Exhibit 99.06 Schedule 4

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower1 SSN Borrower2 SSN Borrower 3 SSN Borrower 4 SSN First Time Homebuyer Number of Units Maturity Date Note Type Loan Type Refinance Purpose Borrower 1 Mailing Street Address Borrower 1 Mailing City Borrower 1 Mailing State Borrower 1 Mailing Zip Code Borrower 2 Mailing Street Address Borrower 2 Mailing City Borrower 2 Mailing State Borrower 2 Mailing Zip Code Borrower 3 Mailing Street Borrower 3 Mailing City Borrower 3 Mailing State Borrower 3 Mailing Zip Borrower 4 Mailing Street Borrower 4 Mailing City Borrower 4 Mailing Zip Borrower 4 Mailing State Prepay Penalty Calculation Description Borrower 1 First Name Borrower 1 Last Name Borrower 2 First Name Borrower 2 Last Name Borrower 3 First Name Borrower 3 Last Name Borrower 4 First Name Borrower 4 Last Name Borrower 1 Employer Borrower 1 Position Borrower 2 Employer Borrower 2 Position Borrower 3 Employer Borrower 3 Position Borrower 4 Employer Borrower 4 Position First Time Investor Borrower 1 Years in Industry Borrower 2 Years in Industry Borrower 3 Years in Industry Borrower 4 Years in Industry Borrower 1 ITIN Borrower 2 ITIN Borrower 3 ITIN Borrower 4 ITIN Original Appraiser License  Number Original Appraiser Name Property Location Appraisal Company Title Company Name MERS MIN Number
4000100523 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $14,528.84 No $14,595.84 $1,216.32 $6,390.96 $532.58 $0.00 $0.00 $0.00 $16,277.74 $45,129.19 N/A xxxxx 18.87% 34.70% 34.70% Yes Yes Not Employed Not Employed Asset Depletion – Debt Ratio Calculation 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA Yes No 84.0 No Yes Yes 3 0 No N/A 0 0 0.00% 100.00% Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified || Co Borrower Borrower || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 803 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 321.1 XXXXX 499.6 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 3% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000101122 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 4750.00 xx/xx/xxxx 6.170% Manual Underwriting Manual Underwriting No 7.537% 7.250% 7.250% $1,882.81 No $3,759.60 $313.30 $2,309.40 $192.45 $0.00 $0.00 $0.00 $2,388.56 $6,197.44 N/A xxxxx 31.97% 32.05% 32.05% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 12 Tax Preparer NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor - YTD Profit And Loss Verified - 2025 Borrower - 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 813 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 5.6 XXXXX 5.6 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 15 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000101749 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $2,611.29 No $1,854.96 $154.58 $504.96 $42.08 $3,428.88 $285.74 $0.00 $3,093.69 $9,729.61 Yes xxxxx xxxxx xxxxx Monthly 48.71% 48.56% 48.56% Yes Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% N/A 0 N/A NA 0 No Yes 1 33 FNMA 1005 0 No 0 Yes Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 787 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No N/A XXXXX 14.1 XXXXX 14.1 No 75.0 No No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes 5.00 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000101878 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $38.20 7.125% 7.125% $13,339.63 No $11,258.04 $938.17 $11,126.04 $927.17 $1,400.04 $116.67 $0.00 $15,321.64 No xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 2.872 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 125.2 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000102004 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8380.80 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 6.569% 6.375% 6.375% $4,242.32 No $2,868.96 $239.08 $4,376.04 $364.67 $0.00 $0.00 $0.00 $4,846.07 $7,544.45 N/A xxxxx 46.62% 47.31% 47.31% No No Employed Employed Written Verification of Employment 0 2 NA 2+ Months N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 70 34 FNMA 1005 NA 0 0 N/A No 0 Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified - 2025, 2024, 2023 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - 2025, 2024, 2023 Borrower - 2025, 2024, 2023 || Co Borrower - 2025, 2024, 2023 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 801 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.0 XXXXX 20.5 No 62.96 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 9.58 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000102178 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 9.625% 6.375% $13,599.84 No $27,954.36 $2,329.53 $11,341.80 $945.15 $0.00 $0.00 $0.00 $16,874.52 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.778 2.16 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 764 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx Work Visa  xx/xx/xxxx Fee Simple No No N/A XXXXX 22.1 XXXXX 22.1 No 41.03 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR NA xxxxx xxxxx xxxxx xxxxx 1% xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000102512 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.250% 7.250% $5,082.21 No $9,616.68 $801.39 $2,816.52 $234.71 $0.00 $0.00 $0.00 $6,118.31 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.319 1.33 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 685 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 0.0 XXXXX 75.2 No 62.08 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx ARM DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000102730 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $1,790.02 No $8,846.76 $737.23 $2,802.96 $233.58 $0.00 $0.00 $0.00 $2,760.83 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.032 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 777 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 0.0 XXXXX 80.9 No 59.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000103264 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $1,660.41 No $5,067.36 $422.28 $774.00 $64.50 $999.96 $83.33 $0.00 $2,230.52 N/A xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.054 1.053 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 767 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Employment Authorization Card xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No N/A XXXXX 219.8 XXXXX 219.8 No 78.77 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000104421 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $4,638.22 No $13,630.56 $1,135.88 $1,314.96 $109.58 $0.00 $0.00 $0.00 $5,883.68 $6,520.91 N/A xxxxx 47.49% 47.49% 47.49% Yes Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% N/A 0 N/A NA 0 No Yes 1 34 FNMA 1005 0 No 0 Yes Borrower - Wage, Overtime, Bonus, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2024, 2025, 2023 Borrower - 2024, 2025, 2023 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 801 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 17.0 XXXXX 17.0 No 79.99 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx Yes 5 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000105581 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $3,192.78 No $7,087.56 $590.63 $1,496.04 $124.67 $2,400.00 $200.00 $0.00 $4,108.08 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.803 0.8 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 804 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT DISCLOSURE xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.0 XXXXX 11.0 No 63.04 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000105982 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 1995.00 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 6.805% 6.750% 6.750% $11,593.69 No $26,168.76 $2,180.73 $8,364.00 $697.00 $1,610.04 $134.17 $0.00 $14,605.59 $97,482.70 N/A xxxxx xxxxx xxxxx Annually 35.01% 34.64% 34.64% No No Self-Employed Self-Employed 24 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No Yes Yes 0 24 Yes Yes 0 24 0.00% 50.00% 50.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 || Co Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 Borrower - 2 YRS Executed 4506T Verified - 2025 || Co Borrower - 3 YRS Executed 4506T Verified - 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 739 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx Employment Authorization Document (I-821D) xx/xx/xxxx Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx I-821D Employment Authorization Document (I-821-D) xx/xx/xxxx Fee Simple No No N/A XXXXX 35.7 XXXXX 35.7 No 65.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 8 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000107280 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.875% $1,880.93 No $12,039.00 $1,003.25 $1,323.96 $110.33 $0.00 $0.00 $0.00 $2,994.51 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.67 Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 696 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx The United States of America xx/xx/xxxx N/A Fee Simple No N/A XXXXX 11.2 XXXXX 11.2 No 38.67 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000107728 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 7550.00 xx/xx/xxxx 6.250% Manual Underwriting Manual Underwriting No 7.472% 7.125% 7.125% $1,805.57 No $2,288.04 $190.67 $1,797.48 $149.79 $549.96 $45.83 $0.00 $2,191.86 $3,049.14 N/A xxxxx xxxxx xxxxx Annually 46.51% 46.51% 46.51% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 26 26 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 809 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 115.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 15 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000109475 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.890% Manual Underwriting Manual Underwriting No 6.626% 6.500% 6.500% $2,458.64 No $9,018.12 $751.51 $789.00 $65.75 $0.00 $0.00 $0.00 $3,275.90 $3,185.52 N/A xxxxx 53.72% 53.15% 53.15% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 36 36 FNMA 1005 0 No 0 Yes Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Written VOE Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 751 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.9 XXXXX 6.9 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 3 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000109953 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.250% 6.375% $5,144.54 No $9,844.68 $820.39 $1,716.96 $143.08 $0.00 $0.00 $0.00 $6,108.01 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0.00% 0 0 No 0 0 0 Yes 1.555 Borrower - Subject Property Net Rental Income(Loss) if NOO - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 811 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 0.0 XXXXX 92.4 No 38.71 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000110203 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $3,632.82 No $12,360.60 $1,030.05 $3,009.00 $250.75 $0.00 $0.00 $0.00 $4,913.62 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Proceeds from Sale 0 0 No 0 0 0 Yes 0.936 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 792 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Patriot Act Disclosure xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 42.1 XXXXX 42.1 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx ARM DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000110318 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 10212.50 xx/xx/xxxx 6.080% Manual Underwriting Manual Underwriting No 7.294% 6.625% 6.625% $7,188.13 No $20,356.32 $1,696.36 $3,252.00 $271.00 $0.00 $0.00 $0.00 $9,155.49 N/A xxxxx 35.54% 49.22% 54.74% No Yes Self-Employed Employed 1YR Full Doc 1 0 NA NA N/A 0 N/A 0 1 0 1 0 1 1 NA NA No No 0 No No N/A 0 0 No Yes 0 0 0.00% 100.00% 100.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - Wage, Other REO Net Rental Income(Loss), Bonus - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified - 2024, 2025 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified - 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 741 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 26.2 XXXXX 26.2 No 79.95 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5 30 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000111868 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 25150.00 xx/xx/xxxx 6.060% Manual Underwriting Manual Underwriting No 6.488% 6.375% 6.375% $15,284.81 No $35,000.04 $2,916.67 $4,001.04 $333.42 $0.00 $0.00 $0.00 $18,534.90 $77,967.00 N/A xxxxx 27.10% 30.51% 30.51% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 94 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 Borrower - 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 767 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 13.2 XXXXX 13.2 No 73.13 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 20 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000113348 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $924.30 Yes 18.000% $3,511.44 $292.62 $993.72 $82.81 $0.00 $0.00 $0.00 $1,299.73 N/A xxxxx 0.00% 0.00% 0.00% Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0.00% 0 0 No 0 0 0 Yes 1.346 1.34 N/A Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 709 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 38.5 XXXXX 38.5 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx
4000113500 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $20.90 7.250% 7.250% $1,236.79 No $3,673.08 $306.09 $978.96 $81.58 $1,080.00 $90.00 $0.00 $1,714.46 N/A xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.079 1.08 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 732 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 4.2 XXXXX 4.2 No 74.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000114305 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $3,765.03 No $3,730.80 $310.90 $1,106.52 $92.21 $0.00 $0.00 $0.00 $4,168.14 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.876 0.77 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 819 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx US Citizen US Citizen xxxxx Other Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 19.4 XXXXX 19.4 No 70.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000114937 xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,726.69 No $5,089.32 $424.11 $1,182.00 $98.50 $3,804.00 $317.00 $0.00 $2,566.30 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.974 0.97 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 675 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 75.1 No 43.86 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000115966 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $2,465.07 No $7,512.24 $626.02 $618.00 $51.50 $4,620.00 $385.00 $0.00 $3,527.59 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.751 0.8 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 726 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA Patriot Act  xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 34.8 XXXXX 34.8 No 60.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000117567 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3049.95 xx/xx/xxxx 6.100% Manual Underwriting Manual Underwriting No 6.337% 6.250% 6.250% $4,202.27 No $6,960.12 $580.01 $1,263.00 $105.25 $0.00 $0.00 $0.00 $4,887.53 $6,072.47 N/A xxxxx 44.80% 44.80% 44.80% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 27 27 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 725 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.5 XXXXX 11.5 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000117724 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 5110.96 xx/xx/xxxx 6.100% Manual Underwriting Manual Underwriting No 6.660% 6.375% 6.375% $1,597.11 No $4,782.72 $398.56 $567.00 $47.25 $5,580.00 $465.00 $0.00 $2,507.92 $4,154.08 Yes xxxxx xxxxx xxxxx xxxxx Monthly 41.01% 40.66% 40.66% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 36 36 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2023, 2024, 2025 Borrower - 2023, 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 775 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 9.5 XXXXX 9.5 No 80.0 No No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 4 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000117843 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $2,759.72 No $12,114.60 $1,009.55 $3,838.80 $319.90 $4,200.00 $350.00 $0.00 $4,439.17 N/A xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.833 0.822 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 787 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 335.1 XXXXX 335.1 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118148 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $1,347.44 No $10,212.48 $851.04 $2,304.00 $192.00 $0.00 $0.00 $0.00 $2,390.48 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.799 1.76 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 746 No NA 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 76.0 No 30.77 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118179 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,313.86 No $3,122.88 $260.24 $1,173.00 $97.75 $879.96 $73.33 $0.00 $1,745.18 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.146 1.125 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 691 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 105.8 No 30.08 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118241 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $3,957.34 No $13,771.56 $1,147.63 $1,083.12 $90.26 $0.00 $0.00 $0.00 $5,195.23 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.885 75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 741 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 7.2 XXXXX 7.2 No 59.24 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118243 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $3,282.81 No $4,483.20 $373.60 $1,731.00 $144.25 $0.00 $0.00 $0.00 $3,800.66 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.263 1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 797 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 42.3 XXXXX 42.3 No 65.49 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118280 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $1,718.75 No $1,968.48 $164.04 $5,498.04 $458.17 $0.00 $0.00 $0.00 $2,340.96 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.068 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 797 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 33.3 XXXXX 33.3 No 64.94 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000118318 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $7,500.00 7.375% 7.375% $2,066.85 No $1,691.16 $140.93 $2,916.00 $243.00 $0.00 $0.00 $0.00 $2,450.78 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.755 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 793 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 19.5 XXXXX 19.5 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118433 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2873.75 xx/xx/xxxx 5.990% Manual Underwriting Manual Underwriting No 6.654% 6.500% 6.500% $1,728.71 No $8,416.92 $701.41 $1,022.04 $85.17 $0.00 $0.00 $0.00 $2,515.29 $4,175.71 N/A xxxxx 44.32% 44.32% 44.32% No Employed Written Verification of Employment 0 NA N/A 0 0 0 3 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 61 61 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 817 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.2 XXXXX 11.2 No 74.93 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6.19 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118441 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.625% 6.625% $2,593.26 No $17,977.44 $1,498.12 $1,509.96 $125.83 $0.00 $0.00 $0.00 $4,217.21 N/A xxxxx 86821.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.948 0.91 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 788 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 34.9 XXXXX 5.0 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000118498 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2455.82 xx/xx/xxxx 5.990% Manual Underwriting Manual Underwriting No 6.411% 6.250% 6.250% $2,305.25 No $6,868.08 $572.34 $329.04 $27.42 $7,006.92 $583.91 $0.00 $3,488.92 $4,446.08 Yes xxxxx xxxxx xxxxx Monthly 44.42% 44.42% 44.42% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 779 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 10.4 XXXXX 10.4 No 65.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000118527 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $2,996.09 No $6,475.32 $539.61 $1,185.96 $98.83 $0.00 $0.00 $0.00 $3,634.53 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.935 0.93 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 756 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 12.8 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000118533 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $3,455.49 No $8,042.40 $670.20 $1,452.96 $121.08 $0.00 $0.00 $0.00 $4,246.77 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.871 0.87 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 756 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.2 XXXXX 14.6 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000118618 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $2,840.86 No $10,173.36 $847.78 $3,426.00 $285.50 $0.00 $0.00 $0.00 $3,974.14 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.956 0.9 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 805 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.6 XXXXX 6.6 No 49.77 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000118855 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $4,092.84 No $1,621.56 $135.13 $3,508.68 $292.39 $0.00 $0.00 $0.00 $4,520.36 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.796 0.8 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 762 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 10.0 XXXXX 10.0 No 71.47 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000119002 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $1,985.68 No $4,881.36 $406.78 $684.00 $57.00 $1,020.00 $85.00 $0.00 $2,534.46 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.907 0.907 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 163.0 XXXXX 163.0 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000119021 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $4,598.50 No $3,392.64 $282.72 $2,346.00 $195.50 $0.00 $0.00 $0.00 $5,076.72 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.827 0.827 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 715 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A xx/xx/xxxx Fee Simple No No N/A XXXXX 56.7 XXXXX 56.7 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000119299 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.625% 7.625% $1,255.98 No $545.04 $45.42 $1,124.04 $93.67 $0.00 $0.00 $0.00 $1,395.07 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.932 0.95 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 716 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 36.9 XXXXX 36.9 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000119425 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 8.000% 8.000% $1,145.00 No $2,966.04 $247.17 $2,383.92 $198.66 $0.00 $0.00 $0.00 $1,590.83 N/A xxxxx xxxxx xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 1.421 1.5 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 125.0 XXXXX 125.0 No 75.0 Yes No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000119552 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $1,629.18 No $6,872.28 $572.69 $1,570.92 $130.91 $0.00 $0.00 $0.00 $2,332.78 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.75 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 820 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 18.5 XXXXX 122.1 No 65.61 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000119709 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 1705.00 xx/xx/xxxx 5.980% Manual Underwriting Manual Underwriting No 6.928% 6.875% 6.875% $17,080.15 No $103,710.48 $8,642.54 $20,129.04 $1,677.42 $0.00 $0.00 $0.00 $27,400.11 $139,285.79 N/A xxxxx 22.58% 22.26% 22.26% Yes Yes Self-Employed Not Employed 12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 0.00% 100.00% N/A 0 N/A N/A N/A 0 Yes 204 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower Borrower - 2025, 2026 || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 790 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Patriot Act Disclosure xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 91.0 No 33.33 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 42.39 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000119773 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 11546.00 xx/xx/xxxx 5.980% Manual Underwriting Manual Underwriting No 7.019% 6.875% 6.875% $2,296.62 No $12,731.52 $1,060.96 $1,233.12 $102.76 $0.00 $0.00 $0.00 $3,460.34 $6,820.51 N/A xxxxx 40.22% 40.22% 40.22% No No Self-Employed Not Employed 24 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 24 24 No N/A 0 0 0.00% 100.00% N/A 0 N/A N/A N/A 0 Yes 24 No 0 NA 0 0 N/A NA 0 0 N/A No 0 N/A Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified || Co Borrower Borrower || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 55.8 XXXXX 55.8 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120048 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $2,580.65 7.625% 7.625% $3,052.37 No $7,973.76 $664.48 $4,129.32 $344.11 $0.00 $0.00 $0.00 $4,060.96 N/A xxxxx 1157.14% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 0.788 0.77 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 753 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 48.3 XXXXX 42.2 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000120182 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A Alternate Income Documentation Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,297.20 No $4,181.64 $348.47 $2,839.68 $236.64 $12,648.00 $1,054.00 $0.00 $2,936.31 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 0.92 0.926 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 756 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA Patriot Act  xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other USA Patriot Act  xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 664.2 XXXXX 664.2 No 53.33 Yes No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120215 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $3,600.00 7.125% 7.125% $2,774.04 No $6,085.56 $507.13 $1,326.96 $110.58 $0.00 $0.00 $0.00 $3,391.75 N/A xxxxx 0.00% 0.00% 0.00% No Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.781 0.781 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 813 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 5.5 XXXXX 5.