MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM9 ABS-15G
Exhibit 99.7 - Schedule 4
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | XXXX | 10333129 | Closed | 2026-01-12 06:38 | 2026-06-09 14:16 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Open-XXXX Completion Report is Missing XXXX Completion Report is missing in file, provide XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX |
Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7031913 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10333129 | Closed | 2026-01-12 15:23 | 2026-01-16 13:16 | Resolved | 1 - Information | C | A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Document Uploaded. UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. UPDATED XXXX - Seller-XX/XX/XXXX Open-XXXX reflects a PO BOX. Please provide a copy of XXXX which reflects borrower's actual address - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. UPDATED XXXX - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. UPDATED XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7049100 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10333129 | Closed | 2026-01-12 06:47 | 2026-01-15 02:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. cleared alerts - Seller-XX/XX/XXXX |
Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7032199 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10160131 | Closed | 2026-02-02 12:41 | 2026-03-11 16:20 | Waived | 2 - Non-Material | B | B | Property | Property | Property or house size is outside of guidelines | Waived-Exception approved page XXX for square footage of XXX. - Due Diligence Vendor-XX/XX/XXXX | Waived-Exception approved page XXX for square footage of XXX. - Due Diligence Vendor-XX/XX/XXXX |
753 Representative credit score exceeds the minimum required of 660 by 93 points. DSCR ratio of 1.329 exceeds the minimum requirement of 1 by 0.329 points. $20,853 reserves exceed the minimum required of $4,762 exceeds the minimum by 4 months over the required minimum. |
XXXX | Investment | Refinance | Cash Out - Other | 7401587 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 10160131 | Closed | 2026-01-30 04:13 | 2026-02-18 10:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-Deed of Trust provided and updated to file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The Deed of Trust provided is only X page. Requesting to provide complete document. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing DEED of TRUST missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-Deed of Trust provided and updated to file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXX_XXXX_XXXX_XXX_XXXXXXXX.XXX XXXXXXX_XXX_XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 7365852 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10160131 | Closed | 2026-01-30 04:11 | 2026-02-06 11:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Note is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing NOTE missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Note is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7365841 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10196893 | Closed | 2026-02-12 07:30 | 2026-02-19 09:01 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hello, We are using CPA. There are X businesses and X separate cpa letters for each business - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents for XXX XXXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hello, We are using CPA. There are X businesses and X separate cpa letters for each business - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7578624 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10196893 | Closed | 2026-02-12 10:14 | 2026-02-19 01:37 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Incomplete Provided final XXXX not selected self employment option for business XXX XXXXXXXXXXX and for XX XXX XXXXXXXXXXX employment/business is reflecting in previous employment section instead of additional employment section. Verified as per CPA pg-XXX both borrowers has XX% ownership each and business is active and operational. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7582987 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10196893 | Closed | 2026-02-12 11:54 | 2026-02-18 05:26 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Property Report uploaded to verify taxes for property "XXXX X XXXXX" uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Tax cert is missing for XXXX X XXXX property to verify monthly payment on it. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Report uploaded to verify taxes for property "XXXX X XXXXX" uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX XXXXX XXX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7586206 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10155985 | Closed | 2026-06-18 12:08 | 2026-07-15 05:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Verification provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Verification provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXX - XXXXXXXX XXXXXXX XXXXXXX _ XXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9822150 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10155985 | Closed | 2026-03-13 05:07 | 2026-03-18 05:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | B1 Verification of Undisclosed Debt Monitoring | Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Missing Verification of Undisclosed Debt Monitoring (UDM) Borrower X Evidence of Undisclosed Debt Monitoring is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088366 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10160133 | Closed | 2026-03-03 08:23 | 2026-03-09 12:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final HUD-X Document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX_XXXXX_XXXXXX_XXX_XXXXXXX_XXXXXX_XXXXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7893208 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232450 | Closed | 2026-02-27 11:38 | 2026-03-05 11:31 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-RESCIND FINDING PLEASE - CVX uses XXXX Choice of Law Provisions, therefore a PP is permitted by law. - Seller-XX/XX/XXXX Open-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-RESCIND FINDING PLEASE - CVX uses XXXX Choice of Law Provisions, therefore a PP is permitted by law. - Seller-XX/XX/XXXX |
Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 7846687 | Originator Post-Close | No | |||
| XXXX | XXXX | XXXX | 10160174 | Closed | 2026-03-03 10:19 | 2026-03-25 12:12 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Policy confirming XX months rent loss has been provided. XXXXXXXX has been updated to reflect - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per guidelines, rental loss coverage required for loans greater than X-years. Evidence of Property Insurance does not confirm rental coverage in place. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Policy confirming XX months rent loss has been provided. XXXXXXXX has been updated to reflect - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXXXX XXXXXX XX.XXX | XXXX | Investment | Purchase | NA | 7895903 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10160174 | Closed | 2026-03-03 10:33 | 2026-03-09 21:18 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Requested X-months of recent bank statements provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded two months XXXX statements - Seller-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements Per guidelines X.X, X-months of recent bank statements required for asset verification on purchase transaction. Only X-month bank statement found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded two months XXXX statements - Seller-XX/XX/XXXX |
