | No | US Citizen | 1 | $8,723.76 | $1,391.88 | $726.98 | $115.99 | 0.000% | 0.000% | 0.000% | 04/30/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 274.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125778 | XXXXX | N/A | No | No | $1,491.86 | $1,491.86 | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | $7,356.60 | $4,251.96 | $613.05 | $354.33 | 0.000% | 0.000% | 0.000% | 03/16/2026 | 755 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.74 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128473 | XXXXX | Non QM | Yes | No | $1,780.00 | $5,124.96 | 6.758% | $10,068.75 | $11,609.91 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $26,818.18 | 1 | $22,088.40 | $3,656.40 | $1,840.70 | $304.70 | 37.809% | 34.235% | 37.809% | 02/10/2026 | 762 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Vesting Schedule - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,780.00 | 6.260% | $7,500.00 | 1.3 | None | Yes | No | 6.750% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 360 | XXXXX | XXXXX | 100.000% | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 175.04 | No | No | $0.00 | $23,539.17 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124338 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,814.93 | 7.186% | $9,607.36 | $10,508.49 | 7.649% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $14,394.75 | 1 | $21,268.08 | $5,763.00 | $1,772.34 | $480.25 | 49.950% | 46.817% | 49.950% | 04/06/2026 | 738 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.080% | $0.00 | 1.7 | None | Yes | No | 7.649% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 54.830% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.07 | No | No | $7,965.64 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128455 | XXXXX | N/A | No | No | $1,245.31 | $1,245.31 | 6.750% | No | No | US Citizen | 1 | $3,424.80 | $929.04 | $285.40 | $77.42 | 0.000% | 0.000% | 0.000% | 04/23/2026 | 720 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | XXXXX | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127596 | XXXXX | N/A | No | No | $3,152.10 | $4,491.63 | 7.338% | $884.85 | $884.85 | 7.000% | No | No | Not Employed | Not Employed | Employed | 12.8 | US Citizen | US Citizen | $19,835.01 | 1 | $1,159.44 | $891.96 | $96.62 | $74.33 | 30.454% | 30.454% | 30.454% | 04/03/2026 | 811 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,152.10 | 6.260% | $0.00 | 5.0 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.19 | No | No | $0.00 | $28,520.85 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000751 | XXXXX | Non QM | Yes | No | $3,574.00 | $4,783.83 | 6.703% | $3,521.71 | $3,521.71 | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $5,522.10 | 1 | $9,132.96 | $7,546.08 | $761.08 | $628.84 | 53.632% | 53.632% | 53.632% | 04/20/2026 | 795 | No | Yes | 24 | Business | 25.000% | 100.000% | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $3,574.00 | 6.260% | $0.00 | 1.8 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.6 | No | $2,984.03 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127250 | XXXXX | Non QM | Yes | No | $2,390.00 | $3,188.00 | 6.924% | $4,204.34 | $4,204.34 | 6.875% | No | No | Employed | Permanent Resident Alien | $9,059.21 | 1 | $10,308.96 | $840.00 | $859.08 | $70.00 | 39.605% | 39.605% | 39.605% | 04/27/2026 | 778 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,390.00 | 6.260% | $0.00 | 3.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 5.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121266 | XXXXX | N/A | No | No | $5,905.59 | $5,905.59 | 8.999% | No | No | US Citizen | 1 | $19,737.12 | $2,604.96 | $1,644.76 | $217.08 | 0.000% | 0.000% | 0.000% | 01/12/2026 | 684 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 4.0 | Yes | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.61 | 1.63 | 240 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.16 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121285 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,324.76 | $14,938.69 | 7.060% | $3,093.02 | $3,093.02 | 6.750% | No | No | Self-Employed | US Citizen | $56,668.94 | 1 | $7,012.92 | $1,101.96 | $584.41 | $91.83 | 16.030% | 16.030% | 16.030% | 01/15/2026 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $12,324.76 | 6.020% | $5,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 19.400% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.66 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128509 | XXXXX | Non QM | Yes | No | $9,759.42 | $11,173.49 | 6.695% | $1,490.04 | $1,490.04 | 6.250% | No | No | Self-Employed | US Citizen | $3,055.98 | 1 | $3,551.16 | $1,308.60 | $295.93 | $109.05 | 40.661% | 40.661% | 40.661% | 03/16/2026 | 756 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $9,759.42 | 6.320% | $0.00 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 0.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128574 | XXXXX | N/A | No | No | $1,563.49 | $1,563.49 | 6.875% | No | No | US Citizen | US Citizen | 1 | $3,132.00 | $2,129.88 | $261.00 | $177.49 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 782 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.5 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | XXXXX | 52.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126857 | XXXXX | N/A | No | No | $1,751.67 | $1,751.67 | 7.125% | No | No | US Citizen | US Citizen | 1 | $4,193.28 | $668.04 | $349.44 | $55.67 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 738 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | XXXXX | XXXXX | 64.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127652 | XXXXX | N/A | No | No | $796.33 | $796.33 | 8.125% | No | No | Permanent Resident Alien | 1 | $674.52 | $1,275.96 | $56.21 | $106.33 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 663 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | XXXXX | No | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126249 | XXXXX | Non QM | Yes | No | $1,290.00 | $1,826.70 | 6.793% | $2,283.07 | $2,283.07 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $4,557.47 | 1 | $5,121.00 | $1,558.44 | $426.75 | $129.87 | 48.088% | 48.088% | 48.088% | 04/21/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,290.00 | 6.300% | $0.00 | 1.0 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 49.910% | No | 21 | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.36 | Yes | No | $0.00 | $3,466.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128577 | XXXXX | Non QM | Yes | No | $1,990.00 | $3,542.11 | 6.908% | $5,938.64 | $5,938.64 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $49,533.32 | 1 | $14,901.12 | $3,894.96 | $1,241.76 | $324.58 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,990.00 | 6.320% | $0.00 | 4.4 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 475.51 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127286 | XXXXX | N/A | No | No | $882.09 | $882.09 | 6.750% | No | No | US Citizen | 2 | $828.48 | $1,961.04 | $69.04 | $163.42 | 0.000% | 0.000% | 0.000% | 04/07/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.93 | 0.52 | XXXXX | XXXXX | 3.420% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 44.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126283 | XXXXX | Non QM | Yes | No | $2,199.00 | $4,288.50 | 6.771% | $13,182.76 | $13,182.76 | 6.750% | No | No | Non-Employment Income | US Citizen | $32,949.78 | 1 | $33,875.04 | $4,737.96 | $2,822.92 | $394.83 | 47.026% | 47.026% | 47.026% | 03/19/2026 | 761 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,199.00 | 6.300% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 6 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 319.98 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128820 | XXXXX | Non QM | Yes | No | $1,780.00 | $4,369.65 | 6.548% | $4,740.51 | $4,740.51 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,501.23 | 1 | $10,626.24 | $3,226.56 | $885.52 | $268.88 | 43.780% | 43.780% | 43.780% | 05/18/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,780.00 | 6.320% | $0.00 | 1.2 | None | Yes | No | 6.500% | 2 | 1 | 0 | 0 | 2 | 1 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | 9 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 127.6 | Yes | No | $0.00 | $7,453.33 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124587 | XXXXX | Non QM | Yes | No | $6,228.00 | $7,650.56 | 6.528% | $2,907.23 | $2,907.23 | 6.375% | No | No | Employed | Permanent Resident Alien | $6,257.74 | 1 | $7,493.40 | $1,418.04 | $624.45 | $118.17 | 36.998% | 36.998% | 36.998% | 04/02/2026 | 792 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $6,228.00 | 6.430% | $0.00 | 1.5 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 54.810% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 5.