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120227 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 20696.00 xx/xx/xxxx 5.980% Manual Underwriting Manual Underwriting No 6.674% 5.990% 5.990% $3,006.52 No $5,190.48 $432.54 $3,914.04 $326.17 $0.00 $0.00 $0.00 $3,765.23 $152,465.22 N/A xxxxx 8.04% 8.07% 8.07% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Stocks/Bonds Third-Party Prepared (Unaudited) 12 CPA Yes 48 No NA 0 0 N/A 0 No 0 N/A Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2026, 2025 Borrower - 2026, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 772 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 375.7 XXXXX 375.7 No 25.1 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed Conventional No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 13 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120428 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $5,309.37 No $7,678.20 $639.85 $3,930.96 $327.58 $0.00 $0.00 $0.00 $6,276.80 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.797 0.79 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.9 XXXXX 9.9 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000120506 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 7422.60 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 6.515% 6.375% 6.375% $3,181.74 No $5,535.96 $461.33 $893.04 $74.42 $3,672.00 $306.00 $0.00 $4,023.49 $4,451.51 Yes xxxxx xxxxx xxxxx Monthly 47.63% 47.63% 47.63% No Employed Written Verification of Employment 0 NA N/A 0 0 0 2 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024 Borrower - 2 YRS Executed 4506T Verified - 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 5.8 XXXXX 20.7 No 75.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120513 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.020% Manual Underwriting Manual Underwriting No 6.324% 6.250% 6.250% $3,396.30 No $9,980.04 $831.67 $1,306.68 $108.89 $0.00 $0.00 $0.00 $4,336.86 $6,648.52 N/A xxxxx 50.00% 50.00% 50.00% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 35 35 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 775 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 31.7 XXXXX 31.7 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 3 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000120517 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $3,325.61 No $1,104.00 $92.00 $1,212.00 $101.00 $0.00 $0.00 $0.00 $3,518.61 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.945 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 731 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 70.6 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120524 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.375% 6.375% $1,871.61 No $8,407.08 $700.59 $4,083.36 $340.28 $8,460.00 $705.00 $0.00 $3,617.48 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.995 0.99 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 789 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 136.0 XXXXX 130.7 No 46.3 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120806 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.875% 7.875% $2,689.64 No $7,399.68 $616.64 $2,855.04 $237.92 $3,372.00 $281.00 $0.00 $3,825.20 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds,Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 0.68 0.679 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 753 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 92.2 XXXXX 92.2 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000120944 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8798.80 xx/xx/xxxx 6.020% Manual Underwriting Manual Underwriting No 6.504% 6.375% 6.375% $5,490.06 No $9,300.96 $775.08 $1,083.96 $90.33 $0.00 $0.00 $0.00 $6,355.47 $7,564.53 N/A xxxxx 45.97% 45.97% 45.97% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 28 28 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 789 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 32.0 XXXXX 32.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121037 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.150% Manual Underwriting Manual Underwriting No 7.158% 7.625% 7.672% $2,363.30 No $8,274.00 $689.50 $1,491.00 $124.25 $695.04 $57.92 $0.00 $3,234.97 $5,997.37 No xxxxx xxxxx xxxxx Annually 38.60% 38.49% 39.98% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 N/A Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 743 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 129.2 XXXXX 51.6 No 50.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 12 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121100 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 31860.00 xx/xx/xxxx 6.130% Manual Underwriting Manual Underwriting No 6.932% 6.750% 6.750% $12,958.99 No $61,623.72 $5,135.31 $16,254.00 $1,354.50 $48.00 $4.00 $0.00 $19,452.80 $60,815.16 N/A xxxxx xxxxx xxxxx Monthly 32.36% 32.36% 32.36% No No Not Employed Self-Employed 1YR Full Doc 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 100.00% N/A 0 N/A Third-Party Prepared (Unaudited) CPA 12 NA 0 Yes 39 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Other REO Net Rental Income(Loss) || Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026, 2024, 2023, 2022 Borrower || Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2026, 2024, 2023, 2022 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 739 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 5.8 XXXXX 14.6 No 49.95 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000121160 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $1,286.55 No $2,270.52 $189.21 $1,344.60 $112.05 $0.00 $0.00 $0.00 $1,587.81 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.291 1.25 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 732 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 36.9 XXXXX 36.9 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000121221 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.250% 7.250% $3,990.73 No $12,587.76 $1,048.98 $1,124.16 $93.68 $1,548.00 $129.00 $0.00 $5,262.39 N/A xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.732 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 762 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 22.8 XXXXX 22.8 No 58.5 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121265 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.020% Manual Underwriting Manual Underwriting No 6.607% 6.500% 6.500% $1,468.93 No $3,178.80 $264.90 $1,449.00 $120.75 $0.00 $0.00 $0.00 $1,854.58 $4,162.42 N/A xxxxx 35.96% 35.96% 35.96% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 26 26 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2025, 2024, 2026 Borrower - 2025, 2024, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 763 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 37.6 XXXXX 37.6 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 6 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121269 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $1,798.73 No $606.24 $50.52 $786.00 $65.50 $0.00 $0.00 $0.00 $1,914.75 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.927 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 775 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 48.5 XXXXX 48.5 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121376 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1575.00 xx/xx/xxxx 6.020% Manual Underwriting Manual Underwriting No 6.582% 6.500% 6.500% $2,528.27 No $16,631.52 $1,385.96 $3,828.72 $319.06 $600.00 $50.00 $0.00 $4,283.29 $5,191.02 N/A xxxxx xxxxx Monthly 48.91% 48.91% 48.91% No Not Employed Retirement Income Doc Verified 0 NA N/A 0 0 0 0 0 Yes No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Other, SSI and Disability - Award Letter Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 477.0 XXXXX 521.3 No 20.51 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121744 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $2,484.30 No $5,798.28 $483.19 $1,389.84 $115.82 $0.00 $0.00 $0.00 $3,083.31 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.827 0.78 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 717 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 627.8 XXXXX 627.8 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000121831 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 1495.00 xx/xx/xxxx 6.120% Manual Underwriting Manual Underwriting No 6.710% 6.625% 6.625% $2,381.96 No $3,010.32 $250.86 $1,325.04 $110.42 $1,596.00 $133.00 $0.00 $2,876.24 $5,265.43 N/A xxxxx xxxxx xxxxx xxxxx Annually 44.13% 44.13% 44.13% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 3 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 12 CPA Yes 24 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 773 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 39.6 XXXXX 39.6 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121879 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $3,491.58 No $16,950.36 $1,412.53 $6,657.96 $554.83 $0.00 $0.00 $0.00 $5,458.94 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.916 0.91 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 787 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 81.2 XXXXX 81.2 No 61.45 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000121981 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.125% 6.125% $8,497.74 No $14,712.24 $1,226.02 $3,588.00 $299.00 $0.00 $0.00 $0.00 $10,022.76 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.998 0.96 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 813 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 4.8 XXXXX 4.8 No 47.57 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 4 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx Other xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000122057 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 5.610% Manual Underwriting Manual Underwriting No 6.558% 6.250% 6.250% $1,543.36 No $2,121.96 $176.83 $1,530.96 $127.58 $1,020.00 $85.00 $0.00 $1,932.77 $6,555.23 N/A xxxxx xxxxx xxxxx Monthly 25.54% 25.99% 25.99% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 716 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 73.6 XXXXX 73.6 No 41.86 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 4.14 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122067 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.875% 7.875% $3,099.67 No $10,876.56 $906.38 $2,307.60 $192.30 $0.00 $0.00 $0.00 $4,198.35 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.81 0.79 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 718 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 33.1 XXXXX 33.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122114 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8320.08 xx/xx/xxxx 6.120% Manual Underwriting Manual Underwriting No 6.528% 6.375% 6.375% $4,292.22 No $7,223.04 $601.92 $1,581.96 $131.83 $0.00 $0.00 $0.00 $5,025.97 $6,958.83 N/A xxxxx 44.33% 44.33% 44.33% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 36 36 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 807 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.3 XXXXX 8.3 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122438 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.120% Manual Underwriting Manual Underwriting No 6.582% 6.500% 6.500% $1,836.16 No $7,535.76 $627.98 $1,304.04 $108.67 $420.00 $35.00 $0.00 $2,607.81 $3,710.19 N/A xxxxx xxxxx xxxxx xxxxx Annually 42.92% 42.92% 42.92% No Employed Written Verification of Employment 0 NA N/A 0 0 0 3 0 NA No No 0 No Yes Yes 2 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 1 30 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 803 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 66.6 XXXXX 66.6 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 2.6 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122567 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $1,036.91 Yes 24.000% $2,730.48 $227.54 $767.04 $63.92 $0.00 $0.00 $0.00 $1,328.37 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.355 1.28 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 797 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA) xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 253.5 XXXXX 253.5 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated 1%, 1%, 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx
4000122586 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,276.37 No $3,066.60 $255.55 $1,749.96 $145.83 $4,164.00 $347.00 $0.00 $2,024.75 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.988 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 89.3 No 60.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122595 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $6,896.03 No $8,107.92 $675.66 $4,079.04 $339.92 $0.00 $0.00 $0.00 $7,911.61 N/A xxxxx 178861.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.885 0.884 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 738 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.9 XXXXX 7.9 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000122649 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4654.00 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.778% 6.500% 6.500% $1,557.42 No $5,435.76 $452.98 $1,385.04 $115.42 $3,240.00 $270.00 $0.00 $2,395.82 $3,050.18 N/A xxxxx xxxxx xxxxx xxxxx Monthly 44.54% 44.54% 44.54% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 795 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 13.1 XXXXX 13.1 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 2 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122677 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 8650.00 xx/xx/xxxx 5.610% Manual Underwriting Manual Underwriting No 6.311% 5.875% 5.875% $3,348.47 No $6,782.40 $565.20 $792.96 $66.08 $0.00 $0.00 $0.00 $3,979.75 $23,472.25 N/A xxxxx 14.65% 14.65% 14.65% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 24 No NA 0 0 N/A 0 No 0 N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 777 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 8.5 XXXXX 8.5 No 42.11 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000122733 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $8,296.79 No $11,612.76 $967.73 $1,764.96 $147.08 $0.00 $0.00 $0.00 $9,411.60 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.85 0.8 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 704 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.5 XXXXX 6.5 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx Other xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000122820 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $10,705.37 No $17,275.44 $1,439.62 $6,339.96 $528.33 $0.00 $0.00 $0.00 $12,673.32 N/A xxxxx 27.05% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 2.13 1.69 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 811 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 12.1 XXXXX 12.1 No 39.34 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 4 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 3% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122900 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8946.64 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 6.772% 6.500% 6.500% $3,059.21 No $10,208.52 $850.71 $1,240.44 $103.37 $0.00 $0.00 $0.00 $4,013.29 $5,536.71 N/A xxxxx 45.04% 45.05% 45.05% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 1 26 FNMA 1005 0 No 0 Yes Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 801 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 13.8 XXXXX 13.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000122969 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 14920.00 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 7.148% 6.990% 6.990% $3,569.07 No $4,586.64 $382.22 $3,377.04 $281.42 $0.00 $0.00 $0.00 $4,232.71 $5,263.36 N/A xxxxx 49.96% 49.96% 49.96% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 12 CPA Yes 36 No NA 0 0 N/A 0 No 0 Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 124.3 No 34.96 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 29 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123118 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $4,132.36 No $10,706.28 $892.19 $1,509.96 $125.83 $338.04 $28.17 $0.00 $5,178.55 N/A xxxxx xxxxx xxxxx Annually 5925550.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.753 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 14.1 XXXXX 14.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123123 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 2060.00 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 11.706% 11.500% 9.750% $1,737.96 No $2,297.40 $191.45 $2,230.32 $185.86 $0.00 $0.00 $0.00 $2,115.27 $3,760.56 N/A xxxxx 34.49% 38.27% 38.27% No Self-Employed 24 Month Bank Statement 0 NA N/A 0 0 0 3 0 NA No No 0 No Yes Yes 0 24 No 100.00% 100.00% N/A 0 N/A Yes 24 No NA 0 0 N/A 0 No 0 Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 745 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.1 XXXXX 8.1 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 9 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123198 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.875% 7.875% $1,685.79 No $4,869.96 $405.83 $4,497.72 $374.81 $0.00 $0.00 $0.00 $2,466.43 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.379 1.379 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 729 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 52.4 No 72.66 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 4 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000123383 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 7985.66 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 7.226% 7.125% 7.125% $2,243.71 No $8,820.48 $735.04 $1,465.44 $122.12 $0.00 $0.00 $0.00 $3,100.87 $4,053.40 N/A xxxxx 43.88% 43.88% 43.88% No No Not Employed Not Employed Asset Utilization (with DTI) 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No Yes 84.0 No Yes Yes 15 0 No N/A 0 0 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified || Co Borrower Borrower || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.6 XXXXX 294.6 No 75.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123408 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 8.000% 8.000% $3,375.32 No $7,728.96 $644.08 $2,215.56 $184.63 $0.00 $0.00 $0.00 $4,204.03 $5,137.64 N/A xxxxx 36.49% 35.87% 35.87% Yes Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 2 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A Yes 48 No NA 0 0 N/A 0 No 0 Borrower - Other, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 756 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.6 XXXXX 8.6 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 4 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123439 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $3,387.24 No $11,530.20 $960.85 $1,605.48 $133.79 $0.00 $0.00 $0.00 $4,481.88 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.848 0.9 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 723 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 56.4 XXXXX 57.0 No 69.15 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000123472 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $12,860.05 No $18,184.92 $1,515.41 $4,892.04 $407.67 $0.00 $0.00 $0.00 $14,783.13 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.805 0.81 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 753 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 4.8 XXXXX 4.8 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 3 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx Other xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000123490 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 7043.75 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 6.517% 6.250% 6.250% $2,262.33 No $11,237.40 $936.45 $1,320.00 $110.00 $0.00 $0.00 $0.00 $3,308.78 $4,794.22 N/A xxxxx 49.00% 49.00% 49.00% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 25 25 FNMA 1005 0 No 0 Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 13.8 XXXXX 13.8 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123558 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2729.00 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 6.532% 6.500% 6.500% $7,913.50 No $15,102.00 $1,258.50 $2,007.00 $167.25 $650.04 $54.17 $0.00 $9,393.42 $18,647.05 N/A xxxxx xxxxx xxxxx xxxxx Annually 36.07% 36.07% 36.07% No No Employed Not Employed 2YR Full Doc 2 0 1 Month NA N/A 0 N/A 0 0 0 0 0 2 0 Yes NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 64 36 Other NA 0 0 N/A No 0 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2026, 2025, 2024, 2023 || Co Borrower - 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024, 2023 || Co Borrower - 2 YRS Executed 4506T Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 803 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 73.5 XXXXX 73.5 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 17 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123768 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $481.12 6.750% 6.750% $1,608.52 No $3,875.04 $322.92 $1,151.04 $95.92 $0.00 $0.00 $0.00 $2,027.36 $4,204.26 N/A xxxxx 48.53% 48.34% 48.34% Yes Self-Employed 12 Month Bank Statement 2 1 Month N/A 0 0 0 2 2 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A Yes 0 No Yes 36 36 FNMA 1005 0 No 0 Borrower - SESoleProprietor, Wage, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 38.7 XXXXX 38.7 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes 8.31 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000123861 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 7427.12 xx/xx/xxxx 6.370% Manual Underwriting Manual Underwriting No 6.590% 6.375% 6.375% $2,794.94 No $11,048.52 $920.71 $455.04 $37.92 $3,360.00 $280.00 $0.00 $4,033.57 $6,923.43 Yes xxxxx xxxxx xxxxx Monthly 37.07% 37.06% 37.06% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 808 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 67.5 XXXXX 50.7 No 70.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000124139 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8070.00 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.561% 6.375% 6.375% $3,668.36 No $12,343.20 $1,028.60 $1,337.04 $111.42 $0.00 $0.00 $0.00 $4,808.38 $6,115.62 N/A xxxxx 44.40% 44.40% 44.40% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 35 25 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 819 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 26.6 XXXXX 26.6 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 11 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000124147 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 8852.30 xx/xx/xxxx 6.370% Manual Underwriting Manual Underwriting No 6.770% 6.500% 6.500% $2,060.54 No $6,643.80 $553.65 $1,593.00 $132.75 $0.00 $0.00 $0.00 $2,746.94 $4,446.28 N/A xxxxx 42.71% 52.19% 52.19% No Unknown Asset Depletion – Debt Ratio Calculation 0 NA N/A 0 0 0 3 0 NA Yes No 84.0 No Yes Yes 3 0 No 0.00% 0.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026 Borrower - 3 YRS Executed 4506T Verified - 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 745 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 0.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000124310 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 6116.16 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.903% 6.625% 6.625% $1,613.58 No $8,228.04 $685.67 $885.00 $73.75 $0.00 $0.00 $0.00 $2,373.00 $7,563.00 N/A xxxxx 24.53% 24.37% 24.37% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 758 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 53.4 XXXXX 53.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000124512 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.375% 6.375% $7,149.55 Yes 16.000% $12,515.04 $1,042.92 $2,577.00 $214.75 $0.00 $0.00 $0.00 $8,407.22 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.773 0.78 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 806 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 7.2 XXXXX 7.2 No 60.