Resolved-Requested X-months of recent bank statements provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X XX X XXXXXXX XXXXXXXX.XXX XXXXXXX_X XX X XXXXXXXX XXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 7896237 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232851 | Closed | 2026-03-02 21:37 | 2026-03-11 07:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided credit report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Missing the credit report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided credit report. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7885795 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232851 | Closed | 2026-03-03 12:43 | 2026-03-10 08:12 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Lender provided a copy of the bank statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded the First XXXXXXXXXX Bank Statement - Seller-XX/XX/XXXX Open-The bank statement in the file upload is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded the First XXXXXXXXXX Bank Statement - Seller-XX/XX/XXXX |
Resolved-Lender provided a copy of the bank statement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX XXXXXXXXXX XXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7899867 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-03 12:52 | 2026-04-20 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-The client has provided the complete contract of sale with addendum confirming sales price and seller credit. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded purchase contract and addendum - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing The loan file contains a copy of the purchase contract. However, it is corrupt and can't be opened. The loan file is missing the sales contact and addendums in PDF format supporting a sales price of $XXX,XXX and a seller credit of $X,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded purchase contract and addendum - Seller-XX/XX/XXXX |
Resolved-The client has provided the complete contract of sale with addendum confirming sales price and seller credit. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX XX XXXXXXXX XXXXXXXX.XXX XXXXXXX_XXXXXXXX XXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 7900061 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-03 12:47 | 2026-03-11 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-The client has provided the missing prelim title. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The client provided the prelim title however it is still corrupt and can't be opened. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing The loan file contains a copy of the preliminary title report. However, the file is corrupt and can't be opened. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client has provided the missing prelim title. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXX_XXXXXX.XXX XXXXXXX_XXXXXX.XXX |
XXXX | Investment | Purchase | NA | 7899948 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-03 13:07 | 2026-03-09 09:39 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is missing | Resolved-The client has provided evidence that the borrowing entity is in good standing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Certificate of Good Standing showing borrowing entity as active - Seller-XX/XX/XXXX Open-The loan file contains evidence that the borrowing entity is in good standing/active however the document is corrupt and can't be opened. The loan file is missing evidence of the entity's current status (good standing or active) in PDF format. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Certificate of Good Standing showing borrowing entity as active - Seller-XX/XX/XXXX |
Resolved-The client has provided evidence that the borrowing entity is in good standing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXX XX XXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7900485 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-03 12:26 | 2026-03-09 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-The client has provided an addendum to the application clarifying that the borrower is a non prem resident alien. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded citizenship addendum reflecting non-permanent resident alien - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing The loan file contains conflicting information regarding the borrowers citizenship. The application states he is a US citizen. However, the file also contains an X-XXX (employment authorization). The loan file is missing evidence of the borrower's citizenship. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded citizenship addendum reflecting non-permanent resident alien - Seller-XX/XX/XXXX |
Resolved-The client has provided an addendum to the application clarifying that the borrower is a non prem resident alien. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7899425 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-03 13:11 | 2026-03-09 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 1 Missing | Resolved-The client has provided the missing X months XXXX statements with a sufficient balance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded X months X of X statements - Seller-XX/XX/XXXX Open-The loan file contains copies of the borrowers XXXX statement #XXXX however they are corrupt and can't be opened. The loan file is missing the X most recent statements for XXXX XXXX # XXXX to show a minimum balance of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded X months X of X statements - Seller-XX/XX/XXXX |
Resolved-The client has provided the missing X months XXXX statements with a sufficient balance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X XX X XXXXXXX XXXXXXXXX.XXX XXXXXXX_X XX X XXXXXXXX XXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 7900620 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-03 12:57 | 2026-03-09 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-The client has provided a copy if the HOI with sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy The loan file contains a copy of the HOI policy. However, it is corrupt and can't be opened. The loan file is missing the HOI policy in PDF format supporting sufficient coverage (min $XX,XXX) with sufficient rent loss and coverage from at least note date (XX/XX/XX) forward. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client has provided a copy if the HOI with sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX_XXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7900207 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232869 | Closed | 2026-03-02 06:47 | 2026-03-03 12:15 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Open-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Purchase | NA | 7866895 | Investor Post-Close | No | |||||