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128334 | XXXXX | N/A | No | No | $1,344.65 | $1,344.65 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | $4,446.72 | $1,910.64 | $370.56 | $159.22 | 0.000% | 0.000% | 0.000% | 04/30/2026 | 779 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126920 | XXXXX | Non QM | Yes | No | $2,661.68 | $13,041.42 | 6.796% | $11,596.93 | $11,596.93 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $23,266.83 | 1 | $24,971.76 | $2,689.44 | $2,080.98 | $224.12 | 41.125% | 41.125% | 41.125% | 04/22/2026 | 804 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $2,661.68 | 6.300% | $0.00 | 4.2 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 149.18 | No | No | $1,714.70 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128691 | XXXXX | N/A | No | No | $1,440.75 | $1,440.75 | 7.375% | No | No | US Citizen | 1 | $2,471.88 | $921.96 | $205.99 | $76.83 | 0.000% | 0.000% | 0.000% | 04/02/2026 | 780 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 113.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124938 | XXXXX | N/A | No | No | $2,208.80 | $2,208.80 | 7.000% | No | No | 0 | US Citizen | 1 | $3,820.92 | $2,125.68 | $318.41 | $177.14 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 760 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 13.410% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LP | Guarantor - Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.38 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127916 | XXXXX | N/A | No | No | $978.00 | $978.00 | 6.875% | No | No | US Citizen | US Citizen | 1 | $2,354.88 | $1,163.16 | $196.24 | $96.93 | 0.000% | 0.000% | 0.000% | 04/27/2026 | 793 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 62.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000810 | XXXXX | Non QM | Yes | No | $2,487.64 | $3,598.16 | 6.519% | $1,332.89 | $1,332.89 | 6.375% | No | No | Employed | US Citizen | $2,154.97 | 1 | $1,684.68 | $1,593.00 | $140.39 | $132.75 | 46.983% | 46.983% | 46.983% | 04/15/2026 | 770 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,487.64 | 6.410% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 83.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 78.4 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127032 | XXXXX | Non QM | Yes | No | $1,790.00 | $3,316.25 | 6.656% | $5,122.49 | $5,122.49 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,528.49 | 1 | $2,999.04 | $4,308.60 | $249.92 | $359.05 | 0.000% | 0.000% | 0.000% | 797 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,790.00 | 6.300% | $22,200.00 | 2.4 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 242.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125771 | XXXXX | N/A | No | No | $939.69 | $939.69 | 7.875% | No | No | US Citizen | 1 | $2,805.48 | $732.96 | $233.79 | $61.08 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.3 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 32.500% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127790 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,768.75 | 6.692% | $6,403.11 | $6,403.11 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $47,866.93 | 1 | $21,812.52 | $7,797.60 | $1,817.71 | $649.80 | 22.186% | 22.186% | 22.186% | 04/21/2026 | 715 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2008 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2008 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $5,335.00 | 1.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.09 | No | No | $30,757.31 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125573 | XXXXX | N/A | No | No | $3,200.73 | $3,200.73 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | $4,638.12 | $1,185.96 | $386.51 | $98.83 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 799 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.32 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 462.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128340 | XXXXX | N/A | No | No | $4,184.64 | $4,184.64 | 6.875% | No | No | US Citizen | 1 | $10,753.56 | $1,286.04 | $896.13 | $107.17 | 0.000% | 0.000% | 0.000% | 04/30/2026 | 750 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXXX | XXXXX | 71.650% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127045 | XXXXX | N/A | No | No | $1,043.23 | $1,043.23 | 7.500% | No | No | US Citizen | 1 | $1,022.04 | $939.96 | $85.17 | $78.33 | 0.000% | 0.000% | 0.000% | 01/20/2026 | 776 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.3 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 376.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124506 | XXXXX | Non QM | Yes | No | $2,576.89 | $8,633.79 | 7.079% | $4,184.75 | $4,184.75 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,625.87 | 1 | $10,987.56 | $4,511.04 | $915.63 | $375.92 | 43.243% | 43.243% | 43.243% | 04/06/2026 | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,576.89 | 6.430% | $10,500.00 | 1.6 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 36.780% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127851 | XXXXX | Non QM | Yes | No | $0.00 | $390.96 | 6.131% | $7,327.78 | $7,327.78 | 6.125% | No | No | Employed | US Citizen | $11,676.39 | 1 | $27,905.88 | $8,844.00 | $2,325.49 | $737.00 | 49.049% | 49.049% | 49.049% | 04/27/2026 | 749 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | 6.260% | $0.00 | 2.6 | None | No | No | 6.125% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | No | 7 | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127239 | XXXXX | Non QM | Yes | No | $1,380.00 | $1,852.58 | 6.929% | $1,944.46 | $1,944.46 | 6.875% | No | No | Non-Employment Income | US Citizen | $6,750.81 | 1 | $3,699.96 | $332.04 | $308.33 | $27.67 | 31.041% | 31.041% | 31.041% | 04/15/2026 | 816 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,380.00 | 6.300% | $6,900.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 63.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 68.66 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126607 | XXXXX | N/A | No | No | $537.90 | $537.90 | 7.375% | No | No | US Citizen | 1 | $1,678.44 | $1,464.96 | $139.87 | $122.08 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | XXXXX | XXXXX | 1.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128991 | XXXXX | Non QM | Yes | No | $1,640.00 | $6,440.72 | 6.427% | $6,772.11 | $6,772.11 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $19,032.40 | 1 | $20,874.96 | $1,362.96 | $1,739.58 | $113.58 | 41.288% | 41.288% | 41.288% | 05/05/2026 | 789 | No | No | [Borrower - |
Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.320% | $800.00 | 1.0 | None | No | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 29 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 216.15 | No | $0.00 | $13,833.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123943 | XXXXX | N/A | No | No | $3,341.24 | $3,341.24 | 8.125% | No | No | US Citizen | 1 | $1,175.52 | $1,152.84 | $97.96 | $96.07 | 0.000% | 0.000% | 0.000% | 04/06/2026 | 711 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | XXXXX | XXXXX | 32.260% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000888 | XXXXX | N/A | No | No | $1,504.47 | $1,504.47 | 7.750% | No | No | US Citizen | 2 | $7,150.32 | $1,158.96 | $595.86 | $96.58 | 0.000% | 0.000% | 0.000% | 04/29/2026 | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.69 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.29 | Yes | 24.990% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000725 | XXXXX | N/A | No | No | $1,491.84 | $1,491.84 | 6.500% | No | No | US Citizen | US Citizen | 1 | $1,791.00 | $1,293.00 | $149.25 | $107.75 | 0.000% | 0.000% | 0.000% | 04/15/2026 | 801 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 228.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000709 | XXXXX | N/A | No | No | $781.96 | $781.96 | 6.250% | No | No | US Citizen | 1 | $3,847.68 | $1,346.88 | $320.64 | $112.24 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 48.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126511 | XXXXX | N/A | No | No | $2,343.54 | $2,343.54 | 6.625% | No | No | US Citizen | 1 | $3,717.12 | $1,476.96 | $309.76 | $123.08 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 741 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 1.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126215 | XXXXX | Non QM | Yes | No | $3,514.50 | $6,649.88 | 6.298% | $7,080.75 | $7,080.75 | 6.250% | No | No | Non-Employment Income | US Citizen | $7,449.23 | 1 | $6,454.56 | $6,221.04 | $537.88 | $518.42 | 52.704% | 52.704% | 52.704% | 03/19/2026 | 737 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $3,514.50 | 6.300% | $0.00 | 2.4 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 224.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126307 | XXXXX | N/A | No | No | $4,765.66 | $4,765.66 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $11,812.56 | $3,483.84 | $984.38 | $290.32 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 789 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.27 | XXXXX | XXXXX | 58.440% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000744 | XXXXX | Non QM | Yes | No | $1,595.00 | $7,385.67 | 6.698% | $5,747.43 | $5,747.43 | 6.625% | No | No | Self-Employed | US Citizen | $11,537.33 | 1 | $14,025.00 | $2,466.00 | $1,168.75 | $205.50 | 53.452% | 53.452% | 53.452% | 04/23/2026 | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.260% | $6,078.00 | 2.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 7.650% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.86 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000717 | XXXXX | N/A | No | No | $1,643.26 | $1,643.26 | 6.250% | No | No | US Citizen | 1 | $8,248.44 | $1,577.04 | $687.37 | $131.42 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 170.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000606 | XXXXX | Non QM | Yes | No | $6,396.28 | $6,011.20 | 6.760% | $6,226.54 | $6,226.54 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,041.84 | 1 | $13,150.92 | $4,674.00 | $1,095.91 | $389.50 | 46.778% | 46.778% | 46.778% | 03/09/2026 | 753 | No | No | Borrower Prepared | [Borrower - |
Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $6,396.28 | 6.320% | $3,000.00 | 1.4 | None | No | No | 6.750% | 3 | 0 | 2 | 0 | 3 | 2 | 12.00 | No | XXXXX | XXXXX | 31.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000788 | XXXXX | N/A | No | No | $16,537.00 | $6,158.51 | 6.264% | $1,913.52 | $1,913.52 | 6.125% | No | No | Not Employed | Employed | US Citizen | $10,387.65 | 2 | $1,460.16 | $551.04 | $121.68 | $45.92 | 19.261% | 19.261% | 19.261% | 05/06/2026 | 782 | No | No | [Coborrower(s) - |
Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $16,537.00 | 6.320% | $2,099.50 | None | No | No | 6.125% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 64.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 75.63 | No | No | $0.00 | $12,865.78 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128784 | XXXXX | N/A | No | No | $1,843.75 | $1,843.75 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $2,748.48 | $2,172.96 | $229.04 | $181.08 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 802 | Level 2-Stated/Not Verified | No | No | DSCR | 1 | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.69 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124675 | XXXXX | N/A | No | No | $1,703.20 | $1,703.20 | 7.375% | No | No | US Citizen | US Citizen | 1 | $3,644.16 | $904.68 | $303.68 | $75.39 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 745 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | XXXXX | XXXXX | 36.360% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 13.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127084 | XXXXX | Non QM | Yes | No | $36,030.00 | $22,176.28 | 7.540% | $9,520.27 | $9,520.27 | 7.375% | No | No | Self-Employed | US Citizen | $20,141.29 | 1 | $21,537.48 | $5,338.32 | $1,794.79 | $444.86 | 38.181% | 38.181% | 38.181% | 05/07/2026 | 810 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | No | XXXXX | $36,030.00 | 6.300% | $10,228.00 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | XXXXX | XXXXX | 30.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126477 | XXXXX | N/A | No | No | $3,325.61 | $3,325.61 | 7.250% | No | No | 0 | US Citizen | US Citizen | 2 | $14,317.32 | $2,871.96 | $1,193.11 | $239.33 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 768 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | XXXXX | XXXXX | 45.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128272 | XXXXX | N/A | No | No | $668.25 | $668.25 | 8.125% | No | No | US Citizen | 1 | $2,461.32 | $297.96 | $205.11 | $24.83 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 778 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | XXXXX | XXXXX | 59.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128171 | XXXXX | N/A | No | No | $4,976.46 | $4,976.46 | 7.000% | No | No | US Citizen | 1 | $15,092.88 | $3,204.00 | $1,257.74 | $267.00 | 0.000% | 0.000% | 0.000% | 02/19/2026 | 789 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 999.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | XXXXX | XXXXX | 37.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127721 | XXXXX | Non QM | Yes | No | $6,190.00 | $7,216.40 | 7.423% | $1,563.03 | $1,563.03 | 7.125% | No | No | Self-Employed | US Citizen | $4,204.88 | 1 | $3,123.00 | $2,379.00 | $260.25 | $198.25 | 46.590% | 46.590% | 46.590% | 02/17/2026 | 717 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,190.00 | 6.260% | $3,500.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 31.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126462 | XXXXX | Non QM | Yes | No | $2,270.00 | $5,520.90 | 7.059% | $4,657.12 | $4,657.12 | 7.000% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,881.58 | 1 | $6,000.60 | $1,577.04 | $500.05 | $131.42 | 54.310% | 54.310% | 54.310% | 03/02/2026 | 804 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | No | XXXXX | $2,270.00 | 6.300% | $90,000.00 | 2.4 | None | No | No | 7.000% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 19.640% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.33 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127205 | XXXXX | N/A | No | No | $2,870.60 | $2,870.60 | 7.250% | No | No | 0 | Permanent Resident Alien | US Citizen | 1 | $5,568.24 | $1,457.04 | $464.02 | $121.42 | 0.000% | 0.000% | 0.000% | 03/23/2026 | 786 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127307 | XXXXX | Non QM | Yes | No | $1,640.00 | $1,878.42 | 6.334% | $11,931.51 | $11,931.51 | 6.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,062.24 | 1 | $38,715.72 | $3,707.04 | $3,226.31 | $308.92 | 0.000% | 0.000% | 0.000% | 04/10/2026 | 788 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.300% | $25,000.00 | 4.7 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 132.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128159 | XXXXX | N/A | No | No | $2,408.21 | $2,408.21 | 7.375% | No | No | US Citizen | 1 | $2,984.64 | $1,274.88 | $248.72 | $106.24 | 0.000% | 0.000% | 0.000% | 05/21/2026 | 721 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | XXXXX | XXXXX | 5.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 102.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128054 | XXXXX | N/A | No | No | $999.40 | $999.40 | 7.750% | No | No | US Citizen | US Citizen | 2 | $1,593.36 | $1,936.08 | $132.78 | $161.34 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 742 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127635 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,285.15 | 6.524% | $5,815.03 | $5,815.03 | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $11,179.98 | 1 | $2,859.96 | $2,114.04 | $238.33 | $176.17 | 48.832% | 48.832% | 48.832% | 04/13/2026 | 806 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $50,000.00 | 2.5 | None | Yes | No | 6.500% | 1 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 23.230% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 11.02 | No | $6,549.59 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127938 | XXXXX | N/A | No | No | $818.39 | $818.39 | 6.000% | No | No | US Citizen | 1 | $3,096.60 | $351.96 | $258.05 | $29.33 | 0.000% | 0.000% | 0.000% | 04/16/2026 | 766 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | No | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.87 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127524 | XXXXX | N/A | No | No | $2,553.26 | $2,553.26 | 7.999% | No | No | US Citizen | 1 | $4,794.24 | $1,059.96 | $399.52 | $88.33 | 0.000% | 0.000% | 0.000% | 05/05/2026 | 736 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 26.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126666 | XXXXX | N/A | No | No | $892.04 | $892.04 | 5.875% | No | No | Permanent Resident Alien | 1 | $6,265.08 | $1,047.36 | $522.09 | $87.28 | 0.000% | 0.000% | 0.000% | 03/31/2026 | 724 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.77 | XXXXX | XXXXX | 50.090% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127838 | XXXXX | Non QM | Yes | No | $1,640.00 | $9,296.90 | 6.276% | $7,388.61 | $7,388.61 | 6.250% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $27,798.82 | 1 | $22,598.64 | $3,833.88 | $1,883.22 | $319.49 | 28.457% | 28.457% | 28.457% | 03/12/2026 | 795 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 1.6 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 622.51 | No | No | $38,856.03 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000611 | XXXXX | N/A | No | No | $3,146.47 | $3,146.47 | 7.500% | No | No | US Citizen | 2 | $14,553.36 | $5,871.24 | $1,212.78 | $489.27 | 0.000% | 0.000% | 0.000% | 03/26/2026 | 713 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000836 | XXXXX | Non QM | Yes | No | $29,399.84 | $33,331.18 | 6.977% | $3,994.67 | $3,994.67 | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $6,353.38 | 1 | $14,247.24 | $1,330.44 | $1,187.27 | $110.87 | 54.618% | 54.618% | 54.618% | 05/06/2026 | 746 | No | Yes | 12 | Personal | 50.000% | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $29,399.84 | 6.600% | $0.00 | 3.1 | None | No | No | 6.500% | 2 | 0 | 0 | 0 | 5 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 220.94 | Yes | No | $6,963.75 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000654 | XXXXX | Non QM | Yes | No | $14,040.01 | $14,383.20 | 6.640% | $6,399.69 | $6,399.69 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $28,428.90 | 1 | $4,320.72 | $1,383.72 | $360.06 | $115.31 | 40.787% | 40.787% | 40.787% | 04/03/2026 | 745 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $14,040.01 | 6.410% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.02 | No | No | $24,005.69 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000728 | XXXXX | Non QM | Yes | No | $6,610.00 | $7,606.67 | 7.085% | $2,312.39 | $2,312.39 | 6.875% | No | No | Self-Employed | US Citizen | $7,382.71 | 1 | $2,088.00 | $1,382.04 | $174.00 | $115.17 | 38.754% | 38.754% | 38.754% | 04/15/2026 | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $6,610.00 | 6.410% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 1.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000705 | XXXXX | N/A | No | No | $879.73 | $879.73 | 5.750% | No | No | US Citizen | 1 | $1,754.64 | $891.48 | $146.22 | $74.29 | 0.000% | 0.000% | 0.000% | 04/18/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | XXXXX | XXXXX | 98.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 160.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000794 | XXXXX | Non QM | Yes | No | $10,150.00 | $2,153.81 | 5.812% | $2,614.04 | $2,614.04 | 6.000% | No | No | Employed | Employed | US Citizen | US Citizen | $5,926.84 | 1 | $4,338.00 | $2,025.00 | $361.50 | $168.75 | 41.020% | 41.020% | 41.020% | 05/06/2026 | 751 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $10,150.00 | 6.320% | $30,000.00 | 1.0 | None | Yes | No | 6.000% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 36.430% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.61 | Yes | No | $0.00 | $4,962.43 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000856 | XXXXX | N/A | No | No | $7,803.75 | $3,526.16 | 6.717% | $1,255.99 | $1,712.96 | 6.625% | No | No | Self-Employed | US Citizen | $22,630.47 | 1 | $3,286.20 | $1,585.44 | $273.85 | $132.12 | 35.342% | 34.036% | 35.342% | 05/14/2026 | 798 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,803.75 | 6.600% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 207.25 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000860 | XXXXX | Non QM | Yes | No | $1,775.00 | $7,155.85 | 6.286% | $5,295.17 | $5,295.17 | 6.250% | No | No | Self-Employed | US Citizen | $22,601.88 | 1 | $13,437.48 | $3,791.40 | $1,119.79 | $315.95 | 35.423% | 35.423% | 35.423% | 05/14/2026 | 798 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,775.00 | 6.600% | $7,500.00 | 1.2 | None | Yes | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 29.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000882 | XXXXX | Non QM | Yes | No | $1,775.00 | $10,419.23 | 6.535% | $6,500.00 | $8,946.88 | 6.500% | No | No | Non-Employment Income | US Citizen | $17,647.52 | 1 | $28,125.00 | $4,050.84 | $2,343.75 | $337.57 | 54.250% | 47.907% | 54.250% | 04/29/2026 | 809 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,775.00 | 6.420% | $0.00 | 2.8 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 402.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123466 | XXXXX | N/A | No | No | $25,240.00 | $5,668.80 | 6.688% | $3,022.27 | $3,022.27 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $5,827.48 | 1 | $12,447.48 | $1,919.04 | $1,037.29 | $159.92 | 46.530% | 46.530% | 46.530% | 03/26/2026 | 757 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $25,240.00 | 6.370% | $6,000.00 | 1.0 | None | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 29.930% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.6 | No | No | $0.00 | $5,936.48 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127722 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,269.18 | 6.677% | $1,106.12 | $1,106.12 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,406.21 | 1 | $14,855.88 | $1,526.88 | $1,237.99 | $127.24 | 25.950% | 25.950% | 25.950% | 03/30/2026 | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $15,000.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 457.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124644 | XXXXX | Non QM | Yes | No | $1,675.00 | $8,477.40 | 6.379% | $9,358.05 | $9,358.05 | 6.375% | No | No | Employed | Permanent Resident Alien | $17,793.08 | 1 | $37,995.24 | $6,041.04 | $3,166.27 | $503.42 | 46.256% | 46.256% | 46.256% | 03/10/2026 | 788 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,675.00 | 6.260% | $0.00 | 2.7 | None | No | No | 6.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 153.23 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128216 | XXXXX | Non QM | Yes | No | $1,640.00 | $3,528.60 | 6.663% | $5,020.04 | $5,020.04 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $10,904.50 | 1 | $9,458.40 | $2,208.96 | $788.20 | $184.08 | 47.041% | 47.041% | 47.041% | 05/12/2026 | 798 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.260% | $0.00 | 4.3 | None | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 33.220% | No | 27 | 35 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.53 | Yes | No | $0.00 | $8,545.74 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123277 | XXXXX | N/A | No | No | $921.65 | $921.65 | 7.125% | No | No | US Citizen | 1 | $5,504.52 | $1,285.08 | $458.71 | $107.09 | 0.000% | 0.000% | 0.000% | 03/24/2026 | 675 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125971 | XXXXX | Non QM | Yes | No | $15,770.00 | $23,939.88 | 6.705% | $4,367.09 | $4,367.09 | 6.375% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $9,779.22 | 1 | $10,626.12 | $1,868.04 | $885.51 | $155.67 | 44.824% | 44.824% | 44.824% | 04/17/2026 | 816 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $15,770.00 | 6.370% | $0.00 | 1.2 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 10.47 | No | No | $8,176.23 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000824 | XXXXX | N/A | No | No | $19,760.00 | $29,939.30 | 7.018% | $9,853.93 | $9,853.93 | 6.875% | No | No | Self-Employed | US Citizen | $331,320.46 | 1 | $24,921.24 | $6,478.20 | $2,076.77 | $539.85 | 8.623% | 8.623% | 8.623% | 03/23/2026 | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $19,760.00 | 6.420% | $0.00 | 3.8 | None | N/A | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 57.100% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 63.3 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000821 | XXXXX | Non QM | Yes | No | $1,595.00 | $3,343.34 | 6.970% | $11,443.20 | $11,443.20 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $24,198.81 | 1 | $13,453.92 | $3,615.96 | $1,121.16 | $301.33 | 44.913% | 44.913% | 44.913% | 05/11/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.410% | $0.00 | 1.0 | None | No | No | 7.000% | 2 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 43.640% | No | 28 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.18 | No | No | $0.00 | $22,518.90 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128407 | XXXXX | N/A | No | No | $1,664.56 | $1,664.56 | 8.375% | No | No | US Citizen | 1 | $7,809.96 | $1,343.76 | $650.83 | $111.98 | 0.000% | 0.000% | 0.000% | 05/07/2026 | 717 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 83.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128657 | XXXXX | N/A | No | No | $1,662.80 | $1,662.80 | 7.250% | No | No | US Citizen | 1 | $3,191.04 | $903.00 | $265.92 | $75.25 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 740 | No | No | DSCR | 1 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 121.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121930 | XXXXX | N/A | No | No | $663.56 | $663.56 | 7.625% | No | No | US Citizen | 1 | $4,767.00 | $936.00 | $397.25 | $78.00 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | XXXXX | XXXXX | 85.