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000124527 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 2330.00 xx/xx/xxxx 6.370% Manual Underwriting Manual Underwriting No 6.949% 6.750% 6.750% $1,524.21 No $7,142.64 $595.22 $1,719.00 $143.25 $0.00 $0.00 $0.00 $2,262.68 $3,044.68 N/A xxxxx 49.31% 49.31% 49.31% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 3 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% Stocks/Bonds,Proceeds from Sale N/A 0 N/A Yes 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 Borrower - 3 YRS Executed 4506T Verified - 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 809 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 37.0 XXXXX 48.2 No 56.63 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 26 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000124552 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 6550.13 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.683% 6.375% 6.375% $1,637.66 No $4,429.20 $369.10 $687.00 $57.25 $0.00 $0.00 $0.00 $2,064.01 $3,875.99 N/A xxxxx 35.40% 35.40% 35.40% No Employed Written Verification of Employment 0 NA N/A 0 0 0 3 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 24 24 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 809 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other Perm Resident Card xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 12.7 XXXXX 12.7 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 3 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000124674 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.875% 7.875% $906.34 No $2,322.24 $193.52 $1,197.00 $99.75 $0.00 $0.00 $0.00 $1,199.61 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.05 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 704 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 47.4 No 69.44 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000124728 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $2,951.67 No $8,545.80 $712.15 $2,141.28 $178.44 $0.00 $0.00 $0.00 $3,842.26 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.093 1.09 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 748 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 10.6 XXXXX 10.6 No 54.12 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000124817 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 8972.39 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 7.181% 6.875% 6.875% $2,391.22 No $6,850.20 $570.85 $981.96 $81.83 $0.00 $0.00 $0.00 $3,043.90 $6,812.27 N/A xxxxx 31.06% 31.06% 31.06% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 0 No NA 0 0 N/A 0 No 0 N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 784 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 34.0 XXXXX 34.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 2.7 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000124921 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.625% 7.625% $2,234.50 No $2,460.00 $205.00 $1,413.00 $117.75 $0.00 $0.00 $0.00 $2,557.25 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.056 1.03 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 708 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 34.9 XXXXX 34.9 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000124924 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 9.000% 9.000% $13,276.27 No $6,741.00 $561.75 $4,929.96 $410.83 $0.00 $0.00 $0.00 $14,248.85 $70,607.14 N/A xxxxx 30.27% 38.17% 38.17% Yes Self-Employed 24 Month Bank Statement 0 NA N/A 0 0 0 2 0 NA No No 0 No Yes Yes 0 24 No 0.00% 50.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 N/A Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 700 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.3 XXXXX 15.7 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No 17 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000124960 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1454.00 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 7.471% 7.375% 7.375% $4,691.07 No $6,537.36 $544.78 $723.72 $60.31 $3,840.00 $320.00 $0.00 $5,616.16 $10,488.76 Yes xxxxx xxxxx xxxxx xxxxx Monthly 38.40% 35.86% 35.86% No Self-Employed 1YR Full Doc 1 NA N/A 0 1 1 3 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Borrower Prepared 4 Borrower NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - 2025, 2026 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 792 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 29.0 XXXXX 29.0 No 80.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 4 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000125095 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 2190.00 xx/xx/xxxx 6.210% Manual Underwriting Manual Underwriting No 7.299% 6.625% 6.625% $2,532.43 No $6,720.96 $560.08 $1,290.96 $107.58 $650.04 $54.17 $0.00 $3,254.26 $5,506.74 N/A xxxxx xxxxx xxxxx Annually 44.90% 42.03% 47.76% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 26 26 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 794 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 11.6 XXXXX 6.5 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 15 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125106 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $2,626.38 No $10,040.40 $836.70 $1,741.56 $145.13 $0.00 $0.00 $0.00 $3,608.21 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.097 1.097 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 662 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 0.0 XXXXX 24.3 No 56.62 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000125204 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 12120.00 xx/xx/xxxx 6.210% Manual Underwriting Manual Underwriting No 7.331% 8.750% 6.750% $23,601.01 No $86,018.52 $7,168.21 $6,063.96 $505.33 $5,134.92 $427.91 $0.00 $31,702.46 $74,008.17 N/A xxxxx xxxxx xxxxx Monthly 33.33% 35.17% 35.17% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 24 No NA 0 0 N/A 0 No 0 N/A Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 807 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 99.5 XXXXX 99.5 No 66.26 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125319 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $5,380.27 7.250% 7.250% $4,822.99 No $11,483.28 $956.94 $3,711.96 $309.33 $0.00 $0.00 $0.00 $6,089.26 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 1.368 1.368 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 771 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 956.1 XXXXX 956.1 No 70.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 3 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125390 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.375% $2,576.95 No $6,923.04 $576.92 $1,001.04 $83.42 $2,640.00 $220.00 $0.00 $3,482.20 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.005 1.005 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 750 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA) xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 372.6 XXXXX 372.6 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125416 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 42491.50 xx/xx/xxxx 6.370% Manual Underwriting Manual Underwriting No 6.894% 6.875% 6.875% $18,599.30 No $4,444.20 $370.35 $8,237.04 $686.42 $0.00 $0.00 $0.00 $19,656.07 $103,711.51 N/A xxxxx 17.18% 16.04% 16.04% No Not Employed Asset Utilization (with DTI) 0 NA N/A 0 0 0 2 0 NA No No 60.0 No Yes N/A 6 0 No 0.00% 0.00% Stocks/Bonds,Proceeds from Sale N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 N/A Borrower - Asset Depletion - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 769 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 49.0 XXXXX 49.0 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125602 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.375% $1,937.34 No $189.12 $15.76 $1,755.24 $146.27 $0.00 $0.00 $0.00 $2,099.37 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.881 0.88 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 16.8 XXXXX 16.8 No 72.86 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Limited Cash Out - <2% of Loan Amount or $2000 xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125691 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $3,786.08 No $12,985.92 $1,082.16 $2,306.04 $192.17 $22,740.00 $1,895.00 $0.00 $6,955.41 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.438 1.42 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 765 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 16.5 No 64.58 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125808 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.000% $3,749.54 No $8,937.48 $744.79 $3,338.04 $278.17 $48.96 $4.08 $0.00 $4,776.58 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.597 0 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 780 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 35.9 XXXXX 35.9 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125893 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 4418.70 xx/xx/xxxx 6.370% Manual Underwriting Manual Underwriting No 7.496% 7.375% 7.375% $1,139.61 No $3,801.48 $316.79 $1,893.96 $157.83 $0.00 $0.00 $0.00 $1,614.23 $5,977.86 N/A xxxxx xxxxx xxxxx Annually 34.60% 34.60% 34.60% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 Yes No No 0 No Yes Yes 0 12 No 0.00% 100.00% Proceeds from Sale N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 687 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.7 XXXXX 9.7 No 47.83 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 18 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125898 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,872.25 No $2,443.92 $203.66 $1,247.04 $103.92 $549.96 $45.83 $0.00 $2,225.66 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.011 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 697 No 7 xx/xx/xxxx xx/xx/xxxx 1 112 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 234.8 XXXXX 234.8 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125903 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $3,645.95 No $4,283.28 $356.94 $7,139.04 $594.92 $0.00 $0.00 $0.00 $4,597.81 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.805 0.8 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 781 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No xxxxx No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 10.6 XXXXX 10.6 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000125906 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.250% 7.250% $3,319.90 No $5,592.96 $466.08 $1,668.96 $139.08 $99.96 $8.33 $0.00 $3,933.39 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.814 0.91 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 741 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 72.4 XXXXX 72.4 No 70.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000126004 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $2,537.50 7.250% 7.250% $6,132.29 No $20,566.92 $1,713.91 $1,103.04 $91.92 $9,972.00 $831.00 $0.00 $8,769.12 $253,498.56 Yes xxxxx xxxxx xxxxx xxxxx Monthly 13.72% 8.86% 8.86% Yes Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% Stocks/Bonds N/A 0 N/A Yes 84 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 780 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 5.0 XXXXX 82.9 No 70.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No 32.31 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000126083 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $4,322.10 No $17,316.00 $1,443.00 $4,912.80 $409.40 $0.00 $0.00 $0.00 $6,174.50 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.49 1.35 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 759 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 171.2 XXXXX 13.2 No 40.91 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 3 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000126130 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 12032.35 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.892% 6.625% 6.625% $4,194.04 No $11,969.16 $997.43 $1,795.32 $149.61 $996.00 $83.00 $0.00 $5,424.08 $10,950.93 N/A xxxxx xxxxx xxxxx xxxxx Monthly 42.58% 44.22% 44.22% No No Retired Unknown Asset Depletion – Debt Ratio Calculation 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 Yes NA Yes Yes 84.0 No Yes Yes 2 0 Yes N/A 2 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SSI and Disability, Retirement, Asset Depletion, Other REO Net Rental Income(Loss) - Award Letter Verified, Personal Bank Statements Verified - 2025, 2026 || Co Borrower - Other REO Net Rental Income(Loss) - Personal Bank Statements Verified, Lease Agreements Verified Borrower - 2025, 2026 || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 820 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 254.5 XXXXX 254.5 No 62.09 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126200 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $3,708.00 6.625% 6.625% $1,234.20 No $6,442.80 $536.90 $1,236.00 $103.00 $468.96 $39.08 $0.00 $1,913.18 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.072 1.07 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 730 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 114.4 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126381 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 10292.92 xx/xx/xxxx 6.300% Manual Underwriting Manual Underwriting No 6.528% 6.375% 6.375% $3,852.89 No $2,774.52 $231.21 $1,290.00 $107.50 $0.00 $0.00 $0.00 $4,191.60 $8,131.16 N/A xxxxx 49.79% 38.43% 49.79% No No Retired Self-Employed 1YR Full Doc 0 0 NA NA N/A 0 N/A 0 0 0 1 0 2 1 Yes NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 100.00% N/A 0 N/A Third-Party Prepared (Unaudited) CPA 3 NA 0 Yes 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - 2026 || Co Borrower - SESoleProprietor, SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2026 || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 14.5 XXXXX 25.1 No 46.79 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 36.4 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126428 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 1675.00 xx/xx/xxxx 6.300% Manual Underwriting Manual Underwriting No 6.788% 6.625% 6.625% $3,441.67 No $11,008.44 $917.37 $2,451.96 $204.33 $0.00 $0.00 $0.00 $4,563.37 $8,374.83 N/A xxxxx 47.12% 46.88% 46.88% No Retired Asset Depletion – Debt Ratio Calculation 0 NA N/A 0 0 0 0 0 NA Yes No 60.0 No Yes Yes 3 0 No 0.00% 100.00% Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 752 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 277.0 XXXXX 277.0 No 61.85 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126568 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.125% 6.125% $5,760.15 No $12,615.96 $1,051.33 $3,677.04 $306.42 $0.00 $0.00 $0.00 $7,117.90 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.026 1.03 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 781 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 10.7 XXXXX 10.7 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000126640 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $1,111.64 No $1,520.04 $126.67 $1,524.00 $127.00 $0.00 $0.00 $0.00 $1,365.31 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.282 1.28 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 782 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 101.0 XXXXX 101.0 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126654 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,718.53 Yes 35.000% $8,716.80 $726.40 $2,682.96 $223.58 $0.00 $0.00 $0.00 $2,668.51 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.087 1.1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 735 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.3 XXXXX 9.3 No 80.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126772 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 13986.25 xx/xx/xxxx 6.300% Manual Underwriting Manual Underwriting No 6.178% 6.000% 6.000% $4,992.76 No $14,149.08 $1,179.09 $1,488.96 $124.08 $0.00 $0.00 $0.00 $6,295.93 $20,362.22 N/A xxxxx 23.97% 23.97% 23.97% No No Retired Not Employed Asset Utilization (with DTI) 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 84.0 No Yes Yes 5 0 No N/A 0 0 0.00% 0.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Asset Depletion - Personal Bank Statements Verified - 2026 || Co Borrower Borrower - 2026 || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 804 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 454.0 XXXXX 454.0 No 63.81 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126786 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $2,324.33 No $1,821.00 $151.75 $1,503.00 $125.25 $1,014.96 $84.58 $0.00 $2,685.91 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.931 0.93 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 777 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 425.7 XXXXX 425.7 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126800 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $3,146.54 No $8,370.84 $697.57 $4,841.04 $403.42 $0.00 $0.00 $0.00 $4,247.53 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.142 1.16 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 742 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.0 XXXXX 6.0 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 3 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000126824 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 6705.00 xx/xx/xxxx 6.300% Manual Underwriting Manual Underwriting No 6.432% 6.375% 6.375% $7,835.81 No $28,136.40 $2,344.70 $4,011.96 $334.33 $0.00 $0.00 $0.00 $10,514.84 $22,806.37 N/A xxxxx 54.51% 51.98% 51.98% No Self-Employed 1YR Full Doc 2 1 Month N/A 0 1 0 2 1 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 799 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 42.1 XXXXX 42.1 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126851 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,893.91 No $11,372.40 $947.70 $1,959.96 $163.33 $0.00 $0.00 $0.00 $3,004.94 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.098 0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 740 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 91.2 No 50.78 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000126981 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $3,522.44 No $2,877.36 $239.78 $3,789.96 $315.83 $0.00 $0.00 $0.00 $4,078.05 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.103 1.11 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 758 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA Patriot Act  xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 121.3 No 60.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000126991 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $13,558.25 Yes 24.000% $23,737.56 $1,978.13 $4,277.16 $356.43 $0.00 $0.00 $0.00 $15,892.81 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.007 1.007 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 741 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 21.7 XXXXX 21.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 4 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000127010 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,346.70 No $2,939.64 $244.97 $789.00 $65.75 $0.00 $0.00 $0.00 $1,657.42 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.207 1.2 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 785 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 0.0 XXXXX 118.2 No 35.96 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127078 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.990% 6.990% $872.33 No $1,011.60 $84.30 $662.04 $55.17 $0.00 $0.00 $0.00 $1,011.80 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.062 1.06 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 816 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 125.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127091 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.990% 6.990% $897.05 No $2,128.68 $177.39 $701.04 $58.42 $0.00 $0.00 $0.00 $1,132.86 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.006 1.01 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 816 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 133.3 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127095 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 11290.00 xx/xx/xxxx 6.300% Manual Underwriting Manual Underwriting No 7.828% 7.500% 7.500% $3,146.47 No $2,246.64 $187.22 $423.96 $35.33 $6,163.80 $513.65 $0.00 $3,882.67 $6,386.33 Yes xxxxx xxxxx xxxxx Monthly 48.91% 48.91% 48.91% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 24 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 691 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 43.8 No 52.94 Yes No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 20 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000127197 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1105.00 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.384% 6.375% 6.375% $10,730.56 No $17,070.00 $1,422.50 $4,959.24 $413.27 $0.00 $0.00 $0.00 $12,566.33 $68,378.54 N/A xxxxx 24.52% 23.98% 23.98% Yes Yes Employed Not Employed Written Verification of Employment 0 0 1 Month NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 175 175 Work Number NA 0 0 N/A No 0 Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2026, 2024 || Co Borrower - 3 YRS Executed 4506T Verified Borrower - 3 YRS Executed 4506T Verified - 2025, 2026, 2024 || Co Borrower - 3 YRS Executed 4506T Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 21.0 XXXXX 21.0 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 15 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127258 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,269.12 No $1,239.96 $103.33 $1,445.04 $120.42 $0.00 $0.00 $0.00 $1,492.87 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.005 0.99 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 24.0 XXXXX 24.0 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127362 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.000% 6.000% $1,378.97 No $1,951.92 $162.66 $282.96 $23.58 $1,560.00 $130.00 $0.00 $1,695.21 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.18 1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 767 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 125.9 No 53.49 Yes No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127460 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 3865.00 xx/xx/xxxx 5.700% Manual Underwriting Manual Underwriting No 6.852% 6.500% 6.500% $2,613.32 No $12,613.80 $1,051.15 $654.96 $54.58 $7,080.00 $590.00 $0.00 $4,309.05 $22,220.64 No xxxxx xxxxx xxxxx Monthly 34.00% 34.14% 34.14% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 3 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 12 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 758 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No xxxxx No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 10.1 XXXXX 10.1 No 50.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 13.34 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127494 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,195.61 No $3,249.96 $270.83 $2,618.04 $218.17 $0.00 $0.00 $0.00 $1,684.61 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 2.226 2.226 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 771 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 172.0 XXXXX 172.0 No 70.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127508 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $1,454.56 No $1,041.00 $86.75 $4,119.00 $343.25 $0.00 $0.00 $0.00 $1,884.56 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.91 1.9 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 762 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 3.2 XXXXX 3.2 No 71.1 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 4 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127588 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,554.02 No $15,354.12 $1,279.51 $3,350.04 $279.17 $0.00 $0.00 $0.00 $3,112.70 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.703 1.85 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 675 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A xx/xx/xxxx Fee Simple No No N/A XXXXX 16.6 XXXXX 16.6 No 27.27 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000127591 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A Alternate Income Documentation 16120.00 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 6.877% 6.750% 6.750% $9,485.75 No $16,555.80 $1,379.65 $3,931.56 $327.63 $0.00 $0.00 $0.00 $11,193.03 $25,685.19 N/A xxxxx 42.92% 42.92% 42.92% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 12 CPA NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Lease Agreements Verified Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 779 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.5 XXXXX 9.5 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 15 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000127597 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $2,116.05 No $4,960.56 $413.38 $780.00 $65.00 $0.00 $0.00 $0.00 $2,594.43 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.925 0.94 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 787 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA) xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 27.5 XXXXX 27.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127599 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.750% 7.750% $2,149.24 No $2,308.44 $192.37 $3,839.52 $319.96 $0.00 $0.00 $0.00 $2,661.57 N/A xxxxx 126.73% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.751 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 703 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 7.8 XXXXX 7.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127705 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $2,711.65 No $10,421.28 $868.44 $1,977.96 $164.83 $849.96 $70.83 $0.00 $3,815.75 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.337 1.37 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 701 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 233.1 XXXXX 233.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 4 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127723 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1756.00 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 7.069% 7.000% 7.000% $13,133.74 No $15,576.36 $1,298.03 $4,781.04 $398.42 $0.00 $0.00 $0.00 $14,830.19 $69,087.69 N/A xxxxx 45.05% 43.27% 43.27% No No Retired Retired 2YR Full Doc 0 0 NA NA N/A 0 N/A 0 2 0 2 0 3 3 Yes Yes No No 0 No No N/A 0 0 No N/A 0 0 0.00% 100.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Yes Borrower - SSI and Disability, Note Receivable, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified, Note Receivable Verified - 2024, 2025, 2026 || Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - 2024, 2025 Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 798 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 104.1 XXXXX 104.1 No 79.86 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127933 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,734.29 No $8,354.88 $696.24 $780.00 $65.00 $699.96 $58.33 $0.00 $2,553.86 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.002 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 722 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.1 XXXXX 6.1 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000127987 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 8052.50 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 7.065% 7.000% 7.000% $8,732.10 No $9,636.48 $803.04 $14,329.92 $1,194.16 $0.00 $0.00 $0.00 $10,729.30 $36,382.73 N/A xxxxx 37.67% 37.36% 37.36% Yes Retired Asset Depletion – Debt Ratio Calculation 0 NA N/A 0 0 0 0 0 NA Yes No 84.0 No Yes Missing 3 0 No 0.00% 0.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2026 Borrower - 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 714 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 356.0 XXXXX 356.0 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128004 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.625% 6.625% $1,280.62 No $2,400.00 $200.00 $3,327.00 $277.25 $345.00 $28.75 $0.00 $1,786.62 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.399 1.4 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 786 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 13.3 XXXXX 13.3 No 69.69 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128013 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Interest Only 3303.20 xx/xx/xxxx 5.990% Manual Underwriting Manual Underwriting No 7.223% 7.625% 6.750% $12,686.76 No $16,972.92 $1,414.41 $4,104.96 $342.08 $0.00 $0.00 $0.00 $14,443.25 $157,972.84 N/A xxxxx 11.46% 11.46% 11.00% No No Self-Employed Not Employed 12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 0.00% 100.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 Yes 408 No 0 NA 0 0 N/A NA 0 0 N/A No 0 N/A Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025 || Co Borrower - 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified - 2025 || Co Borrower - 2 YRS Executed 4506T Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 761 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 268.3 XXXXX 268.3 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 40 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128116 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $3,324.07 No $12,812.52 $1,067.71 $2,435.04 $202.92 $0.00 $0.00 $0.00 $4,594.70 $30,496.54 N/A xxxxx 32.34% 32.34% 32.34% Yes Yes Self-Employed Self-Employed 1YR Business P&L 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 99.00% 1.00% Third-Party Prepared (Unaudited) 12 CPA Third-Party Prepared (Unaudited) CPA 12 Yes 0 Yes 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 || Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 || Co Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 23.7 XXXXX 23.7 No 50.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No 6.08 6.08 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128133 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $826.63 No $733.20 $61.10 $1,409.04 $117.42 $0.00 $0.00 $0.00 $1,005.15 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.443 1.35 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 688 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 48.1 XXXXX 48.1 No 48.01 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128150 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $5,041.93 No $10,969.20 $914.10 $6,333.84 $527.82 $0.00 $0.00 $0.00 $6,483.85 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.601 0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 795 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 92.0 XXXXX 92.0 No 74.49 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128253 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $891.78 No $5,187.96 $432.33 $1,538.52 $128.21 $0.00 $0.00 $0.00 $1,452.32 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.205 1.205 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 37.3 XXXXX 37.3 No 67.88 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128287 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.750% 7.750% $1,203.57 No $3,393.12 $282.76 $1,211.88 $100.99 $300.00 $25.00 $0.00 $1,612.32 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Proceeds from Sale 0 0 No 0 0 0 Yes 1.085 1.08 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 720 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.9 XXXXX 7.9 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128326 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 1940.00 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 6.645% 6.625% 6.625% $12,037.85 No $31,406.04 $2,617.17 $2,545.08 $212.09 $0.00 $0.00 $0.00 $14,867.11 $21,786.56 N/A xxxxx 44.96% 44.96% 44.96% No No Self-Employed Employed 2YR Full Doc 0 2 NA 1 Month N/A 0 N/A 0 2 2 2 0 3 3 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 50.00% 0.00% Stocks/Bonds Borrower Prepared 4 Borrower N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 1 99 Work Number No 0 Yes Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 782 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 58.1 XXXXX 32.7 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 11.3 11.6 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128444 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 7310.00 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 7.693% 7.500% 7.500% $3,719.82 No $9,711.96 $809.33 $1,823.04 $151.92 $0.00 $0.00 $0.00 $4,681.07 $7,026.61 N/A xxxxx 40.45% 40.45% 40.45% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% N/A 0 N/A Yes 12 No NA 0 0 N/A 0 No 0 N/A Borrower - SESCorp - CPA Letter Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 764 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 5.5 XXXXX 85.7 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7.12 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128447 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.375% 6.375% $3,718.75 No $6,346.44 $528.87 $2,339.04 $194.92 $0.00 $0.00 $0.00 $4,442.54 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.013 1.013 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 281.9 XXXXX 281.9 No 41.18 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000128449 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1995.00 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 6.707% 6.375% 6.375% $1,547.20 No $4,998.48 $416.54 $4,022.28 $335.19 $0.00 $0.00 $0.00 $2,298.93 $12,170.05 N/A xxxxx 40.28% 40.28% 40.28% Yes Yes Employed Not Employed 2YR Full Doc 2 0 1 Month NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 135 28 Work Number NA 0 0 N/A No 0 Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 792 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 222.5 XXXXX 222.5 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 20 N/A N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000128521 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1940.00 xx/xx/xxxx 6.740% Manual Underwriting Manual Underwriting No 6.465% 6.375% 6.375% $4,990.96 No $36,249.96 $3,020.83 $6,960.00 $580.00 $0.00 $0.00 $0.00 $8,591.79 $10,944.13 N/A xxxxx 47.64% 47.65% 47.65% No No Employed Employed 2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2025, 2026, 2024 Borrower - 2 YRS Executed 4506T Verified - 2026, 2025, 2024 || Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2026, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 798 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.9 XXXXX 9.9 No 27.59 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 9 7.8 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128538 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $2,028.49 No $3,996.00 $333.00 $476.04 $39.67 $14,400.00 $1,200.00 $0.00 $3,601.16 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.0 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 671 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 26.2 XXXXX 26.2 No 54.87 Yes No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128543 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A Alternate Income Documentation 54595.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.955% 6.875% 6.875% $15,503.52 No $9,381.00 $781.75 $5,394.48 $449.54 $1,500.00 $125.00 $0.00 $16,859.81 $35,849.33 N/A xxxxx xxxxx xxxxx Annually 37.18% 37.18% 37.18% No Self-Employed 1YR Full Doc 0 NA N/A 0 1 1 1 2 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Proceeds from Sale Borrower Prepared 16 Borrower NA 0 No NA 0 0 N/A 0 No 0 Borrower - SEPartnership, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 779 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 242.8 XXXXX 242.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 13.17 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128681 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $875.61 No $1,734.12 $144.51 $1,299.00 $108.25 $0.00 $0.00 $0.00 $1,128.37 N/A xxxxx 2229.53% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.352 1.32 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 790 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 195.2 XXXXX 805.3 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128701 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $900.64 Yes 25.000% $3,263.04 $271.92 $1,402.68 $116.89 $0.00 $0.00 $0.00 $1,289.45 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.086 1.08 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 13.1 XXXXX 13.1 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Limited Cash Out - <2% of Loan Amount or $2000 xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx
4000128703 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,059.32 No $1,322.64 $110.22 $2,312.04 $192.67 $0.00 $0.00 $0.00 $1,362.21 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.285 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 27.0 XXXXX 27.0 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128720 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Higher Priced APOR (APOR HP) Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.200% Manual Underwriting Manual Underwriting No 7.254% 6.625% 6.625% $5,410.63 No $13,753.32 $1,146.11 $1,889.04 $157.42 $0.00 $0.00 $0.00 $6,714.16 $10,936.60 N/A xxxxx 42.83% 38.32% 44.87% No No Employed Employed Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 47 28 FNMA 1005 Yes 47 28 FNMA 1005 No 0 Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 764 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Patriot Act Disclosure xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.6 XXXXX 8.6 No 58.28 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx ARM Conventional No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 10 N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000128738 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.250% 7.250% $1,009.62 Yes 25.000% $1,965.12 $163.76 $2,116.68 $176.39 $0.00 $0.00 $0.00 $1,349.77 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.259 1.26 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 12.5 XXXXX 16.3 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx
4000128787 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 8.750% 8.750% $1,437.70 No $7,962.24 $663.52 $1,653.24 $137.77 $0.00 $0.00 $0.00 $2,238.99 $3,635.82 N/A xxxxx 42.59% 42.60% 42.60% Yes Employed 2YR Full Doc 1 2+ Months N/A 0 1 0 2 2 NA No No 0 No No N/A 0 0 No 0.00% 100.00% N/A 0 N/A NA 0 No Yes 2 4 FNMA 1005 0 No 0 N/A Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2026, 2025, 2024 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 782 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 38.2 XXXXX 38.2 No 85.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 3 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No 11 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000128800 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2715.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.636% 6.625% 6.625% $9,244.49 No $21,612.96 $1,801.08 $25,846.08 $2,153.84 $0.00 $0.00 $0.00 $13,199.41 $37,193.83 N/A xxxxx 34.54% 34.04% 34.04% Yes Yes Employed Employed 2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 73 28 Work Number Yes 55 28 Work Number No 0 N/A Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 729 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 72.5 XXXXX 72.5 No 75.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10.96 14 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128825 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $939.32 Yes 25.000% $3,451.44 $287.62 $3,669.84 $305.82 $0.00 $0.00 $0.00 $1,532.76 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.076 1.2 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.0 XXXXX 11.0 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx
4000128839 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.737% 6.625% 6.625% $2,030.07 No $6,147.72 $512.31 $849.00 $70.75 $2,004.00 $167.00 $0.00 $2,780.13 $2,853.87 N/A xxxxx xxxxx xxxxx xxxxx Monthly 49.93% 49.93% 49.93% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 36 27 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 772 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.7 XXXXX 7.7 No 61.32 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 3 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128882 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $725.00 7.375% 7.375% $1,942.52 No $8,399.40 $699.95 $3,450.84 $287.57 $1,056.00 $88.00 $0.00 $3,018.04 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.779 0.8 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 721 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 14.8 XXXXX 14.8 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128888 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $2,867.11 Yes 13.500% $9,850.44 $820.87 $960.00 $80.00 $0.00 $0.00 $0.00 $3,767.98 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.168 1.2 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 807 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 14.3 XXXXX 14.3 No 60.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128894 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $11,085.00 7.500% 7.500% $6,200.63 No $7,227.12 $602.26 $1,699.32 $141.61 $0.00 $0.00 $0.00 $6,944.50 $28,554.73 N/A xxxxx 42.31% 42.31% 42.31% No No Self-Employed Not Employed 12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 85.76% 100.00% N/A 0 N/A N/A N/A 0 Yes 84 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified || Co Borrower Borrower || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 708 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx USA xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 158.8 XXXXX 158.8 No 79.18 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128915 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.500% $3,306.51 Yes 12.750% $7,840.20 $653.35 $3,433.08 $286.09 $0.00 $0.00 $0.00 $4,245.95 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.531 1.53 No Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 820 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.0 XXXXX 11.0 No 50.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000128919 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $3,587.25 Yes 12.750% $10,872.36 $906.03 $1,173.96 $97.83 $0.00 $0.00 $0.00 $4,591.11 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.416 1.416 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 757 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 6.8 XXXXX 6.8 No 44.28 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No Yes - ITIN Letter/Certificate xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000128940 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3455.00 xx/xx/xxxx 5.830% Manual Underwriting Manual Underwriting No 6.449% 6.000% 6.000% $1,856.49 No $6,438.12 $536.51 $1,121.04 $93.42 $0.00 $0.00 $0.00 $2,486.42 $3,658.58 N/A xxxxx 43.71% 43.71% 43.71% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 36 36 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 753 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other Patriot Act Form xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 13.6 XXXXX 13.6 No 30.14 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000128945 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.375% 6.375% $3,743.22 Yes 20.000% $10,495.44 $874.62 $4,805.04 $400.42 $0.00 $0.00 $0.00 $5,018.26 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.395 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 814 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 114.3 No 42.25 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000128975 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,920.93 No $9,075.00 $756.25 $726.96 $60.58 $3,120.00 $260.00 $0.00 $2,997.76 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.101 1.09 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 703 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other I-551 – Permanent Resident Card xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No Unknown N/A XXXXX 77.4 XXXXX 77.4 No 49.59 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129010 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $1,128.71 No $5,690.16 $474.18 $459.00 $38.25 $3,732.00 $311.00 $0.00 $1,952.14 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.281 1.46 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 785 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 18.5 XXXXX 18.5 No 40.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129025 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,301.38 No $4,161.48 $346.79 $0.00 $0.00 $4,953.12 $412.76 $0.00 $2,060.93 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.067 1.05 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 737 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 37.5 XXXXX 37.5 No 70.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129046 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,754.00 No $3,615.60 $301.30 $1,105.68 $92.14 $0.00 $0.00 $0.00 $2,147.44 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.164 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 724 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Not Required xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.0 XXXXX 7.0 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129117 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $4,079.25 Yes 25.000% $17,149.92 $1,429.16 $1,911.96 $159.33 $0.00 $0.00 $0.00 $5,667.74 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.059 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 766 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 22.2 XXXXX 22.2 No 69.93 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx
4000129118 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.750% 7.750% $1,659.21 No $4,947.00 $412.25 $824.04 $68.67 $0.00 $0.00 $0.00 $2,140.13 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.028 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 805 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 69.4 XXXXX 69.4 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129120 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.990% 6.990% $3,628.89 Yes 13.980% $7,100.04 $591.67 $3,216.00 $268.00 $0.00 $0.00 $0.00 $4,488.56 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.693 1.693 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 801 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 8.1 XXXXX 8.1 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129128 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $10,232.64 Yes 14.500% $12,968.52 $1,080.71 $2,786.16 $232.18 $0.00 $0.00 $0.00 $11,545.53 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.762 0.76 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 772 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 15.1 XXXXX 15.1 No 69.77 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129144 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $985.39 No $3,478.80 $289.90 $2,418.00 $201.50 $0.00 $0.00 $0.00 $1,476.79 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.354 1.481 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 732 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 42.2 No 52.82 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129158 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $1,468.35 Yes 25.000% $4,592.76 $382.73 $834.96 $69.58 $344.04 $28.67 $0.00 $1,949.33 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.231 1.17 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 702 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.5 XXXXX 8.5 No 68.85 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx
4000129177 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 6.875% $3,069.79 No $12,884.16 $1,073.68 $2,499.96 $208.33 $0.00 $0.00 $0.00 $4,351.80 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.195 1.27 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 666 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 25.8 No 54.88 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129208 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $4,922.04 No $4,771.92 $397.66 $1,713.00 $142.75 $0.00 $0.00 $0.00 $5,462.45 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.87 0.85 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 746 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 59.8 XXXXX 59.8 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129210 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.696% 6.625% 6.625% $6,969.78 No $27,332.88 $2,277.74 $1,397.04 $116.42 $25,368.00 $2,114.00 $0.00 $11,477.94 $48,629.27 Yes xxxxx xxxxx xxxxx xxxxx Monthly 24.69% 29.10% 29.10% No Retired Asset Depletion – Debt Ratio Calculation 0 NA N/A 0 0 0 0 0 NA Yes No 84.0 No Yes Yes 4 0 No 0.00% 0.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2026 Borrower - 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 794 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 901.6 No 70.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129230 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2141.41 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.713% 6.625% 6.625% $4,236.30 No $10,070.16 $839.18 $4,183.92 $348.66 $0.00 $0.00 $0.00 $5,424.14 $18,579.50 N/A xxxxx 40.82% 41.06% 41.06% Yes Yes Employed Employed 2YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 68 68 Work Number Yes 245 245 Work Number No 0 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 764 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 21.1 XXXXX 21.1 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 24 24 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129260 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $5,173.31 No $11,533.44 $961.12 $2,755.92 $229.66 $0.00 $0.00 $0.00 $6,364.09 N/A xxxxx 602.04% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.966 1.08 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 819 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A xx/xx/xxxx Fee Simple No No N/A XXXXX 32.1 XXXXX 32.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 4 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129263 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.375% $2,222.25 No $7,767.60 $647.30 $1,068.36 $89.03 $1,488.00 $124.00 $0.00 $3,082.58 N/A xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.848 0.9 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 801 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.4 XXXXX 9.4 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129278 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $1,699.33 No $6,985.68 $582.14 $1,010.40 $84.20 $4,800.00 $400.00 $0.00 $2,765.67 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.067 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 19.4 XXXXX 19.4 No 42.81 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129289 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1790.00 xx/xx/xxxx 6.060% Manual Underwriting Manual Underwriting No 7.675% 7.500% 7.625% $10,068.69 No $3,591.00 $299.25 $2,974.32 $247.86 $0.00 $0.00 $0.00 $10,615.80 $13,174.20 N/A xxxxx 47.80% 47.30% 47.30% No Employed 2YR Full Doc 2 1 Month N/A 0 0 0 2 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 21 21 Work Number 0 No 0 N/A Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 705 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 16.6 XXXXX 16.6 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 1.96 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129359 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 1875.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 7.440% 7.375% 7.370% $5,028.12 No $11,624.40 $968.70 $2,712.36 $226.03 $0.00 $0.00 $0.00 $6,222.85 $17,681.13 N/A xxxxx 49.44% 49.44% 49.44% No Not Employed Asset Depletion – Debt Ratio Calculation 0 NA N/A 0 0 0 2 0 NA Yes No 0 No Yes N/A 6 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 N/A Borrower - Investment Income, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2026 Borrower - 2 YRS Executed 4506T Verified - 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 728 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No xxxxx No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 34.6 XXXXX 34.6 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129360 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 9450.00 xx/xx/xxxx 5.990% Manual Underwriting Manual Underwriting No 6.700% 6.500% 6.500% $2,654.69 No $1,157.52 $96.46 $1,144.44 $95.37 $656.04 $54.67 $0.00 $2,901.19 $15,561.74 N/A xxxxx xxxxx xxxxx Annually 31.73% 31.73% 31.73% Yes Employed 2YR Full Doc 1 2+ Months N/A 0 1 0 2 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 64 64 Work Number 0 No 0 Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2026 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - 2025, 2024, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 726 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 19.2 XXXXX 19.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5.37 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129478 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,408.69 No $3,042.96 $253.58 $690.00 $57.50 $480.00 $40.00 $0.00 $1,759.77 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.25 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 741 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 45.5 XXXXX 45.5 No 64.71 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129496 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $6,000.00 6.875% 6.875% $1,576.63 No $5,427.60 $452.30 $1,598.04 $133.17 $800.04 $66.67 $0.00 $2,228.77 $17,845.40 N/A xxxxx xxxxx xxxxx Annually 19.23% 19.23% 19.23% Yes Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Audited 12 Tax Preparer Yes 36 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 751 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 37.8 XXXXX 37.8 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx xxxxx xxxxx No 3.4 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129547 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3148.50 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.534% 6.375% 6.375% $2,657.69 No $10,356.00 $863.00 $1,161.00 $96.75 $900.00 $75.00 $0.00 $3,692.44 $4,837.52 N/A xxxxx xxxxx xxxxx Monthly 49.11% 49.06% 49.06% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 28 28 FNMA 1005 0 No 0 Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 800 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 6.5 XXXXX 6.5 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 Yes - ITIN Card xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129611 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.750% 7.750% $3,653.70 No $11,628.00 $969.00 $1,784.88 $148.74 $0.00 $0.00 $0.00 $4,771.44 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.922 0.96 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 761 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.5 XXXXX 8.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129626 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $266.85 6.875% 6.875% $6,405.06 No $16,250.04 $1,354.17 $4,110.12 $342.51 $0.00 $0.00 $0.00 $8,101.74 $8,745.92 N/A xxxxx 49.07% 49.28% 49.28% Yes Yes Employed Employed 1YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 1 0 1 0 2 2 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 180 27 Work Number Yes 105 27 FNMA 1005 No 0 N/A Borrower - Wage, Commission, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 780 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 129.8 XXXXX 129.8 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 3 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No 26 10 N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129680 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 1895.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.774% 6.750% 6.750% $9,380.35 No $6,409.80 $534.15 $4,780.20 $398.35 $0.00 $0.00 $0.00 $10,312.85 $19,650.91 N/A xxxxx 41.27% 41.77% 41.77% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 779 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 19.3 XXXXX 23.2 No 65.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 9 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129712 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 8713.75 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 7.116% 6.990% 6.990% $1,744.66 No $4,572.96 $381.08 $1,304.64 $108.72 $6,219.96 $518.33 $0.00 $2,752.79 N/A xxxxx xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Yes Retired Retired Asset Utilization (No DTI) 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 Yes Yes N/A 3 0 No N/A 0 0 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - N/A - Personal Bank Statements Verified - 2026 || Co Borrower Borrower - 2026 || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 765 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx USA xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 454.3 XXXXX 454.3 No 75.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129734 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $4,204.00 No $8,676.96 $723.08 $2,703.96 $225.33 $594.96 $49.58 $0.00 $5,201.99 $16,661.31 N/A xxxxx xxxxx xxxxx xxxxx Annually 47.27% 47.27% 47.27% Yes Self-Employed 2YR Full Doc 0 NA N/A 0 2 2 3 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified - 2024, 2023 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1), 3 YRS Executed 4506T Verified - 2024, 2023 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 737 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 55.0 XXXXX 55.0 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes 8.07 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129754 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 9.000% 9.000% $3,788.97 No $2,882.52 $240.21 $1,581.00 $131.75 $0.00 $0.00 $0.00 $4,160.93 $67,667.85 N/A xxxxx 6.87% 6.87% 6.87% Yes Self-Employed 24 Month Bank Statement 0 NA N/A 0 0 0 3 0 NA No No 0 No Yes N/A 0 24 No 0.00% 100.00% N/A 0 N/A Yes 12 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 763 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 33.1 XXXXX 33.1 No 85.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes 33 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129759 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 11271.50 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 7.028% 6.875% 6.875% $6,377.46 No $22,875.60 $1,906.30 $3,303.96 $275.33 $0.00 $0.00 $0.00 $8,559.09 $13,390.22 N/A xxxxx 43.06% 39.64% 39.64% No No Employed Self-Employed 2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 2 2 2 1 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 100.00% 100.00% N/A 0 N/A Borrower Prepared Borrower 4 NA 0 Yes 4 NA 0 0 N/A NA 0 0 N/A No 0 N/A Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 794 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 22.3 XXXXX 22.3 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7 4 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129766 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8070.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.647% 6.375% 6.375% $2,495.48 No $4,392.36 $366.03 $1,274.04 $106.17 $2,640.00 $220.00 $0.00 $3,187.68 $9,963.32 N/A xxxxx xxxxx xxxxx Monthly 39.02% 39.02% 39.02% No No Not Employed Not Employed Asset Depletion – Debt Ratio Calculation 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA Yes No 0 No Yes Yes 4 0 Yes Yes 4 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 N/A Borrower - Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025, 2026 || Co Borrower - Investment Income - Personal Bank Statements Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 || Co Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 780 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 48.7 XXXXX 48.7 No 49.38 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129790 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,897.15 No $3,572.28 $297.69 $2,022.96 $168.58 $0.00 $0.00 $0.00 $2,363.42 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Proceeds from Sale 0 0 No 0 0 0 Yes 1.058 1.05 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 819 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.5 XXXXX 8.5 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129795 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 8256.00 xx/xx/xxxx 6.320% Manual Underwriting Manual Underwriting No 6.613% 6.375% 6.375% $2,398.16 No $1,984.56 $165.38 $4,944.60 $412.05 $0.00 $0.00 $0.00 $2,975.59 $14,000.42 N/A xxxxx 42.46% 42.46% 42.46% No No Not Employed Not Employed Asset Depletion – Total Asset Calculation 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA Yes No 60.0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) || Co Borrower Borrower || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 799 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 638.7 XXXXX 638.7 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129797 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Interest Only 1940.00 xx/xx/xxxx 6.200% Manual Underwriting Manual Underwriting No 7.388% 8.875% 6.875% $14,321.60 No $41,674.08 $3,472.84 $6,118.68 $509.89 $0.00 $0.00 $0.00 $18,304.33 $40,771.94 N/A xxxxx 34.35% 33.60% 36.42% No Self-Employed 2YR Full Doc 1 2+ Months N/A 0 2 0 3 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 24 Tax Preparer NA 0 No NA 0 0 N/A 0 No 0 Borrower - Other, Other, Other - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 792 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 99.8 XXXXX 99.8 No 52.07 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129803 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $1,897.15 No $3,554.76 $296.23 $2,022.96 $168.58 $0.00 $0.00 $0.00 $2,361.96 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.931 0.93 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 819 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Patriot Act Form xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 9.5 XXXXX 9.5 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129828 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $2,561.24 No $17,528.04 $1,460.67 $3,123.96 $260.33 $0.00 $0.00 $0.00 $4,282.24 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.547 1.55 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 727 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 13.2 XXXXX 13.2 No 42.78 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 3 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000129891 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $2,052.16 Yes 11.750% $2,368.56 $197.38 $1,047.00 $87.25 $0.00 $0.00 $0.00 $2,336.79 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.941 0.94 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 10.5 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129944 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $1,050.55 Yes 25.000% $2,414.16 $201.18 $1,534.80 $127.90 $0.00 $0.00 $0.00 $1,379.63 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.45 1.44 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 709 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Notary ID xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 0.0 XXXXX 97.4 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx
4000129967 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $1,692.91 No $8,158.80 $679.90 $1,817.16 $151.43 $3,864.00 $322.00 $0.00 $2,846.24 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.098 1.09 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 746 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT DISCLOSURE xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 93.2 XXXXX 93.2 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129969 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 7510.24 xx/xx/xxxx 6.300% Manual Underwriting Manual Underwriting No 7.104% 6.990% 6.990% $1,302.68 No $4,112.40 $342.70 $194.04 $16.17 $4,800.00 $400.00 $0.00 $2,061.55 $2,293.30 Yes xxxxx xxxxx xxxxx Monthly 49.35% 49.41% 49.41% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes Yes 7 5 No 0.00% 50.00% N/A 0 N/A Yes 144 No NA 0 0 N/A 0 No 0 Borrower - SESCorp - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 786 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA Patriot Act Disclosure xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 16.5 XXXXX 16.5 No 70.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 11 N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000129972 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $3,352.50 7.250% 7.250% $1,705.44 No $597.96 $49.83 $1,640.04 $136.67 $0.00 $0.00 $0.00 $1,891.94 N/A xxxxx xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.321 1.321 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 111.7 XXXXX 111.7 No 58.82 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Limited Cash Out - <2% of Loan Amount or $2000 xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129986 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2615.00 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 6.967% 6.750% 6.750% $1,167.48 No $3,231.96 $269.33 $1,125.00 $93.75 $564.00 $47.00 $0.00 $1,577.56 $28,813.51 N/A xxxxx xxxxx xxxxx Monthly 6.95% 7.04% 7.04% No Self-Employed 24 Month Bank Statement 0 NA N/A 0 0 0 2 0 NA No No 0 No Yes Yes 0 24 No 0.00% 100.00% N/A 0 N/A Yes 24 No NA 0 0 N/A 0 No 0 Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 61.0 XXXXX 61.0 No 61.86 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000129987 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $2,358.01 No $5,064.12 $422.01 $999.00 $83.25 $0.00 $0.00 $0.00 $2,863.27 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.03 1.03 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 732 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 117.2 No 64.81 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130002 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 10368.44 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 7.613% 7.500% 7.500% $10,094.91 No $13,407.96 $1,117.33 $0.00 $0.00 $6,000.00 $500.00 $0.00 $11,712.24 $275,018.16 Yes xxxxx xxxxx xxxxx Monthly 28.19% 10.04% 10.04% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 2 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A Yes 60 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 752 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 61.4 No 75.0 Yes No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 20.05 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130054 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 3057.01 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 7.161% 6.875% 6.875% $985.40 No $8,909.76 $742.48 $1,242.96 $103.58 $2,832.00 $236.00 $0.00 $2,067.46 $3,696.07 N/A xxxxx xxxxx xxxxx xxxxx Monthly 45.04% 39.61% 39.61% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes N/A 0 12 No 100.00% 100.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 N/A Borrower - SESCorp - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 719 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 56.7 No 42.25 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6.53 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130100 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 6256.64 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 6.846% 6.490% 6.490% $1,350.49 No $4,512.96 $376.08 $714.96 $59.58 $8,580.00 $715.00 $0.00 $2,501.15 $10,829.25 Yes xxxxx xxxxx xxxxx Monthly 22.05% 20.23% 20.23% No Yes Employed Self-Employed 1YR Full Doc 1 0 2+ Months NA N/A 0 N/A 0 1 0 1 1 2 1 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 100.00% N/A 0 N/A Borrower Prepared Borrower 4 NA 0 Yes 12 Yes 9 9 FNMA 1005 NA 0 0 N/A No 0 N/A Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 773 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 23.1 XXXXX 23.1 No 70.0 Yes No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 7 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130234 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.625% 7.625% $902.44 No $1,823.64 $151.97 $1,218.60 $101.55 $0.00 $0.00 $0.00 $1,155.96 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.254 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 695 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 52.0 XXXXX 52.0 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130305 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $2,446.10 No $7,406.76 $617.23 $575.64 $47.97 $2,268.00 $189.00 $0.00 $3,300.30 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Proceeds from Sale 0 0 0 No 0 0 0 0 0 Yes 1.151 1.11 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 84.1 XXXXX 84.1 No 60.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130321 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $3,006.47 No $1,379.64 $114.97 $1,351.80 $112.65 $5,508.00 $459.00 $0.00 $3,693.09 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.758 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 771 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 52.0 XXXXX 52.0 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130375 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $3,733.86 No $7,729.68 $644.14 $2,864.04 $238.67 $0.00 $0.00 $0.00 $4,616.67 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.758 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.1 XXXXX 10.8 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130386 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $2,891.80 No $15,011.52 $1,250.96 $2,229.00 $185.75 $0.00 $0.00 $0.00 $4,328.51 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.086 1.06 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 23.9 XXXXX 23.9 No 71.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130502 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1795.00 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 7.473% 7.250% 7.250% $1,038.61 No $6,937.32 $578.11 $588.00 $49.00 $1,419.96 $118.33 $0.00 $1,784.05 $12,177.95 N/A xxxxx xxxxx xxxxx Annually 29.76% 29.77% 29.77% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Stocks/Bonds Audited 12 CPA Yes 84 No NA 0 0 N/A 0 No 0 N/A Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 806 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 46.3 XXXXX 46.3 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130507 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $4,302.90 No $9,264.72 $772.06 $10,455.36 $871.28 $600.00 $50.00 $0.00 $5,996.24 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes 1 - Not Stated Not Verified 1 - Not Stated, Not Verified 1 - Not Stated, Not Verified Unknown Unknown Unknown .00 Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 1.001 1 No Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 762 768 762 730 762 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License FL United States xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 77.6 XXXXX 77.6 No 64.93 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity Member on Behalf of Entity N/A xxxxx xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx FL xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130511 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.750% $3,137.52 No $541.68 $45.14 $1,788.96 $149.08 $0.00 $0.00 $0.00 $3,331.74 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.501 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 790 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 9.2 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130512 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $910.71 No $3,504.00 $292.00 $2,065.92 $172.16 $0.00 $0.00 $0.00 $1,374.87 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.309 1.6 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 784 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 112.9 XXXXX 112.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130513 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $3,137.52 No $541.68 $45.14 $1,788.96 $149.08 $0.00 $0.00 $0.00 $3,331.74 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.501 1.65 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 790 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 8.6 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130544 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $33.50 6.875% 6.875% $1,125.52 No $1,544.76 $128.73 $1,761.96 $146.83 $0.00 $0.00 $0.00 $1,401.08 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.285 1.29 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 707 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 14.3 XXXXX 14.3 No 63.46 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130567 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,968.96 No $2,088.48 $174.04 $320.04 $26.67 $1,368.00 $114.00 $0.00 $2,283.67 Yes xxxxx xxxxx xxxxx Monthly 254.21% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.314 1.29 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 756 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 5.3 XXXXX 5.3 No 75.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130656 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $2,338.65 No $6,405.00 $533.75 $3,210.00 $267.50 $0.00 $0.00 $0.00 $3,139.90 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.955 0.95 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 786 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 59.6 XXXXX 59.6 No 56.92 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 3% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130688 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 750.00 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 7.293% 7.250% 7.250% $4,093.06 No $17,466.48 $1,455.54 $3,183.96 $265.33 $0.00 $0.00 $0.00 $5,813.93 $77,885.54 N/A xxxxx 43.16% 43.16% 43.16% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 12 CPA Yes 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 67.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8.05 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130704 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $3,367.04 No $3,220.32 $268.36 $2,498.04 $208.17 $600.00 $50.00 $0.00 $3,893.57 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.925 0.5 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 724 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 39.0 XXXXX 39.0 No 65.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130706 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $1,610.19 No $4,436.16 $369.68 $1,022.04 $85.17 $0.00 $0.00 $0.00 $2,065.04 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.017 1.016 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 668 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 4.1 No 47.33 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130717 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $3,222.66 No $2,422.80 $201.90 $4,386.00 $365.50 $0.00 $0.00 $0.00 $3,790.06 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.055 1.06 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 765 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 7.4 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130722 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8030.00 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 6.950% 6.625% 6.625% $1,869.71 No $7,030.80 $585.90 $1,509.00 $125.75 $0.00 $0.00 $0.00 $2,581.36 $4,040.64 N/A xxxxx 40.58% 40.58% 40.58% No Employed Written Verification of Employment 0 NA N/A 0 0 0 3 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 26 26 Work Number 0 No 0 Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 785 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 16.9 XXXXX 16.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 2.26 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130772 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $997.95 No $6,726.12 $560.51 $720.00 $60.00 $0.00 $0.00 $0.00 $1,618.46 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.298 1.28 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 712 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 46.7 XXXXX 46.7 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130778 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $997.95 No $4,496.88 $374.74 $720.00 $60.00 $0.00 $0.00 $0.00 $1,432.69 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.466 1.44 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 712 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 55.1 XXXXX 55.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130828 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $3,178.13 No $7,812.84 $651.07 $2,358.96 $196.58 $0.00 $0.00 $0.00 $4,025.78 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.49 1.48 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 760 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.7 XXXXX 11.7 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000130842 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $4,662.07 No $5,905.44 $492.12 $1,788.00 $149.00 $0.00 $0.00 $0.00 $5,303.19 N/A xxxxx 1386804.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.66 0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 769 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 16.7 XXXXX 16.7 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130863 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,602.91 No $6,733.68 $561.14 $1,092.00 $91.00 $0.00 $0.00 $0.00 $2,255.05 $23,065.01 N/A xxxxx 28.41% 28.41% 28.41% Yes Yes Employed Employed 2YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 N/A Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026, 2024 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026, 2024 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026, 2024 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2026, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 21.3 XXXXX 21.3 No 80.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No 20 20 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130924 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $4,598.50 No $7,479.00 $623.25 $11,557.92 $963.16 $3,600.00 $300.00 $0.00 $6,484.91 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% No Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Proceeds from Sale,Stocks/Bonds 0 0 No 0 0 0 Yes 0.763 0.763 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 34.7 XXXXX 34.7 No 63.64 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000130957 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4230.00 xx/xx/xxxx 6.410% Manual Underwriting Manual Underwriting No 6.933% 6.750% 6.500% $1,556.64 No $5,442.00 $453.50 $759.24 $63.27 $440.04 $36.67 $0.00 $2,110.08 $5,814.92 N/A xxxxx xxxxx xxxxx Annually 27.44% 27.31% 27.31% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 27 27 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 775 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 12.1 XXXXX 12.1 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131019 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $1,468.35 No $4,047.36 $337.28 $449.04 $37.42 $6,780.00 $565.00 $0.00 $2,408.05 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.08 1.07 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 764 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 2.6 XXXXX 10.3 No 70.0 No No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131042 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,070.89 No $2,989.20 $249.10 $1,470.96 $122.58 $6,120.00 $510.00 $0.00 $1,952.57 Yes xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.845 0.845 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 777 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 72.2 XXXXX 72.2 No 70.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131074 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $848.26 Yes 25.000% $1,637.76 $136.48 $308.04 $25.67 $2,700.00 $225.00 $0.00 $1,235.41 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.052 1.05 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 793 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 77.5 XXXXX 77.5 No 75.0 Yes No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx xxxxx xxxxx Yes N/A N/A xxxxx xxxxx Urban xxxxx xxxxx