| XXXX | XXXX | XXXX | 10232558 | Closed | 2026-03-03 16:15 | 2026-03-18 09:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement cost provided. Per guidelines, lesser or loan amount or replacement cost deemed to be sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Per Guidelines XX.X, hazard insurance coverage must be lesser of loan amount or total replacement cost. Insurance declaration page reflects coverage of $XXX,XXX which is insufficient (loan amount of $X,XXX,XXX; replacement cost estimate provided per appraisal). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Replacement cost provided. Per guidelines, lesser or loan amount or replacement cost deemed to be sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7905680 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232940 | Closed | 2026-02-27 04:28 | 2026-03-09 02:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing DOT is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 7839645 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232402 | Closed | 2026-03-10 12:16 | 2026-04-20 13:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded all leases and extensions - Seller-XX/XX/XXXX Open-The lease agreements for all X units cannot be opened in zip folder. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded all leases and extensions - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXX XX XXXX - XXXX X XXXXX XX.XXX XXXXXXX_XXXXXXXXX XX XXXXX XXXX X XXXXX XX.XXX XXXXXXX_XXXXXXXXX XX XXXXX - XXXX X. XXXXX XX.XXX XXXXXXX_XXXXX - XXXX X XXXXX XX.XXX XXXXXXX_XXXXX - XXXX X XXXXX XX.XXX XXXXXXX_XXXXX - XXXX XXXXX XX.XXX XXXXXXX_XXXXX - XXXX X XXXXX XX.XXX |
XXXX | Investment | Purchase | NA | 8023878 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232402 | Closed | 2026-03-10 12:04 | 2026-03-19 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - Uploaded driver's license for both borrowers - Seller-XX/XX/XXXX Open-Borrower X Citizenship Documentation Is Missing Borrower X Photo ID document in Zip Folder will not open. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - Uploaded driver's license for both borrowers - Seller-XX/XX/XXXX |
Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XX - XXXXXX.XXX | XXXX | Investment | Purchase | NA | 8023596 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232402 | Closed | 2026-03-09 05:56 | 2026-03-19 05:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved- Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Provide Borrower X Credit Report which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7990366 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232402 | Closed | 2026-03-09 05:56 | 2026-03-19 05:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved- Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Provide Borrower X Credit Report which is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- Credit Report is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Investment | Purchase | NA | 7990365 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232907 | Closed | 2026-03-05 08:12 | 2026-03-10 08:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-The client has requested an exception to the loan amount guideline. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX Open-Audited Loan Amount is less than Guideline Minimum Loan Amount The matrix states the minimum loan amount is $XX,XXX for single property loans however the loan was approved at $XX,XXX which is below the minimum loan amount by $X,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX |
Waived-The client has requested an exception to the loan amount guideline. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | 725 Representative credit score exceeds the minimum required of 660 by 65 points DSCR ratio of 1.496 exceeds the minimum requirement of 1 by 0.496 points. |
XXXX | Investment | Refinance | Cash Out - Other | 7940165 | Originator Post-Close | Yes | |
| XXXX | XXXX | XXXX | 10232682 | Closed | 2026-03-09 01:38 | 2026-03-09 14:52 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment Penalty considered per Note pg#XXX - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment Penalty considered per Note pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment Penalty considered per Note pg#XXX - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment Penalty considered per Note pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 7989085 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10232917 | Closed | 2026-03-09 08:45 | 2026-03-19 06:49 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Finding added for Borrower Entity /Individual has insufficient Experience; we have reo properties and property reports in file, which covers borrower experience of >XX months, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded REO addendum which corresponds with the three property profiles located on pages XXX, XXX & XXX - Seller-XX/XX/XXXX Open-Provide property report for the REO property located at XXX XXXXX XXXX XX per GL X.X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded REO addendum which corresponds with the three property profiles located on pages XXX, XXX & XXX - Seller-XX/XX/XXXX |
Resolved-Finding added for Borrower Entity /Individual has insufficient Experience; we have reo properties and property reports in file, which covers borrower experience of >XX months, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7993599 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232741 | Closed | 2026-03-16 08:47 | 2026-03-24 13:23 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Property Disaster Inspection received dated after end date of disaster. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Disaster Inspection received dated after end date of disaster. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXXXXX - XXXX XXXXXXX XXXX.XXX | XXXX | Investment | Purchase | NA | 8123128 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232889 | Closed | 2026-03-10 13:17 | 2026-03-30 21:18 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Proof of insurance including rent loss provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rescind Finding - escalate to management - Sufficient Rent Loss attached - Seller-XX/XX/XXXX Counter-Provided document does not support amount of rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per Guidelines XX.X.XX rent loss coverage is required for X-X unit properties with a loan term greater than X years. Insurance declaration page provided does not confirm rent loss coverage in place. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rescind Finding - escalate to management - Sufficient Rent Loss attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of insurance including rent loss provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXXX_XXXXXXXXXXXXXXXX.XXX XXXXXXXXXX_XXX XXXX XXXX XXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8025383 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232885 | Closed | 2026-03-10 08:46 | 2026-04-08 09:16 | Resolved | 1 - Information | A | A | Data Edit | Data Edit | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Unable to Resolve-Fully executed Flood Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-XX/XX/XXXX Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Notice of special flood hazards document on page XXX is not signed. - Due Diligence Vendor-XX/XX/XXXX |
Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Unable to Resolve-Fully executed Flood Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX XXXXXX XX XXXX.XXX | XXXX | Investment | Purchase | NA | 8016551 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232404 | Closed | 2026-03-12 11:57 | 2026-04-06 08:24 | Waived | 2 - Non-Material | C | B | Credit | