EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.08 - Schedule 2

 

Infinity Loan ID Loan Number Redacted ID Loan Number 2 Borrower Name State QM/ATR Status Initial Overall Loan Grade Final Overall Grade Final Credit Grade Final Property Grade Final Compliance Grade Material (level 3) TRID exception? Material (level 3) Non-TRID exception? Active Material Exceptions Active Non Material Exceptions Satisfied Exceptions Waived Exceptions Compensating Factors Property Type Note Date LTV CLTV Occupancy Purpose Credit Score Brwr 1 Yrs in Property Brwr 1 Occupation Brwr 1 Yrs on Job Total Monthly Income Mortgage History Cash Out Amount DTI FTHB Flag Loan Doc Type Loan Status Review Date
xxx xxx 2187193   xxx Kentucky Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Refinance 739   Owner 4   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
      DSCR QC Complete 07/14/2026
xxx xxx 2187194   xxx Kentucky Not Covered/Exempt 1 1 1 1 1 No No           2 Family xxx xxx xxx Investor Cash Out 739   Owner 4   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 06/29/2026
xxx xxx 2187195   xxx Kentucky Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Refinance 739   Owner 4   Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
      DSCR QC Complete 07/10/2026
xxx xxx 2187196   xxx Kentucky Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 780         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 07/10/2026
xxx xxx 2194171   xxx North Carolina Not Covered/Exempt 1 1 1 1 1 No No           Single Family xxx xxx xxx Investor Cash Out 797         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 07/24/2026
xxx xxx 2189615   xxx Kentucky Not Covered/Exempt 3 1 1 1 1 No No     *** (CURED) Required Documentation Missing or Incomplete  - EV R
COMMENT:   Provide a copy of updated hazard insurance with mortgage clause.
07/21/2026;  Resolved.  Received updated HOI
    Single Family xxx xxx xxx Investor Cash Out 791         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 07/13/2026
xxx xxx 2189616   xxx Kentucky Not Covered/Exempt 3 1 1 1 1 No No     *** (CURED) Required Documentation Missing or Incomplete  - EV R
COMMENT:   Provide an updated Hazard Insurance Policy/Declaration Page reflecting the required ISAOA/ATIMA mortgagee clause (lender loss payee) in favor of the lender.
07/21/2026; Resolved. Received updated HOI

*** (CURED) Required Documentation Missing - EV R
COMMENT:   Provide lease agreement with updated rent in the amount of xxx
07/15/2026:  Resolved.  Received lease
    Single Family xxx xxx xxx Investor Cash Out 791         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 07/13/2026
xxx xxx 2189617   xxx Kentucky Not Covered/Exempt 3 1 1 1 1 No No     *** (CURED) Required Documentation Missing or Incomplete  - EV R
COMMENT:   Provide an updated copy of the Hazard Insurance policy reflecting xxx., ISAOA, ATIMA as the mortgagee/loss payee, as the current policy is missing the "ISAOA ATIMA."
07/21/2026;  Resolved.  Received updated HOI
    Single Family xxx xxx xxx Investor Cash Out 791         Mos Reviewed:24
Times 1X30:0
Times 1X60:0
Times 1X90:0
Currently Delinquent? :No
Total Delinquent:
Mortgage/Rent Dlq Last 12 Mos:0
Max Days Dlq Last 12 Mos:0
Verification Type:Credit Report
xxx     DSCR QC Complete 07/13/2026