4000131083 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 2325.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 7.795% 7.750% 7.750% $6,447.71 No $13,318.68 $1,109.89 $2,621.04 $218.42 $0.00 $0.00 $0.00 $7,776.02 $84,677.04 N/A xxxxx 8.45% 8.45% 8.45% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 724 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 15.7 XXXXX 15.7 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 20 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131111 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 11790.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.526% 6.250% 6.250% $2,955.44 No $8,635.56 $719.63 $1,530.00 $127.50 $0.00 $0.00 $0.00 $3,802.57 $8,469.81 N/A xxxxx 46.37% 46.37% 46.37% No No Employed Employed Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 120 28 FNMA 1005 Yes 38 28 FNMA 1005 No 0 Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 || Co Borrower - Wage, Bonus - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 || Co Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 702 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.9 XXXXX 9.8 No 55.17 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 15 N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131115 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 3477.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.427% 6.375% 6.375% $6,768.99 No $17,646.84 $1,470.57 $2,705.64 $225.47 $0.00 $0.00 $0.00 $8,465.03 $13,376.32 N/A xxxxx 53.07% 53.07% 53.07% No Employed 1YR Full Doc 2 NA N/A 0 1 1 2 2 Yes No No 0 No No Yes 0 0 No 0.00% 100.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Wage, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2026, 2025, 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 779 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 124.3 XXXXX 124.3 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131119 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $3,739.13 No $7,443.84 $620.32 $2,598.00 $216.50 $0.00 $0.00 $0.00 $4,575.95 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.798 0.88 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 803 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 12.5 XXXXX 12.5 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131131 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $2,156.55 No $1,635.00 $136.25 $1,259.40 $104.95 $549.96 $45.83 $0.00 $2,443.58 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.228 1.22 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 68.6 XXXXX 68.6 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131142 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $4,143.37 No $10,628.40 $885.70 $4,648.44 $387.37 $0.00 $0.00 $0.00 $5,416.44 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.794 0.81 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 720 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 57.8 XXXXX 57.8 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131154 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.875% 7.875% $5,628.35 No $4,424.28 $368.69 $2,754.00 $229.50 $462.96 $38.58 $0.00 $6,265.12 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.798 0.798 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 766 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 33.5 XXXXX 33.5 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131172 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.750% 7.750% $2,794.01 No $7,480.20 $623.35 $1,986.84 $165.57 $0.00 $0.00 $0.00 $3,582.93 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.005 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 707 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.0 XXXXX 12.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131237 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.875% 7.875% $3,799.36 No $4,600.56 $383.38 $2,372.04 $197.67 $6,000.00 $500.00 $0.00 $4,880.41 $31,473.05 Yes xxxxx xxxxx xxxxx xxxxx Monthly 46.07% 46.07% 46.07% Yes Yes Self-Employed Self-Employed 1YR Full Doc 0 0 NA NA N/A 0 N/A 0 1 1 1 1 2 0 NA NA No No 0 No Yes Yes 0 1 No Yes 0 0 0.00% 80.00% 20.00% Third-Party Prepared (Unaudited) 17 CPA Third-Party Prepared (Unaudited) CPA 17 Yes 0 Yes 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SESCorp, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1, Extension, 1120S), CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, 1040 Schedule E Verified - 2024 || Co Borrower - SESCorp, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1, Extension, 1120S), CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS Executed 4506T Verified - 2024 Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1, Extension, 1120S), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1, Extension, 1120S), 2 YRS Executed 4506T Verified - 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 754 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other State ID  xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 32.0 XXXXX 32.0 No 80.0 Yes No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No 41 41 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131246 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $1,369.17 No $5,735.16 $477.93 $909.00 $75.75 $425.04 $35.42 $0.00 $1,958.27 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.085 1.011 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 757 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 10.1 XXXXX 10.1 No 74.37 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131257 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 4097.78 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 7.637% 7.500% 7.500% $2,220.71 No $2,378.40 $198.20 $2,603.04 $216.92 $0.00 $0.00 $0.00 $2,635.83 $4,971.17 N/A xxxxx 34.81% 34.80% 34.80% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Audited 12 CPA Yes 36 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 50.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131272 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 10849.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 8.090% 7.750% 7.750% $2,865.65 No $5,583.00 $465.25 $1,784.04 $148.67 $0.00 $0.00 $0.00 $3,479.57 $42,734.23 N/A xxxxx 7.12% 7.61% 7.61% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 3 0 NA No No 0 No Yes Yes 0 12 No 100.00% 100.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 734 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 21.4 No 67.23 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 11 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131279 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $1,147.05 No $2,393.76 $199.48 $1,359.96 $113.33 $1,344.00 $112.00 $0.00 $1,571.86 N/A xxxxx xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.145 1 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 749 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 30.5 XXXXX 30.5 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No No xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131401 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 10841.03 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.656% 6.375% 6.375% $2,724.44 No $7,402.08 $616.84 $4,202.04 $350.17 $609.96 $50.83 $0.00 $3,742.28 $6,342.72 N/A xxxxx xxxxx xxxxx Annually 42.34% 42.34% 42.34% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 91 28 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 707 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Patriot Act Form xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.4 XXXXX 6.4 No 63.29 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 15 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131407 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $1,871.61 No $12,334.44 $1,027.87 $1,260.00 $105.00 $0.00 $0.00 $0.00 $3,004.48 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 3.495 3.49 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No xxxxx No Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 59.3 XXXXX 59.3 No 15.41 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131412 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $2,313.81 No $6,566.88 $547.24 $1,297.56 $108.13 $7,800.00 $650.00 $0.00 $3,619.18 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.262 1.26 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 7.5 XXXXX 7.5 No 64.98 No No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131447 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,400.97 No $5,548.92 $462.41 $810.84 $67.57 $0.00 $0.00 $0.00 $2,068.95 N/A xxxxx 8538.20% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.015 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 759 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx United States of America xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 26.3 XXXXX 26.3 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131456 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1990.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.611% 6.500% 6.500% $5,056.54 No $13,071.48 $1,089.29 $2,846.28 $237.19 $0.00 $0.00 $0.00 $6,383.02 $11,922.22 N/A xxxxx 35.46% 35.46% 35.46% No No Employed Employed 2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 2 0 2 0 2 2 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 103 3 FNMA 1005 Yes 92 27 FNMA 1005 No 0 N/A Borrower - Wage, Overtime - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 740 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 26.7 XXXXX 26.7 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 15 8 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131459 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $1,970.31 Yes 11.500% $4,292.16 $357.68 $1,730.04 $144.17 $0.00 $0.00 $0.00 $2,472.16 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.699 1.69 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 750 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 148.9 XXXXX 148.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131503 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $3,307.19 No $7,015.20 $584.60 $3,219.24 $268.27 $1,044.96 $87.08 $0.00 $4,247.14 $19,196.17 N/A xxxxx xxxxx xxxxx Annually 47.33% 49.69% 49.69% Yes Yes Employed Employed 2YR Full Doc 0 0 NA NA N/A 0 N/A 0 1 0 1 0 2 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 2 28 Work Number Yes 2 28 Work Number No 0 Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2026, 2025, 2024 || Co Borrower - Wage - 1 YR Personal Tax Returns Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2026, 2025, 2024 Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2026, 2025, 2024 || Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 737 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 418.0 XXXXX 418.0 No 80.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 4 6 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131506 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 5608.45 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.829% 6.750% 6.750% $4,961.78 No $17,450.40 $1,454.20 $1,402.20 $116.85 $0.00 $0.00 $0.00 $6,532.83 $12,952.18 N/A xxxxx 40.28% 40.28% 40.28% No No Employed Employed 2YR Full Doc 2 2 2+ Months 2+ Months N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 1 193 FNMA 1005 Yes 1 114 Work Number No 0 Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 751 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 93.0 XXXXX 94.5 No 58.4 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 16 9 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131536 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 4240.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.888% 6.750% 6.750% $5,837.38 No $14,635.44 $1,219.62 $1,485.96 $123.83 $0.00 $0.00 $0.00 $7,180.83 $9,814.06 N/A xxxxx 47.74% 43.51% 43.51% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 2 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% Stocks/Bonds N/A 0 N/A Yes 0 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 826 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 73.9 XXXXX 73.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 30 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131543 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $11,528.78 No $11,868.00 $989.00 $2,376.00 $198.00 $999.96 $83.33 $0.00 $12,799.11 N/A xxxxx xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.539 0.5 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 740 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other Permanent Resident Card xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No Yes N/A XXXXX 19.5 XXXXX 19.5 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131624 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $3,575.40 No $14,706.36 $1,225.53 $1,877.04 $156.42 $0.00 $0.00 $0.00 $4,957.35 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.009 1.0 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 794 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 8.3 XXXXX 8.3 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131638 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 5946.00 xx/xx/xxxx 6.430% Manual Underwriting Manual Underwriting No 7.278% 6.990% 6.990% $996.95 No $1,359.60 $113.30 $3,078.96 $256.58 $900.00 $75.00 $0.00 $1,441.83 $3,612.06 N/A xxxxx xxxxx xxxxx Annually 47.60% 47.60% 47.60% No Self-Employed 24 Month 1099 2 NA N/A 0 0 0 3 0 Yes No No 0 No Yes Yes 4 0 No 0.00% 100.00% N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, SESCorp, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2025, 2026, 2024 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 719 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 53.7 No 33.71 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 5.97 N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000131655 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 1790.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.810% 6.750% 6.750% $6,576.79 No $12,954.00 $1,079.50 $3,957.96 $329.83 $681.00 $56.75 $0.00 $8,042.87 $32,030.43 N/A xxxxx xxxxx xxxxx xxxxx Annually 33.75% 33.75% 33.75% No Not Employed Asset Utilization (with DTI) 0 NA N/A 0 0 0 0 0 NA No No 84.0 No Yes Yes 2 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 N/A Borrower - Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2026 Borrower - 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 730 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 12.5 XXXXX 12.5 No 69.93 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131660 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $954.52 No $4,089.60 $340.80 $2,499.00 $208.25 $777.96 $64.83 $0.00 $1,568.40 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.18 1.18 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 740 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 37.1 XXXXX 37.1 No 64.83 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131672 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 9358.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 8.053% 7.875% 7.875% $5,342.31 No $10,077.96 $839.83 $2,590.92 $215.91 $0.00 $0.00 $0.00 $6,398.05 $22,697.89 N/A xxxxx 31.24% 31.24% 31.24% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Proceeds from Sale Audited 12 CPA Yes 12 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 736 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.2 XXXXX 7.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7.4 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131676 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $867.15 Yes 11.875% $4,643.40 $386.95 $999.96 $83.33 $0.00 $0.00 $0.00 $1,337.43 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.122 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 736 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 58.7 XXXXX 58.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131697 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 8526.60 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.635% 6.500% 6.500% $6,067.85 No $9,452.40 $787.70 $3,555.96 $296.33 $0.00 $0.00 $0.00 $7,151.88 $23,255.85 N/A xxxxx 24.57% 24.57% 24.57% No No Not Employed Not Employed Asset Depletion – Debt Ratio Calculation 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA Yes No 84.0 No Yes N/A 4 0 No N/A 0 0 0.00% 0.00% Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - Asset Depletion - Personal Bank Statements Verified || Co Borrower Borrower || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 790 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx USA xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 22.3 XXXXX 22.3 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131703 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.625% 6.625% $3,937.91 No $9,027.48 $752.29 $1,568.04 $130.67 $5,952.00 $496.00 $0.00 $5,316.87 $38,746.75 Yes xxxxx xxxxx xxxxx xxxxx Monthly 21.61% 22.56% 22.56% Yes Self-Employed 2YR Full Doc 2 NA N/A 0 2 2 2 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% N/A 0 N/A Yes 60 No NA 0 0 N/A 0 No 0 Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 779 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 5.5 XXXXX 30.4 No 75.0 No No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx xxxxx xxxxx No 15 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131716 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1940.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.587% 6.500% 6.500% $14,822.00 No $37,318.56 $3,109.88 $6,900.72 $575.06 $0.00 $0.00 $0.00 $18,506.94 $30,204.73 N/A xxxxx 47.77% 44.09% 44.09% No No Employed Employed 2YR Full Doc 2 2 1 Month 1 Month N/A 0 N/A 0 0 0 0 0 2 1 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 63 28 Other Yes 12 12 Other No 0 N/A Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 760 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 22.9 XXXXX 22.9 No 70.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7.42 8 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131734 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $3,288.39 No $3,345.72 $278.81 $308.04 $25.67 $3,000.00 $250.00 $0.00 $3,842.87 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.93 0.94 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 790 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.6 XXXXX 7.6 No 65.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131773 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,270.84 No $2,901.00 $241.75 $915.96 $76.33 $0.00 $0.00 $0.00 $1,588.92 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.259 1.25 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 782 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other Patriot Act Form xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 9.5 XXXXX 9.5 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 2%, 2%, 2% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131784 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.250% 7.250% $2,602.50 No $4,350.00 $362.50 $1,091.04 $90.92 $0.00 $0.00 $0.00 $3,055.92 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.031 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 719 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 52.5 XXXXX 52.5 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131800 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 5710.00 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.936% 6.750% 6.750% $2,283.07 No $5,655.48 $471.29 $1,155.96 $96.33 $150.00 $12.50 $0.00 $2,863.19 $5,011.81 N/A xxxxx xxxxx xxxxx Annually 43.05% 43.05% 43.05% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 26 25 FNMA 1005 0 No 0 N/A Borrower - Wage, Bonus - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 794 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 7.0 XXXXX 7.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx 7 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131803 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 7971.25 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 6.595% 6.500% 6.500% $5,846.63 No $13,488.24 $1,124.02 $1,464.96 $122.08 $3,168.00 $264.00 $0.00 $7,356.73 $9,843.31 N/A xxxxx xxxxx xxxxx Monthly 48.69% 48.69% 48.69% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 25 25 FNMA 1005 0 No 0 N/A Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 14.1 XXXXX 14.1 No 69.81 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 20 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131810 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $2,338.65 No $12,729.96 $1,060.83 $1,220.40 $101.70 $404.04 $33.67 $0.00 $3,534.85 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.004 1.0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 755 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 7.7 XXXXX 7.7 No 73.27 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131839 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $2,269.33 Yes 11.375% $2,084.28 $173.69 $1,362.96 $113.58 $0.00 $0.00 $0.00 $2,556.60 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.056 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 750 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 0.0 XXXXX 32.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131843 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,353.27 No $4,945.92 $412.16 $5,133.12 $427.76 $9,127.08 $760.59 $0.00 $2,953.78 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.914 0.92 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 782 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 4.4 XXXXX 4.4 No 65.4 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131849 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.000% 7.000% $1,047.85 Yes 12.000% $3,864.00 $322.00 $1,272.96 $106.08 $0.00 $0.00 $0.00 $1,475.93 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.22 1.21 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 736 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 61.1 XXXXX 61.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131866 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $1,869.57 No $4,625.04 $385.42 $1,220.16 $101.68 $0.00 $0.00 $0.00 $2,356.67 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.934 0.93 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 724 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 19.0 XXXXX 19.0 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131900 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 5868.13 xx/xx/xxxx 6.210% Manual Underwriting Manual Underwriting No 7.961% 8.125% 7.250% $3,591.83 No $13,560.96 $1,130.08 $1,853.04 $154.42 $872.76 $72.73 $0.00 $4,949.06 $17,631.49 Yes xxxxx xxxxx xxxxx Annually 44.25% 44.25% 45.48% No Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A Yes 34 No NA 0 0 N/A 0 No 0 Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 727 No NA 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 43.6 XXXXX 43.6 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131925 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.750% 7.750% $1,203.57 No $4,422.24 $368.52 $2,060.52 $171.71 $0.00 $0.00 $0.00 $1,743.80 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds,Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 1.032 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 773 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 15.1 XXXXX 15.1 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx Yes N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131938 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 18302.50 xx/xx/xxxx 6.420% Manual Underwriting Manual Underwriting No 7.826% 7.375% 7.375% $3,108.04 No $14,047.44 $1,170.62 $3,069.96 $255.83 $0.00 $0.00 $0.00 $4,534.49 $9,101.21 N/A xxxxx 36.70% 38.02% 38.02% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 3 0 NA No No 0 No No N/A 0 0 No 0.00% 75.00% Third-Party Prepared (Unaudited) 12 CPA Yes 328 No NA 0 0 N/A 0 No 0 Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 787 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 71.6 No 31.8 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 27.38 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000131963 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.500% 7.500% $6,135.61 No $7,110.24 $592.52 $2,733.00 $227.75 $0.00 $0.00 $0.00 $6,955.88 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.208 1.1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 702 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 34.1 XXXXX 34.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000131992 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.375% $1,111.99 No $2,856.96 $238.08 $422.04 $35.17 $3,600.00 $300.00 $0.00 $1,685.24 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.127 1.127 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 669 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 12.4 XXXXX 12.4 No 70.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx