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127616 | XXXXX | N/A | No | No | $1,620.00 | $5,276.58 | 6.890% | $12,875.80 | $12,875.80 | 6.875% | No | No | Employed | US Citizen | $66,394.22 | 1 | $36,000.00 | $18,311.52 | $3,000.00 | $1,525.96 | 41.423% | 41.423% | 41.423% | 04/13/2026 | 728 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,620.00 | 6.260% | $0.00 | 1.9 | None | Yes | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | 282.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 05/26/2027 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121928 | XXXXX | N/A | No | No | $769.73 | $769.73 | 7.625% | No | No | US Citizen | 1 | $5,005.80 | $1,080.00 | $417.15 | $90.00 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 322.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121933 | XXXXX | N/A | No | No | $570.99 | $570.99 | 7.875% | No | No | US Citizen | 2 | $1,112.40 | $1,446.96 | $92.70 | $120.58 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.63 | 0.38 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 536.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121935 | XXXXX | N/A | No | No | $1,441.08 | $1,441.08 | 7.875% | No | No | US Citizen | 2 | $8,862.36 | $1,422.96 | $738.53 | $118.58 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.7 | XXXXX | XXXXX | 55.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121931 | XXXXX | N/A | No | No | $690.10 | $690.10 | 7.625% | No | No | US Citizen | 1 | $3,959.64 | $1,125.00 | $329.97 | $93.75 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.7 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125599 | XXXXX | Non QM | Yes | No | $2,320.00 | $31.26 | 7.363% | $8,260.47 | $8,260.47 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,541.29 | 1 | $11,650.92 | $2,057.40 | $970.91 | $171.45 | 41.105% | 41.105% | 41.105% | 03/02/2026 | 752 | No | Yes | 12 | Business | 67.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,320.00 | 6.220% | $0.00 | 1.7 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | 7 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.73 | No | $0.00 | $10,467.60 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121929 | XXXXX | N/A | No | No | $637.01 | $637.01 | 7.625% | No | No | US Citizen | 1 | $4,187.16 | $968.04 | $348.93 | $80.67 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 59.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127394 | XXXXX | Non QM | Yes | No | $19,175.00 | $14,338.64 | 6.282% | $4,447.71 | $4,447.71 | 6.125% | No | No | Employed | US Citizen | $9,062.05 | 1 | $9,066.24 | $758.28 | $755.52 | $63.19 | 39.174% | 39.174% | 39.174% | 04/25/2026 | 807 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $19,175.00 | 6.260% | $67,385.00 | 1.0 | None | No | No | 6.125% | 2 | 2 | 0 | 3 | 3 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 270.89 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121932 | XXXXX | N/A | No | No | $815.70 | $815.70 | 7.875% | No | No | US Citizen | 2 | $2,871.12 | $1,038.00 | $239.26 | $86.50 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000820 | XXXXX | Non QM | Yes | No | $1,695.00 | $4,366.94 | 6.198% | $2,126.64 | $2,126.64 | 6.125% | No | No | Employed | US Citizen | $8,056.94 | 1 | $9,543.24 | $5,054.76 | $795.27 | $421.23 | 30.941% | 30.941% | 30.941% | 05/11/2026 | 790 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,695.00 | 6.410% | $0.00 | 1.2 | None | Yes | No | 6.125% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 82.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000777 | XXXXX | Non QM | Yes | No | $3,713.15 | $5,781.83 | 6.293% | $6,865.25 | $6,865.25 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $11,034.20 | 1 | $25,686.60 | $1,979.04 | $2,140.55 | $164.92 | 54.575% | 54.575% | 54.575% | 04/12/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | No | XXXXX | $3,713.15 | 6.320% | $0.00 | 1.9 | None | No | No | 6.250% | 1 | 2 | 0 | 0 | 3 | 1 | 0.00 | No | XXXXX | XXXXX | 68.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 157.56 | Yes | No | $0.00 | $13,124.76 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127852 | XXXXX | N/A | No | No | $2,973.36 | $2,973.36 | 7.375% | No | No | US Citizen | 1 | $4,346.76 | $1,137.00 | $362.23 | $94.75 | 0.000% | 0.000% | 0.000% | 02/20/2026 | 795 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.7 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.25 | XXXXX | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 43.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128702 | XXXXX | N/A | No | No | $1,453.76 | $1,453.76 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | $3,800.04 | $1,760.04 | $316.67 | $146.67 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 786 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | XXXXX | XXXXX | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127204 | XXXXX | N/A | No | No | $2,140.37 | $2,140.37 | 6.750% | No | No | US Citizen | US Citizen | 1 | $8,755.44 | $941.04 | $729.62 | $78.42 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 783 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 70.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 57.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128838 | XXXXX | Non QM | Yes | No | $2,465.00 | $7,079.60 | 6.579% | $4,955.41 | $4,955.41 | 6.500% | No | No | Self-Employed | US Citizen | $30,777.02 | 1 | $14,978.04 | $3,783.96 | $1,248.17 | $315.33 | 18.183% | 18.183% | 18.183% | 04/27/2026 | 797 | No | No | [Borrower - |
Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | No | XXXXX | $2,465.00 | 6.320% | $10,000.00 | 3.5 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | No | XXXXX | XXXXX | 12.560% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 29.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127569 | XXXXX | N/A | No | No | $1,734.77 | $1,734.77 | 7.250% | No | No | US Citizen | 1 | $4,609.44 | $6,834.96 | $384.12 | $569.58 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.08 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127466 | XXXXX | N/A | No | No | $820.88 | $820.88 | 8.375% | No | No | US Citizen | 1 | $4,988.64 | $1,272.00 | $415.72 | $106.00 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.1 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | XXXXX | XXXXX | 32.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 5.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000121934 | XXXXX | N/A | No | No | $734.13 | $734.13 | 7.875% | No | No | US Citizen | 2 | $3,555.00 | $1,104.96 | $296.25 | $92.08 | 0.000% | 0.000% | 0.000% | 05/01/2026 | 753 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 369.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123608 | XXXXX | N/A | No | No | $2,611.85 | $2,611.85 | 8.750% | No | No | US Citizen | 2 | $2,277.24 | $3,372.96 | $189.77 | $281.08 | 0.000% | 0.000% | 0.000% | 02/13/2026 | 684 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128856 | XXXXX | N/A | No | No | $4,968.75 | $4,968.75 | 6.625% | No | No | US Citizen | 1 | $24,651.60 | $7,760.40 | $2,054.30 | $646.70 | 0.000% | 0.000% | 0.000% | 04/30/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | 240 | XXXXX | XXXXX | 67.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8135.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127709 | XXXXX | Non QM | Yes | No | $2,370.00 | $3,283.65 | 6.599% | $1,864.60 | $1,864.60 | 6.500% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $10,058.96 | 1 | $2,815.20 | $1,572.00 | $234.60 | $131.00 | 30.936% | 30.936% | 30.936% | 04/22/2026 | 773 | Yes | No | [Coborrower(s) - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,370.00 | 6.260% | $0.00 | 2.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 511.22 | No | No | $14,564.66 | $0.00 | No | No | No | No | 2 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000750 | XXXXX | Non QM | Yes | No | $2,490.00 | $6,312.53 | 6.421% | $4,523.06 | $4,523.06 | 6.375% | No | No | Self-Employed | US Citizen | $13,172.92 | 1 | $11,845.32 | $1,910.04 | $987.11 | $159.17 | 32.319% | 32.319% | 32.319% | 04/28/2026 | 808 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.260% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000767 | XXXXX | N/A | No | No | $877.40 | $877.40 | 6.250% | No | No | US Citizen | 1 | $4,631.76 | $756.96 | $385.98 | $63.08 | 0.000% | 0.000% | 0.000% | 04/29/2026 | 797 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 71.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000805 | XXXXX | N/A | No | No | $1,663.69 | $1,663.69 | 6.875% | No | No | US Citizen | 1 | $2,295.36 | $998.04 | $191.28 | $83.17 | 0.000% | 0.000% | 0.000% | 03/09/2026 | 810 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 337.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000803 | XXXXX | N/A | No | No | $993.22 | $993.22 | 6.875% | No | No | US Citizen | 1 | $6,386.28 | $1,716.60 | $532.19 | $143.05 | 0.000% | 0.000% | 0.000% | 05/07/2026 | 757 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000708 | XXXXX | N/A | No | No | $1,622.01 | $1,622.01 | 6.375% | No | No | US Citizen | 1 | $1,885.80 | $806.04 | $157.15 | $67.17 | 0.000% | 0.000% | 0.000% | 03/27/2026 | 769 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 154.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000698 | XXXXX | N/A | No | No | $1,523.08 | $1,523.08 | 7.000% | No | No | US Citizen | 1 | $2,499.60 | $714.00 | $208.30 | $59.50 | 0.000% | 0.000% | 0.000% | 03/29/2026 | 764 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 38.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000797 | XXXXX | Non QM | Yes | No | $1,695.00 | $3,390.49 | 6.552% | $2,098.47 | $2,098.47 | 6.500% | No | No | Employed | US Citizen | $13,863.35 | 1 | $3,778.80 | $2,648.28 | $314.90 | $220.69 | 33.278% | 33.278% | 33.278% | 04/21/2026 | 810 | No | No | [Borrower - |
Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,695.00 | 6.320% | $0.00 | 3.3 | None | Yes | No | 6.500% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 120.13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124478 | XXXXX | Non QM | Yes | No | $2,717.00 | $6,324.93 | 6.656% | $1,896.20 | $1,896.20 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,796.18 | 1 | $6,736.08 | $4,236.00 | $561.34 | $353.00 | 43.198% | 43.198% | 43.198% | 03/25/2026 | 775 | Yes | No | [Borrower - |
Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $2,717.00 | 6.430% | $15,672.36 | 1.2 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 619.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000117966 | XXXXX | N/A | No | No | $2,388.80 | $2,388.80 | 7.625% | No | No | US Citizen | 3 | $6,534.96 | $5,510.04 | $544.58 | $459.17 | 0.000% | 0.000% | 0.000% | 04/21/2026 | 739 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.26 | XXXXX | XXXXX | 16.150% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 41.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126784 | XXXXX | N/A | No | No | $1,697.71 | $1,697.71 | 5.875% | No | No | US Citizen | 2 | $6,046.68 | $1,470.96 | $503.89 | $122.58 | 0.000% | 0.000% | 0.000% | 03/17/2026 | 799 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.79 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 142.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000701 | XXXXX | N/A | No | No | $1,015.93 | $1,015.93 | 6.250% | No | No | US Citizen | 1 | $1,271.40 | $1,374.96 | $105.95 | $114.58 | 0.000% | 0.000% | 0.000% | 04/20/2026 | 758 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | XXXXX | XXXXX | 87.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127137 | XXXXX | Non QM | Yes | No | $7,500.77 | $8,247.03 | 6.598% | $3,445.96 | $3,445.96 | 6.500% | No | No | Self-Employed | US Citizen | $45,404.52 | 1 | $3,196.56 | $1,563.48 | $266.38 | $130.29 | 12.896% | 12.896% | 12.896% | 03/19/2026 | 775 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense
Ratio: 85.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 85.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $7,500.77 | 6.300% | $15,409.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 6.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 19.87 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000848 | XXXXX | N/A | No | No | $4,093.06 | $4,093.06 | 7.250% | No | No | US Citizen | 1 | $1,704.24 | $1,838.28 | $142.02 | $153.19 | 0.000% | 0.000% | 0.000% | 04/17/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000884 | XXXXX | Non QM | Yes | No | $1,775.00 | $20,863.40 | 6.783% | $19,457.94 | $19,457.94 | 6.750% | No | No | Non-Employment Income | US Citizen | $70,950.76 | 1 | $67,461.36 | $9,160.68 | $5,621.78 | $763.39 | 29.772% | 29.772% | 29.772% | 05/18/2026 | 745 | Yes | No | [Borrower - |
Non-Primary Income - Alimony]; Divorce Decree - 2019 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2018 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $1,775.00 | 6.420% | $0.00 | 1.3 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 170 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000690 | XXXXX | N/A | No | No | $1,478.52 | $1,478.52 | 6.375% | No | No | US Citizen | 1 | $3,670.92 | $1,582.08 | $305.91 | $131.84 | 0.000% | 0.000% | 0.000% | 04/13/2026 | 746 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 312.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000697 | XXXXX | N/A | No | No | $1,090.27 | $1,090.27 | 6.500% | No | No | US Citizen | 1 | $1,210.08 | $1,209.96 | $100.84 | $100.83 | 0.000% | 0.000% | 0.000% | 03/21/2026 | 768 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.69 | XXXXX | XXXXX | 0.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000814 | XXXXX | Non QM | Yes | No | $1,595.00 | $9,715.52 | 6.517% | $10,997.98 | $10,997.98 | 6.500% | No | No | Self-Employed | US Citizen | $36,118.51 | 1 | $9,889.56 | $11,832.96 | $824.13 | $986.08 | 35.308% | 35.308% | 35.308% | 03/26/2026 | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,595.00 | 6.410% | $0.00 | 2.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.61 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000802 | XXXXX | Non QM | Yes | No | $2,490.00 | $9,891.87 | 6.517% | $10,934.78 | $10,934.78 | 6.500% | No | No | Self-Employed | US Citizen | $28,889.75 | 1 | $41,031.72 | $15,932.64 | $3,419.31 | $1,327.72 | 36.628% | 36.628% | 36.628% | 05/28/2026 | 735 | No | Yes | 24 | Business | 100.000% | 25.900% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.90% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,490.00 | 6.420% | $0.00 | 1.6 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Trustee | No | Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 89.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/08/2027 | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000765 | XXXXX | N/A | No | No | $1,114.09 | $1,114.09 | 6.625% | No | No | US Citizen | 1 | $1,552.44 | $1,071.96 | $129.37 | $89.33 | 0.000% | 0.000% | 0.000% | 05/26/2026 | 705 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | XXXXX | XXXXX | 77.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000712 | XXXXX | N/A | No | No | $2,665.29 | $2,665.29 | 6.625% | No | No | US Citizen | 1 | $10,956.36 | $2,349.96 | $913.03 | $195.83 | 0.000% | 0.000% | 0.000% | 05/31/2026 | 702 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.28 | XXXXX | XXXXX | 56.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | A99 | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000841 | XXXXX | N/A | No | No | $1,642.34 | $1,642.34 | 6.375% | No | No | US Citizen | US Citizen | 1 | $4,600.56 | $1,356.00 | $383.38 | $113.00 | 0.000% | 0.000% | 0.000% | 05/06/2026 | 790 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | XXXXX | XXXXX | 7.770% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128003 | XXXXX | N/A | No | No | $1,353.72 | $1,353.72 | 7.375% | No | No | US Citizen | 1 | $4,375.80 | $983.04 | $364.65 | $81.92 | 0.000% | 0.000% | 0.000% | 04/14/2026 | 744 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | XXXXX | XXXXX | 65.780% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128038 | XXXXX | Non QM | Yes | No | $4,699.17 | $1,473.71 | 6.626% | $2,628.12 | $2,628.12 | 6.625% | No | No | Employed | US Citizen | $6,499.25 | 1 | $19,484.04 | $6,518.04 | $1,623.67 | $543.17 | 43.049% | 43.049% | 43.049% | 04/29/2026 | 768 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | WVOE | 1 | 0 | 0 | No | XXXXX | $4,699.17 | 6.260% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 20.39 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128454 | XXXXX | N/A | No | No | $26,802.00 | $15,064.19 | 6.944% | $4,222.37 | $4,222.37 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | China | $69,897.08 | 1 | $11,625.00 | $1,041.96 | $968.75 | $86.83 | 8.444% | 8.444% | 8.444% | 05/20/2026 | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $26,802.00 | 6.600% | $0.00 | 1.7 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 62.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127854 | XXXXX | N/A | No | No | $8,565.10 | $8,565.10 | 6.875% | No | No | US Citizen | 1 | $33,299.40 | $15,436.80 | $2,774.95 | $1,286.40 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 784 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.21 | 240 | XXXXX | XXXXX | 91.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 116.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000774 | XXXXX | N/A | No | No | $1,639.20 | $1,639.20 | 6.625% | No | No | US Citizen | US Citizen | 1 | $2,620.44 | $1,104.96 | $218.37 | $92.08 | 0.000% | 0.000% | 0.000% | 04/18/2026 | 809 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125139 | XXXXX | Non QM | Yes | No | $2,204.61 | $6,925.62 | 6.742% | $2,759.74 | $2,759.74 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $5,199.15 | 1 | $14,022.96 | $2,319.00 | $1,168.58 | $193.25 | 44.541% | 44.541% | 44.541% | 04/10/2026 | 800 | No | No | [Borrower - |
Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,204.61 | 6.430% | $0.00 | 1.8 | None | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 107.94 | Yes | No | $0.00 | $114.07 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000872 | XXXXX | N/A | No | No | $1,050.56 | $1,050.56 | 6.875% | No | No | US Citizen | 1 | $2,018.04 | $1,245.96 | $168.17 | $103.83 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 775 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | XXXXX | XXXXX | 71.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 70.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127719 | XXXXX | Non QM | Yes | No | $1,970.00 | $4,696.20 | 6.813% | $3,009.50 | $3,009.50 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,843.09 | 1 | $10,163.16 | $2,076.00 | $846.93 | $173.00 | 41.822% | 41.822% | 41.822% | 04/29/2026 | 806 | No | Yes | 72 | Personal, Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; D1C Income Verification Report - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; D1C Income Verification Report - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; D1C Income Verification Report - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,970.00 | 6.260% | $5,000.00 | 3.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 24 | 0.00 | No | XXXXX | XXXXX | 51.460% | No | 24 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 86.45 | No | $7,426.92 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126813 | XXXXX | N/A | No | No | $2,095.00 | $3,471.71 | 7.328% | $2,046.53 | $2,046.53 | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $36,708.13 | 2 | $5,684.76 | $2,162.40 | $473.73 | $180.20 | 10.483% | 10.483% | 10.483% | 06/11/2026 | 756 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $2,095.00 | 6.300% | $0.00 | None | No | No | 7.250% | 4 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 41.140% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 22.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/12/2027 | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125797 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $19,531.00 | $16,935.93 | 6.864% | $4,041.64 | $4,041.64 | 6.625% | No | No | Self-Employed | US Citizen | $7,861.71 | 1 | $6,101.52 | $2,000.04 | $508.46 | $166.67 | 37.499% | 37.499% | 37.499% | 05/29/2026 | 794 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $19,531.00 | 6.520% | $30,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | XXXXX | XXXXX | 29.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000129173 | XXXXX | Non QM | Yes | No | $4,037.87 | $7,975.03 | 7.234% | $1,971.95 | $1,971.95 | 7.000% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,362.45 | 1 | $7,761.24 | $839.04 | $646.77 | $69.92 | 45.230% | 45.230% | 45.230% | 05/01/2026 | 803 | No | Yes | 12 | Business | 56.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Child Support]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Child Support]; Child Support Order - 2023 [Coborrower(s) - | Non-Primary Income - Child Support]; Divorce Decree - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $4,037.87 | 6.320% | $3,000.00 | 2.6 | None | Yes | No | 7.000% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 38.190% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 18.47 | No | $1,625.09 | $1,853.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000762 | XXXXX | N/A | No | No | $1,226.60 | $1,226.60 | 6.375% | No | No | US Citizen | 1 | $8,781.96 | $1,101.96 | $731.83 | $91.83 | 0.000% | 0.000% | 0.000% | 03/20/2026 | 785 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.2 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | XXXXX | XXXXX | 40.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000902 | XXXXX | N/A | No | No | $1,114.10 | $1,114.10 | 6.875% | No | No | US Citizen | US Citizen | 1 | $752.76 | $1,036.68 | $62.73 | $86.39 | 0.000% | 0.000% | 0.000% | 05/18/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | XXXXX | XXXXX | 59.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000862 | XXXXX | N/A | No | No | $1,167.41 | $1,167.41 | 6.750% | No | No | US Citizen | 1 | $2,243.16 | $831.60 | $186.93 | $69.30 | 0.000% | 0.000% | 0.000% | 05/03/2026 | 781 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 562.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000128909 | XXXXX | N/A | No | No | $3,933.36 | $3,933.36 | 6.500% | No | No | US Citizen | 1 | $6,801.84 | $10,249.56 | $566.82 | $854.13 | 0.000% | 0.000% | 0.000% | 04/09/2026 | 796 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.4 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 122.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126634 | XXXXX | Non QM | Yes | No | $1,640.00 | $7,123.31 | 6.683% | $5,122.49 | $5,122.49 | 6.625% | No | No | Employed | US Citizen | $12,587.11 | 1 | $8,660.04 | $3,272.04 | $721.67 | $272.67 | 37.231% | 37.231% | 37.231% | 04/22/2026 | 797 | No | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.520% | $0.00 | 4.6 | None | No | No | 6.625% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 342.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126356 | XXXXX | N/A | No | No | $5,050.56 | $5,050.56 | 7.375% | No | No | US Citizen | US Citizen | 2 | $6,645.00 | $2,973.96 | $553.75 | $247.83 | 0.000% | 0.000% | 0.000% | 766 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 52.22 | Yes | 18.000% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000124614 | XXXXX | Non QM | Yes | No | $2,435.50 | $4,681.54 | 6.456% | $2,682.64 | $2,682.64 | 6.375% | No | No | Employed | US Citizen | $5,906.85 | 1 | $14,301.84 | $1,259.04 | $1,191.82 | $104.92 | 41.425% | 41.425% | 41.425% | 03/17/2026 | 787 | No | No | [Borrower - |
Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE | 0 | 0 | 0 | No | XXXXX | $2,435.50 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | XXXXX | XXXXX | 34.580% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125979 | XXXXX | Non QM | Yes | No | $1,640.00 | $4,409.71 | 6.413% | $3,743.22 | $3,743.22 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,122.94 | 1 | $28,985.76 | $6,956.04 | $2,415.48 | $579.67 | 33.935% | 33.935% | 33.935% | 04/17/2026 | 798 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.370% | $0.00 | 3.7 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 70.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 111.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000126849 | XXXXX | N/A | No | No | $2,821.40 | $2,821.40 | 6.750% | No | No | US Citizen | US Citizen | 1 | $5,578.32 | $698.04 | $464.86 | $58.17 | 0.000% | 0.000% | 0.000% | 04/08/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.2 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | XXXXX | XXXXX | 55.070% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000769 | XXXXX | N/A | No | No | $2,456.80 | $2,456.80 | 6.500% | No | No | US Citizen | 1 | $9,717.36 | $918.00 | $809.78 | $76.50 | 0.000% | 0.000% | 0.000% | 02/26/2026 | 747 | No | No | DSCR | 0 | 0 | 0 | Yes | XXXXX | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | XXXXX | XXXXX | 75.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 56.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000894 | XXXXX | N/A | No | No | $1,032.50 | $1,032.50 | 7.875% | No | No | US Citizen | 1 | $5,754.96 | $1,863.36 | $479.58 | $155.28 | 0.000% | 0.000% | 0.000% | 04/28/2026 | 740 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.4 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | XXXXX | XXXXX | 28.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000804 | XXXXX | Non QM | Yes | No | $1,775.00 | $4,619.16 | 6.467% | $2,433.09 | $2,433.09 | 6.375% | No | No | Self-Employed | US Citizen | $7,747.45 | 1 | $13,214.16 | $1,020.96 | $1,101.18 | $85.08 | 45.065% | 45.065% | 45.065% | 04/30/2026 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,775.00 | 6.520% | $0.00 | 1.8 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 11.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000849 | XXXXX | Non QM | Yes | No | $11,065.20 | $14,728.23 | 9.434% | $2,274.27 | $2,274.27 | 8.875% | No | No | Self-Employed | US Citizen | $5,541.56 | 1 | $5,634.96 | $1,476.00 | $469.58 | $123.00 | 36.050% | 36.050% | 36.050% | 05/12/2026 | 752 | No | Yes | 24 | Business | 100.000% | 99.