4000131999 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $2,541.68 No $10,587.24 $882.27 $2,116.32 $176.36 $0.00 $0.00 $0.00 $3,600.31 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.055 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 692 No NA 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 40.4 No 58.88 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132000 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $2,270.09 No $6,259.80 $521.65 $929.04 $77.42 $2,748.00 $229.00 $0.00 $3,098.16 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.001 1.03 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 786 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 108.8 No 54.69 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132035 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.375% $13,468.17 No $13,353.36 $1,112.78 $6,039.96 $503.33 $6,099.96 $508.33 $0.00 $15,592.61 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.436 0.43 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No xxxxx No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 63.4 No 60.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132047 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 2190.00 xx/xx/xxxx 6.210% Manual Underwriting Manual Underwriting No 7.464% 7.625% 6.875% $2,043.75 No $5,435.40 $452.95 $1,188.00 $99.00 $699.96 $58.33 $0.00 $2,654.03 $4,260.97 N/A xxxxx xxxxx xxxxx Annually 38.50% 38.69% 42.34% No Employed Written Verification of Employment 0 NA N/A 0 0 0 2 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 39 27 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 792 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 7.5 XXXXX 7.5 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132108 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $65.40 6.500% 6.500% $1,967.31 Yes 11.500% $1,683.60 $140.30 $543.24 $45.27 $0.00 $0.00 $0.00 $2,152.88 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.022 1.02 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 722 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 49.2 XXXXX 49.2 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132110 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.125% 6.125% $3,645.66 No $7,965.96 $663.83 $1,439.04 $119.92 $164.04 $13.67 $0.00 $4,443.08 N/A xxxxx xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.9 1.13 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 769 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 3.2 XXXXX 3.2 No 69.44 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132155 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 8.375% 8.375% $12,039.06 Yes 25.000% $37,871.04 $3,155.92 $7,514.28 $626.19 $13,608.00 $1,134.00 $0.00 $16,955.17 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.003 1 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 751 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 23.5 XXXXX 23.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx
4000132158 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 6.375% $3,237.54 No $11,660.52 $971.71 $1,563.96 $130.33 $2,940.00 $245.00 $0.00 $4,584.58 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.829 0.77 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 31.7 XXXXX 31.7 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132175 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $2,279.23 No $3,823.44 $318.62 $1,112.04 $92.67 $3,000.00 $250.00 $0.00 $2,940.52 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 0.782 0 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 696 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 282.6 XXXXX 282.6 No 61.68 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132208 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $1,279.08 No $4,165.80 $347.15 $2,579.04 $214.92 $0.00 $0.00 $0.00 $1,841.15 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.005 1.005 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 721 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 21.3 XXXXX 21.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132212 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $2,962.82 No $9,662.52 $805.21 $1,950.60 $162.55 $0.00 $0.00 $0.00 $3,930.58 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.018 1.018 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 734 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 5.4 XXXXX 10.2 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132314 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $11,115.24 No $31,725.00 $2,643.75 $6,167.04 $513.92 $2,400.00 $200.00 $0.00 $14,472.91 $69,355.58 N/A xxxxx xxxxx xxxxx Monthly 27.31% 27.32% 27.32% Yes Yes Self-Employed Not Employed 2YR Full Doc 1 0 NA NA N/A 0 N/A 0 2 2 0 0 3 3 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 100.00% Stocks/Bonds Borrower Prepared 14 Borrower N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024, 2023 || Co Borrower - 3 YRS Executed 4506T Verified Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2025, 2024, 2023 || Co Borrower - 3 YRS Executed 4506T Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 747 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 35.9 XXXXX 35.9 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No 5.11 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132346 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.250% 7.250% $1,146.06 No $5,137.20 $428.10 $1,083.60 $90.30 $0.00 $0.00 $0.00 $1,664.46 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.081 1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 797 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 26.6 XXXXX 26.6 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132368 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $3,294.48 No $14,163.72 $1,180.31 $1,706.04 $142.17 $0.00 $0.00 $0.00 $4,616.96 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% Stocks/Bonds 0 0 0 No 0 0 0 0 0 Yes 0.845 0.844 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 723 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Stamp and Passport xx/xx/xxxx Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx I-551 Stamp and Passport xx/xx/xxxx Fee Simple No No N/A XXXXX 10.0 XXXXX 10.0 No 60.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No No No xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132371 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $3,262.84 No $10,878.36 $906.53 $3,502.92 $291.91 $2,988.00 $249.00 $0.00 $4,710.28 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.764 0.76 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 762 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.8 XXXXX 9.8 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132399 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $3,941.57 No $9,576.84 $798.07 $1,905.00 $158.75 $0.00 $0.00 $0.00 $4,898.39 N/A xxxxx 1728.32% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.552 1.55 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 689 No NA 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 75.7 No 39.74 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132404 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $5,222.58 No $6,217.08 $518.09 $1,266.00 $105.50 $0.00 $0.00 $0.00 $5,846.17 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 NA 0 N/A 0 0 0 0 0 NA No No 0 No No 0 0 No N/A 0 0 0.00% 0 N/A N/A 0 0 No 0 0 0 NA 0 0 N/A Yes 1.3 1.28 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 689 No NA 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 66.1 No 52.65 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132411 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $1,735.00 No $3,015.84 $251.32 $4,048.80 $337.40 $0.00 $0.00 $0.00 $2,323.72 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.248 1.26 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 311.3 XXXXX 311.3 No 50.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132414 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $3,169.54 No $9,333.60 $777.80 $2,817.00 $234.75 $0.00 $0.00 $0.00 $4,182.09 N/A xxxxx 875.51% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.937 1.28 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 689 No NA 0 0 0 0 1 0 0 0 0 0 0 0 1 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 156.1 XXXXX 156.1 No 49.75 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132437 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.625% 7.625% $4,644.90 No $2,792.64 $232.72 $4,192.08 $349.34 $0.00 $0.00 $0.00 $5,226.96 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.722 1.72 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 706 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Yes N/A XXXXX 43.3 XXXXX 43.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 4 xx/xx/xxxx ARM DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx
4000132440 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 8950.00 xx/xx/xxxx 6.600% Manual Underwriting Manual Underwriting No 7.600% 7.375% 7.375% $3,204.73 No $5,403.12 $450.26 $1,368.96 $114.08 $0.00 $0.00 $0.00 $3,769.07 $8,754.93 N/A xxxxx 39.94% 39.94% 39.94% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No Missing 0 0 No 0.00% 100.00% Audited 12 Tax Preparer Yes 0 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 769 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx Work Visa  xx/xx/xxxx Fee Simple No No N/A XXXXX 8.5 XXXXX 8.5 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10.34 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132448 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.625% 7.625% $667.19 No $3,893.04 $324.42 $0.00 $0.00 $4,536.00 $378.00 $0.00 $1,369.61 Yes xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.986 0.98 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 774 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 70.2 No 70.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132468 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $9,306.85 No $6,212.76 $517.73 $4,840.80 $403.40 $0.00 $0.00 $0.00 $10,227.98 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.45 0.449 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 741 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.3 XXXXX 6.9 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132472 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1395.00 xx/xx/xxxx 6.600% Manual Underwriting Manual Underwriting No 7.099% 7.000% 7.000% $2,335.21 No $8,158.44 $679.87 $4,578.00 $381.50 $0.00 $0.00 $0.00 $3,396.58 $6,077.64 N/A xxxxx 42.71% 43.72% 43.72% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 2 0 NA No No 0 No No N/A 0 0 No 0.00% 100.00% Stocks/Bonds,Stocks/Bonds Audited 12 Tax Preparer Yes 12 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 767 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 27.3 XXXXX 27.3 No 65.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6.5 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132474 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A Alternate Income Documentation 4850.00 xx/xx/xxxx 6.600% Manual Underwriting Manual Underwriting No 7.491% 7.375% 7.375% $6,906.75 No $10,745.64 $895.47 $1,459.44 $121.62 $0.00 $0.00 $0.00 $7,923.84 $11,967.16 N/A xxxxx 44.34% 44.34% 44.34% No Self-Employed 1YR Business P&L 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% Third-Party Prepared (Unaudited) 12 CPA Yes 156 No NA 0 0 N/A 0 No 0 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 759 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx xxxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 78.5 No 66.67 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 12 N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132485 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $1,659.18 No $4,482.24 $373.52 $1,060.20 $88.35 $0.00 $0.00 $0.00 $2,121.05 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.061 1.136 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.3 XXXXX 9.3 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132556 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.000% 7.000% $1,308.78 No $4,884.00 $407.00 $545.04 $45.42 $600.00 $50.00 $0.00 $1,811.20 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.27 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 761 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 21.2 XXXXX 21.2 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000132619 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $2,102.17 No $6,910.44 $575.87 $1,277.04 $106.42 $0.00 $0.00 $0.00 $2,784.59 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.113 1.13 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 751 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 6.6 XXXXX 6.6 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132669 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $63.00 6.875% 6.875% $3,769.13 No $4,022.04 $335.17 $3,296.04 $274.67 $300.00 $25.00 $0.00 $4,403.97 N/A xxxxx xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.703 1.7 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 793 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 66.4 XXXXX 66.4 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132714 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.625% 6.625% $1,739.06 Yes 11.625% $2,739.24 $228.27 $1,533.00 $127.75 $0.00 $0.00 $0.00 $2,095.08 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds,Stocks/Bonds 0 0 No 0 0 0 Yes 2.124 2.1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 788 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 95.7 XXXXX 95.7 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A false 4 xx/xx/xxxx Fixed DSCR Cash Out - Other 1%, 1%, 1% xxxxx xxxxx N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132715 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $6,906.74 No $15,000.00 $1,250.00 $830.04 $69.17 $8,340.00 $695.00 $0.00 $8,920.91 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.622 0 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 778 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 25.1 XXXXX 25.1 No 71.43 No No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132730 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,704.48 No $4,786.56 $398.88 $590.52 $49.21 $1,440.00 $120.00 $0.00 $2,272.57 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.21 1.134 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 783 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 36.5 XXXXX 36.5 No 59.15 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132745 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $2,663.95 Yes 12.250% $3,537.96 $294.83 $1,137.00 $94.75 $0.00 $0.00 $0.00 $3,053.53 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.015 1.01 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 743 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 98.9 XXXXX 98.9 No 69.99 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132756 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.375% $1,704.34 No $7,268.76 $605.73 $4,567.92 $380.66 $0.00 $0.00 $0.00 $2,690.73 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.096 1.09 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 733 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 9.8 XXXXX 9.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132841 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.250% 6.250% $4,310.02 Yes 16.000% $10,343.04 $861.92 $1,449.96 $120.83 $0.00 $0.00 $0.00 $5,292.77 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.058 1.07 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 797 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 10.6 XXXXX 10.6 No 57.14 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132926 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.375% 6.375% $3,698.92 No $9,796.20 $816.35 $2,357.04 $196.42 $0.00 $0.00 $0.00 $4,711.69 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.061 1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 808 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.0 XXXXX 8.0 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000132943 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2190.00 xx/xx/xxxx 5.980% Manual Underwriting Manual Underwriting No 7.038% 6.750% 6.750% $1,769.82 No $4,226.28 $352.19 $267.00 $22.25 $6,236.04 $519.67 $0.00 $2,663.93 $5,221.07 Yes xxxxx xxxxx xxxxx Monthly 34.33% 34.33% 34.33% No Employed Written Verification of Employment 0 NA N/A 0 0 0 3 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No Yes 39 39 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 807 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 23.8 XXXXX 23.8 No 66.67 Yes No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 4 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000132952 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.000% 6.000% $3,350.11 Yes 16.000% $7,365.36 $613.78 $3,923.04 $326.92 $0.00 $0.00 $0.00 $4,290.81 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.806 1.83 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 808 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 3.7 XXXXX 4.6 No 18.05 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 3 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133041 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $3,678.80 No $3,991.32 $332.61 $6,421.20 $535.10 $0.00 $0.00 $0.00 $4,546.51 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.584 1.3 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 800 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.2 XXXXX 8.2 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133043 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,264.59 No $2,799.48 $233.29 $1,565.52 $130.46 $0.00 $0.00 $0.00 $1,628.34 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.105 1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 800 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 113.5 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133104 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 237.50 xx/xx/xxxx 6.260% Manual Underwriting Manual Underwriting No 6.591% 6.500% 6.500% $1,200.93 No $7,372.44 $614.37 $1,035.96 $86.33 $0.00 $0.00 $0.00 $1,901.63 $28,477.97 N/A xxxxx 28.63% 28.63% 28.63% Yes Employed 2YR Full Doc 2 1 Month N/A 0 0 0 2 2 NA No No 0 No No Yes 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No Yes 41 28 Work Number 0 No 0 Yes Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 776 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 45.2 XXXXX 45.2 No 79.17 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133109 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,978.56 Yes 25.000% $6,376.08 $531.34 $1,322.04 $110.17 $0.00 $0.00 $0.00 $2,620.07 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.336 1.33 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 754 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 13.9 XXXXX 13.9 No 63.71 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx
4000133121 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,972.16 Yes 11.625% $4,106.64 $342.22 $2,228.04 $185.67 $0.00 $0.00 $0.00 $2,500.05 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.12 1.02 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 743 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 72.7 XXXXX 72.7 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Limited Cash Out - <2% of Loan Amount or $2000 xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133131 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $1,818.48 Yes 11.625% $3,468.00 $289.00 $1,716.00 $143.00 $0.00 $0.00 $0.00 $2,250.48 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.244 1.16 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 743 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 38.2 XXXXX 38.2 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133135 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,550.15 No $1,656.36 $138.03 $1,005.00 $83.75 $0.00 $0.00 $0.00 $1,771.93 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.411 1.411 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 333.8 XXXXX 333.8 No 49.79 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133244 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.750% $1,675.17 Yes 13.750% $3,541.92 $295.16 $987.96 $82.33 $0.00 $0.00 $0.00 $2,052.66 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.096 1.1 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 795 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No Unknown N/A XXXXX 39.3 XXXXX 39.3 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133290 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $1,330.60 Yes 12.000% $6,190.08 $515.84 $2,097.00 $174.75 $0.00 $0.00 $0.00 $2,021.19 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.866 0.87 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 755 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 1.7 XXXXX 95.8 No 40.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133307 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 2320.00 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 7.019% 6.750% 6.750% $1,102.62 No $3,001.08 $250.09 $1,923.96 $160.33 $912.00 $76.00 $0.00 $1,589.04 N/A xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% No Retired Asset Utilization (No DTI) 0 NA N/A 0 0 0 0 0 NA No No 0 Yes No Yes 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Other REO Net Rental Income(Loss) Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 750 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 283.7 XXXXX 283.7 No 36.96 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133327 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $3,723.96 No $12,500.04 $1,041.67 $2,514.48 $209.54 $0.00 $0.00 $0.00 $4,975.17 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.146 1.16 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 809 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 6.6 XXXXX 6.6 No 65.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133370 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A QM Points and Fees Exceeded 20056.96 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 8.885% 8.625% 8.625% $3,570.05 No $4,948.56 $412.38 $2,466.96 $205.58 $0.00 $0.00 $0.00 $4,188.01 $18,856.99 N/A xxxxx 34.05% 34.05% 34.05% No No Not Employed Self-Employed 12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No No N/A 0 0 Yes Yes 0 12 0.00% 100.00% N/A 0 N/A N/A N/A 0 NA 0 Yes 0 NA 0 0 N/A NA 0 0 N/A No 0 Borrower || Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 Borrower || Co Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 730 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.8 XXXXX 7.8 No 90.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6 N/A N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000133399 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $3,307.85 Yes 24.000% $14,038.56 $1,169.88 $2,913.00 $242.75 $0.00 $0.00 $0.00 $4,720.48 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.525 1.525 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 780 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 32.0 XXXXX 32.0 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 1%, 1%, 1%, 1% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133402 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 6275.76 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 6.547% 6.250% 6.250% $2,068.81 No $12,724.68 $1,060.39 $1,242.96 $103.58 $699.96 $58.33 $0.00 $3,291.11 $3,708.89 N/A xxxxx xxxxx xxxxx Annually 47.02% 47.02% 47.02% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 26 26 FNMA 1005 0 No 0 Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 806 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other US Patriot Act xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 12.1 XXXXX 12.1 No 58.43 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 7 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133496 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.500% 6.500% $1,172.49 No $1,921.80 $160.15 $1,121.04 $93.42 $0.00 $0.00 $0.00 $1,426.06 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.192 1.19 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 769 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.2 XXXXX 6.2 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133497 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $2,477.64 Yes 11.750% $9,995.40 $832.95 $3,414.00 $284.50 $0.00 $0.00 $0.00 $3,595.09 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.751 1.39 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 743 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 10.4 XXXXX 10.4 No 74.46 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133534 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 2486.12 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 6.753% 6.625% 6.625% $1,606.86 No $6,251.04 $520.92 $1,329.96 $110.83 $324.96 $27.08 $0.00 $2,265.69 $7,315.31 N/A xxxxx xxxxx xxxxx xxxxx Annually 23.80% 23.80% 23.80% No Employed Written Verification of Employment 0 NA N/A 0 0 0 3 0 NA No No 0 No No Yes 0 0 No 0.00% 100.00% N/A 0 N/A NA 0 No Yes 1 72 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 16.7 XXXXX 16.7 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 6 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133536 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $8,037.43 No $6,428.52 $535.71 $3,866.04 $322.17 $0.00 $0.00 $0.00 $8,895.31 $25,308.60 N/A xxxxx 42.44% 42.44% 42.44% Yes Employed 2YR Full Doc 2 2+ Months N/A 0 0 0 2 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 805 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 138.9 XXXXX 138.9 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx xxxxx xxxxx Yes 4 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133539 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.500% $2,497.10 No $15,077.52 $1,256.46 $1,525.32 $127.11 $0.00 $0.00 $0.00 $3,880.67 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.799 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 758 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 37.0 XXXXX 37.0 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133540 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.375% 6.375% $7,752.33 No $10,665.00 $888.75 $1,163.04 $96.92 $0.00 $0.00 $0.00 $8,738.00 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.824 0.82 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 687 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 22.9 XXXXX 22.9 No 60.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx Other xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133545 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $1,172.04 No $2,118.72 $176.56 $1,067.04 $88.92 $0.00 $0.00 $0.00 $1,437.52 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.252 1.25 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 740 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A N/A Fee Simple No No N/A XXXXX 15.7 XXXXX 15.7 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133570 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.000% 7.000% $2,327.50 No $11,610.36 $967.53 $834.00 $69.50 $2,940.00 $245.00 $0.00 $3,609.53 N/A xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.053 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 713 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport US Patriot Act xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 15.1 XXXXX 15.1 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133576 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $1,131.56 No $3,216.00 $268.00 $1,103.52 $91.96 $0.00 $0.00 $0.00 $1,491.52 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.073 1.072 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 811 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Other USA PATRIOT ACT INFORMATION FORM xxxxx xxxxx xx/xx/xxxx I-151 Permanent Resident Card xx/xx/xxxx Fee Simple No No N/A XXXXX 0.0 XXXXX 107.9 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133632 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $6,234.14 No $9,164.04 $763.67 $2,025.96 $168.83 $0.00 $0.00 $0.00 $7,166.64 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.06 1.05 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 781 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Other USA PATRIOT ACT xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Standard Driver's License - Not for federal Use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.7 XXXXX 6.7 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133684 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,644.20 No $3,048.36 $254.03 $711.00 $59.25 $0.00 $0.00 $0.00 $1,957.48 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.904 0.9 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 728 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 94.5 XXXXX 94.5 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133686 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1495.00 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 7.555% 7.500% 7.500% $3,272.32 No $9,426.00 $785.50 $3,199.08 $266.59 $0.00 $0.00 $0.00 $4,324.41 $7,441.92 N/A xxxxx 38.10% 37.77% 37.77% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No Yes 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 72 28 FNMA 1005 0 No 0 Borrower - Wage, Overtime, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 750 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 14.4 XXXXX 14.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx true 2 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 8 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133713 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $968,000.00 6.990% 6.990% $6,433.63 Yes 24.000% $15,302.16 $1,275.18 $918.00 $76.50 $0.00 $0.00 $0.00 $7,785.31 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.028 1.002 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 3.4 XXXXX 52.3 No 55.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 1%, 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133756 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.875% 6.875% $985.39 Yes 11.875% $2,547.36 $212.28 $1,170.96 $97.58 $0.00 $0.00 $0.00 $1,295.25 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.0 1.019 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 747 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 10.9 XXXXX 25.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133813 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1850.00 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 7.917% 7.750% 7.750% $1,753.78 No $4,779.96 $398.33 $2,386.80 $198.90 $0.00 $0.00 $0.00 $2,351.01 $5,608.99 N/A xxxxx 29.89% 29.89% 29.89% No Employed Written Verification of Employment 0 NA N/A 0 0 0 0 0 NA No No 0 No No N/A 0 0 No 0.00% 0.00% N/A 0 N/A NA 0 No Yes 72 27 FNMA 1005 0 No 0 N/A Borrower - Wage - Written VOE Verified - 2024, 2025, 2026 Borrower - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 796 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 97.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133832 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $2,713.83 No $3,658.92 $304.91 $1,604.76 $133.73 $0.00 $0.00 $0.00 $3,152.47 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.126 1.12 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 709 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 15.8 XXXXX 15.8 No 64.44 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Rural xxxxx xxxxx xxxxx
4000133856 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $4,171.65 No $11,103.12 $925.26 $2,598.96 $216.58 $0.00 $0.00 $0.00 $5,313.49 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.753 0.75 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 814 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 25.8 XXXXX 25.8 No 64.71 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133869 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A APOR Threshold 2201.20 xx/xx/xxxx 6.220% Manual Underwriting Manual Underwriting No 7.421% 7.625% 7.592% $7,927.29 No $21,200.04 $1,766.67 $1,170.96 $97.58 $0.00 $0.00 $0.00 $9,791.54 $13,213.46 N/A xxxxx 45.96% 46.07% 50.49% No No Employed Employed Written Verification of Employment 0 0 NA NA N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00% N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 40 27 FNMA 1005 Yes 42 28 FNMA 1005 No 0 Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 795 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 15.4 XXXXX 15.4 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx ARM Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 10 10 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000133908 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $3,015.98 Yes 11.750% $985.08 $82.09 $1,237.68 $103.14 $0.00 $0.00 $0.00 $3,201.21 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.499 1.499 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 29.7 XXXXX 29.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000133914 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.125% 7.125% $3,915.99 No $17,653.32 $1,471.11 $2,279.04 $189.92 $0.00 $0.00 $0.00 $5,577.02 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.753 0.77 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 743 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 30.3 XXXXX 30.3 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134001 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 23775.00 xx/xx/xxxx 6.510% Manual Underwriting Manual Underwriting No 6.906% 6.750% 6.750% $12,971.96 No $28,205.04 $2,350.42 $4,828.32 $402.36 $2,178.00 $181.50 $0.00 $15,906.24 $20,331.89 N/A xxxxx xxxxx xxxxx xxxxx Annually 49.35% 50.08% 50.08% No Not Employed Asset Utilization (with DTI) 0 NA N/A 0 0 0 0 0 NA No No 84.0 No Yes Yes 3 0 No 0.00% 0.00% Stocks/Bonds N/A 0 N/A NA 0 No NA 0 0 N/A 0 No 0 Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 286.8 XXXXX 286.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx N/A - Not investment property N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134138 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.875% 7.875% $2,719.01 No $8,352.84 $696.07 $1,825.44 $152.12 $0.00 $0.00 $0.00 $3,567.20 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Proceeds from Sale 0 0 No 0 0 0 Yes 0.855 0.85 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 791 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 50.1 XXXXX 50.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134141 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,958.96 No $13,005.72 $1,083.81 $4,274.16 $356.18 $195.00 $16.25 $0.00 $3,415.20 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.025 1.02 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 739 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 15.4 No 60.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134158 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.250% 7.250% $2,046.53 No $6,773.52 $564.46 $1,572.96 $131.08 $0.00 $0.00 $0.00 $2,742.07 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.766 0.75 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 817 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 3.9 XXXXX 3.9 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134222 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.500% 7.500% $1,678.11 No $6,526.92 $543.91 $2,175.24 $181.27 $0.00 $0.00 $0.00 $2,403.29 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.353 1.34 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 692 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 114.1 XXXXX 114.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 6 Months Interest xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134224 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.990% 6.990% $8,155.00 Yes 24.000% $17,498.76 $1,458.23 $5,975.52 $497.96 $0.00 $0.00 $0.00 $10,111.19 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.286 1.286 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 786 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 11.0 XXXXX 11.0 No 53.85 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 4 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 1%, 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134238 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.625% 7.625% $1,217.41 No $3,659.76 $304.98 $995.76 $82.98 $0.00 $0.00 $0.00 $1,605.37 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.121 1.12 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 739 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 43.9 XXXXX 43.9 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134331 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $1,600.86 No $6,042.36 $503.53 $1,440.36 $120.03 $816.00 $68.00 $0.00 $2,292.42 N/A xxxxx xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.134 1.134 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 825 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 104.7 XXXXX 104.7 No 54.17 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134373 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $6,174.65 Yes 15.000% $12,521.16 $1,043.43 $2,579.28 $214.94 $0.00 $0.00 $0.00 $7,433.02 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.03 1.01 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 768 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 117.5 XXXXX 239.7 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 3 xx/xx/xxxx ARM DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134383 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $6,378.96 Yes 15.000% $10,649.40 $887.45 $5,828.04 $485.67 $0.00 $0.00 $0.00 $7,752.08 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.04 1.04 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 760 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 9.7 XXXXX 123.8 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 3 xx/xx/xxxx ARM DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134539 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.375% $10,447.92 Yes 24.000% $4,151.52 $345.96 $5,467.32 $455.61 $0.00 $0.00 $0.00 $11,249.49 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.156 1.156 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 746 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 26.5 XXXXX 26.5 No 68.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 1%, 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134761 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.875% 6.875% $1,198.24 Yes 11.875% $5,510.76 $459.23 $2,265.00 $188.75 $350.04 $29.17 $0.00 $1,875.39 N/A xxxxx xxxxx xxxxx Annually 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.173 1.17 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 736 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 10.7 XXXXX 10.7 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134816 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $1,787.12 No $4,562.04 $380.17 $1,616.04 $134.67 $0.00 $0.00 $0.00 $2,301.96 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.075 1.08 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 687 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 292.7 XXXXX 292.7 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000134836 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 7.375% 7.500% $1,982.24 Yes 14.750% $3,793.56 $316.13 $1,533.96 $127.83 $0.00 $0.00 $0.00 $2,426.20 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.195 1.18 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 784 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 7.6 XXXXX 7.6 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000134937 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.750% 6.750% $1,104.24 Yes 11.750% $1,414.08 $117.84 $819.96 $68.33 $0.00 $0.00 $0.00 $1,290.41 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.183 1.18 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 757 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No xxxxx No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 78.1 XXXXX 78.1 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000135041 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1195.00 xx/xx/xxxx 6.520% Manual Underwriting Manual Underwriting No 6.548% 6.500% 6.500% $7,205.58 No $9,180.60 $765.05 $1,482.00 $123.50 $2,976.00 $248.00 $0.00 $8,342.13 $11,291.74 N/A xxxxx xxxxx xxxxx Monthly 44.59% 46.68% 46.68% Yes Yes Employed Unknown 2YR Full Doc 2 0 2+ Months NA N/A 0 N/A 0 2 0 0 0 3 0 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% Stocks/Bonds,Stocks/Bonds N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 233 29 Work Number NA 0 0 N/A No 0 Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 3 YRS Executed 4506T Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 770 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA) xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Enhanced Driver's License (MI, MN, NY, VT, WA) xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 185.4 XXXXX 185.4 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx N/A - Not investment property 19.5 N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000135044 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.990% 7.990% $5,864.54 Yes 15.980% $10,567.92 $880.66 $608.04 $50.67 $0.00 $0.00 $0.00 $6,795.87 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 0.824 0.81 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 780 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 73.3 No 69.57 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000135281 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $3,056.24 No $4,747.80 $395.65 $3,125.52 $260.46 $0.00 $0.00 $0.00 $3,712.35 N/A xxxxx xxxxx 0.00% 0.00% 0.00% No No Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 0.814 0.8 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 806 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 46.0 XXXXX 46.0 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000135318 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.000% 6.000% $4,649.51 Yes 16.000% $13,434.36 $1,119.53 $3,339.36 $278.28 $0.00 $0.00 $0.00 $6,047.32 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.191 1.11 Yes Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 794 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 11.8 XXXXX 11.8 No 55.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 3%, 3%, 3%, 3%, 3% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000135460 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $6,528.80 No $13,850.04 $1,154.17 $3,680.52 $306.71 $0.00 $0.00 $0.00 $7,989.68 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.026 1.026 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No N/A XXXXX 9.7 XXXXX 9.7 No 65.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 2 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000135657 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.375% 7.375% $5,439.07 No $12,536.52 $1,044.71 $1,218.96 $101.58 $500.04 $41.67 $0.00 $6,627.03 $238,792.37 N/A xxxxx xxxxx xxxxx Annually 7.97% 9.49% 9.49% Yes Self-Employed 12 Month Bank Statement 0 NA N/A 0 0 0 0 0 NA No No 0 No Yes Yes 0 12 No 0.00% 100.00% N/A 0 N/A Yes 0 No NA 0 0 N/A 0 No 0 Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 731 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 4.6 XXXXX 4.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed Conventional NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx xxxxx xxxxx No 8 N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000135747 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.625% $864.80 Yes 11.625% $822.36 $68.53 $1,737.48 $144.79 $0.00 $0.00 $0.00 $1,078.12 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.391 1.3 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 702 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 345.3 XXXXX 345.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000136076 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $3,842.08 No $16,105.56 $1,342.13 $2,466.96 $205.58 $0.00 $0.00 $0.00 $5,389.79 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.011 1.01 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 788 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A N/A Fee Simple No N/A XXXXX 14.9 XXXXX 14.9 No 65.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000136077 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.375% $5,114.80 No $5,133.60 $427.80 $1,332.00 $111.00 $0.00 $0.00 $0.00 $5,653.60 N/A xxxxx 0.00% 0.00% 0.00% Yes Yes Unknown Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0 0 0.00% 0 0 0 No 0 0 0 0 0 Yes 1.114 1.14 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx xx/xx/xxxx 706 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No Unknown N/A XXXXX 119.8 XXXXX 119.8 No 57.14 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A xxxxx xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx xxxxx xxxxx No N/A N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000136078 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.125% 6.125% $1,215.22 Yes 12.250% $7,053.00 $587.75 $1,496.04 $124.67 $0.00 $0.00 $0.00 $1,927.64 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.297 1.22 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 778 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No N/A XXXXX 30.0 XXXXX 30.0 No 43.01 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx ARM DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000136175 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $3,286.75 No $10,930.32 $910.86 $1,676.04 $139.67 $0.00 $0.00 $0.00 $4,337.28 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.268 1.25 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 811 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx Work Visa  xx/xx/xxxx Fee Simple No No N/A XXXXX 9.0 XXXXX 9.0 No 65.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx true 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx Yes No xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000136388 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $1,308.40 Yes 11.250% $3,076.08 $256.34 $1,106.04 $92.17 $0.00 $0.00 $0.00 $1,656.91 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 NA 0 N/A 0 0 0 0 0 NA No No 0 No No 0 0 No N/A 0 0 0.00% 0 N/A N/A 0 0 No 0 0 0 NA 0 0 N/A Yes 0.966 0.96 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 793 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 0.0 XXXXX 123.3 No 50.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR Cash Out - Other xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000136515 xxxxx xxxxx xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $6,011.72 Yes 24.000% $4,384.32 $365.36 $3,559.44 $296.62 $0.00 $0.00 $0.00 $6,673.70 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.566 1.565 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 24.6 XXXXX 24.6 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 5%, 4%, 3%, 2%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000136839 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $808.13 Yes 11.250% $1,175.88 $97.99 $906.00 $75.50 $0.00 $0.00 $0.00 $981.62 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.937 1.93 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 762 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 18.9 XXXXX 18.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx 1%, 1%, 1% xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000136944 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.375% 6.375% $2,554.75 No $7,117.44 $593.12 $1,599.00 $133.25 $0.00 $0.00 $0.00 $3,281.12 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.112 1.112 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 750 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 6.9 XXXXX 6.9 No 65.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000137601 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.250% 6.250% $2,341.26 No $3,817.32 $318.11 $591.00 $49.25 $9,020.28 $751.69 $0.00 $3,460.31 Yes xxxxx xxxxx xxxxx Monthly 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.185 1.184 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 786 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Permanent Resident Alien Permanent Resident Alien xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx I-551 Permanent Resident Card  xx/xx/xxxx Fee Simple No No N/A XXXXX 11.6 XXXXX 11.6 No 65.0 Yes No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx
4000138081 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.625% 6.500% $1,792.87 Yes 13.250% $2,883.84 $240.32 $1,593.96 $132.83 $0.00 $0.00 $0.00 $2,166.02 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.431 1.43 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 802 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No Non Permanent Resident Alien Non-Permanent Non-US Citizen xxxxx Employment Authorization Card xxxxx xxxxx xx/xx/xxxx Employment Authorization Document (I-821D) xx/xx/xxxx Fee Simple No No N/A XXXXX 15.6 XXXXX 15.6 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 2%, 2%, 2%, 2%, 2% xxxxx xxxxx No N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000138380 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 6.750% 6.750% $1,856.29 No $7,293.48 $607.79 $2,154.00 $179.50 $0.00 $0.00 $0.00 $2,643.58 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.089 1.08 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 785 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Real ID Driver's License xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 8.0 XXXXX 8.0 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000138402 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No $0.00 6.500% 6.500% $1,800.76 No $5,320.32 $443.36 $2,785.80 $232.15 $0.00 $0.00 $0.00 $2,476.27 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% Stocks/Bonds 0 0 No 0 0 0 Yes 1.131 1.13 Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 820 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Passport xxxxx xxxxx xx/xx/xxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 44.9 XXXXX 44.9 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR NA xxxxx xxxxx xxxxx xxxxx 5%, 5%, 5%, 5%, 5% xxxxx xxxxx Yes N/A xxxxx xxxxx Suburban xxxxx xxxxx xxxxx
4000138609 xxxxx xxxxx xxxxx No xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx ATR/QM: Exempt No No No N/A N/A Manual Underwriting Manual Underwriting No 7.125% 7.125% $1,239.64 Yes 12.130% $1,895.28 $157.94 $1,226.76 $102.23 $0.00 $0.00 $0.00 $1,499.81 N/A xxxxx 0.00% 0.00% 0.00% Yes Unknown Debt Service Coverage Ratio 0 0 0 No No 0 No No 0 0 No 0.00% 0 0 No 0 0 0 Yes 1.334 1.316 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified xxxxx xxxxx xxxxx xxxxx xxxxx xx/xx/xxxx xx/xx/xxxx 710 No NA 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Unknown No No US Citizen US Citizen xxxxx Standard Driver's License - Not for federal use xxxxx xxxxx xx/xx/xxxx N/A Fee Simple No No N/A XXXXX 389.4 XXXXX 389.4 No 66.91 N/A No No Yes Member on Behalf of Entity N/A N/A N/A xxxxx false 1 xx/xx/xxxx Fixed DSCR No Cash Out - Borrower Initiated xxxxx xxxxx xxxxx xxxxx No Prepayment Penalty xxxxx xxxxx No N/A xxxxx xxxxx Urban xxxxx xxxxx xxxxx