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $11,065.20 | 6.600% | $5,000.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | XXXXX | XXXXX | 24.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000934 | XXXXX | N/A | No | No | $2,266.40 | $2,266.40 | 6.875% | No | No | Permanent Resident Alien | 1 | $5,575.20 | $1,172.04 | $464.60 | $97.67 | 0.000% | 0.000% | 0.000% | 05/18/2026 | 777 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | XXXXX | XXXXX | 45.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000874 | XXXXX | Non QM | Yes | No | $1,695.00 | $4,719.57 | 6.408% | $1,467.09 | $1,467.09 | 6.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,684.34 | 1 | $14,974.08 | $2,266.20 | $1,247.84 | $188.85 | 42.602% | 42.602% | 42.602% | 04/17/2026 | 823 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,695.00 | 6.420% | $4,765.48 | 3.8 | None | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | XXXXX | XXXXX | 37.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.79 | No | $1,896.20 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000834 | XXXXX | Non QM | Yes | No | $1,695.00 | $3,677.50 | 6.709% | $1,920.93 | $1,920.93 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $9,716.82 | 1 | $7,727.64 | $1,500.60 | $643.97 | $125.05 | 32.288% | 32.288% | 32.288% | 05/21/2026 | 768 | No | No | [Borrower - |
Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,695.00 | 6.600% | $1,000.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | XXXXX | XXXXX | 54.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.34 | Yes | No | $9,779.40 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000859 | XXXXX | N/A | No | No | $998.89 | $998.89 | 6.625% | No | No | US Citizen | 1 | $1,849.20 | $2,832.60 | $154.10 | $236.05 | 0.000% | 0.000% | 0.000% | 02/11/2026 | 760 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000125333 | XXXXX | Non QM | Yes | No | $1,640.00 | $5,355.26 | 7.139% | $2,095.70 | $2,095.70 | 7.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,983.22 | 1 | $10,435.08 | $1,893.60 | $869.59 | $157.80 | 44.301% | 44.301% | 44.301% | 04/13/2026 | 800 | No | Yes | 12 | Personal | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: % | Expense
Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $1,640.00 | 6.370% | $2,500.00 | 1.4 | None | No | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 65.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 112.52 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000123611 | XXXXX | Non QM | Yes | No | $2,940.00 | $2,947.97 | 7.659% | $3,227.54 | $3,227.54 | 7.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $6,979.92 | 1 | $6,585.96 | $2,253.72 | $548.83 | $187.81 | 46.420% | 46.420% | 46.420% | 03/26/2026 | 738 | No | Yes | 12 | Personal | 80.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements
Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Other - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | No | XXXXX | $2,940.00 | 6.220% | $36,480.04 | 2.6 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | XXXXX | XXXXX | 20.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 15.65 | No | $791.90 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000906 | XXXXX | N/A | No | No | $1,896.11 | $1,896.11 | 7.000% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $5,446.44 | $2,099.04 | $453.87 | $174.92 | 0.000% | 0.000% | 0.000% | 05/21/2026 | 726 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.06 | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 1948.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000975 | XXXXX | Non QM | Yes | No | $1,845.00 | $4,296.16 | 9.699% | $4,181.95 | $4,181.95 | 9.625% | No | No | Self-Employed | US Citizen | $11,780.87 | 1 | $6,440.04 | $2,711.04 | $536.67 | $225.92 | 33.020% | 33.020% | 33.020% | 05/11/2026 | 697 | No | No | Third Party Prepared | [Borrower - |
Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | No | XXXXX | $1,845.00 | 6.510% | $10,000.00 | 1.0 | None | Yes | No | 9.625% | 0 | 0 | 0 | 4 | 0 | 12.00 | No | XXXXX | XXXXX | 62.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 51.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000940 | XXXXX | N/A | No | No | $1,363.13 | $1,363.13 | 7.875% | No | No | US Citizen | 1 | $4,917.36 | $630.00 | $409.78 | $52.50 | 0.000% | 0.000% | 0.000% | 02/24/2026 | 751 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.96 | XXXXX | XXXXX | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 34.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 6000121360 | XXXXX | Exempt from ATR | Non QM | Yes | Yes | No | $12,232.50 | $17,546.20 | 6.573% | $5,309.13 | $5,309.13 | 6.375% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $16,886.95 | 1 | $14,187.48 | $2,145.96 | $1,182.29 | $178.83 | 35.660% | 35.660% | 35.660% | 03/05/2026 | 802 | No | Yes | 12 | Business | 87.000% | 100.000% | [Borrower - |
Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense
Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements
Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | XXXXX | $12,232.50 | 5.980% | $0.00 | 1.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 3 | 12 | 0.00 | No | XXXXX | XXXXX | 26.440% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.19 | No | $3,408.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000913 | XXXXX | Non QM | Yes | No | $1,775.00 | $4,150.95 | 6.533% | $4,812.31 | $6,623.87 | 6.500% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $9,651.84 | 1 | $12,063.84 | $3,453.96 | $1,005.32 | $287.83 | 45.063% | 34.752% | 45.063% | 05/26/2026 | 806 | No | No | [Borrower - |
Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | No | XXXXX | $1,775.00 | 6.600% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | XXXXX | XXXXX | No | 28 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.24 | No | $0.00 | $9,346.13 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000752 | XXXXX | N/A | No | No | $6,267.88 | $6,267.88 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | $15,125.04 | $2,464.32 | $1,260.42 | $205.36 | 0.000% | 0.000% | 0.000% | 04/22/2026 | 775 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.65 | 1.55 | XXXXX | XXXXX | 32.590% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | XXXXXXX | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000869 | XXXXX | N/A | No | No | $6,993.89 | $3,201.20 | 6.909% | $5,485.50 | $5,485.50 | 6.875% | No | No | Employed | US Citizen | $16,345.26 | 1 | $24,587.52 | $812.40 | $2,048.96 | $67.70 | 50.617% | 50.617% | 50.617% | 05/08/2026 | 777 | Yes | No | [Borrower - |
Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $6,993.89 | 6.490% | $14,426.76 | 2.8 | None | No | No | 6.875% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | 16 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 161.17 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 2000000889 | XXXXX | Non QM | Yes | No | $6,846.46 | $8,574.88 | 6.667% | $2,780.59 | $2,780.59 | 6.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,393.98 | 1 | $10,549.92 | $2,131.56 | $879.16 | $177.63 | 43.368% | 43.368% | 43.368% | 05/14/2026 | 818 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | No | XXXXX | $6,846.46 | 6.420% | $0.00 | 1.5 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | XXXXX | XXXXX | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 333.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127087 | XXXXX | N/A | No | No | $1,479.39 | $1,479.39 | 7.750% | No | No | US Citizen | 1 | $3,160.80 | $1,470.00 | $263.40 | $122.50 | 0.000% | 0.000% | 0.000% | 03/19/2026 | 708 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 2.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | XXXXX | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.76 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127088 | XXXXX | N/A | No | No | $4,513.40 | $4,513.40 | 7.750% | No | No | US Citizen | 1 | $9,174.60 | $2,940.00 | $764.55 | $245.00 | 0.000% | 0.000% | 0.000% | 02/03/2026 | 787 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 3.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | XXXXX | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 5.59 | Yes | 18.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| XXXXX | 4000127067 | XXXXX | N/A | No | No | $2,110.70 | $2,110.70 | 7.375% | No | No | US Citizen | 1 | $1,332.96 | $1,886.88 | $111.08 | $157.24 | 0.000% | 0.000% | 0.000% | 02/25/2026 | 730 | No | No | DSCR | 0 | 0 | 0 | No | XXXXX | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | XXXXX | XXXXX | 1.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.13 | Yes | 18.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X |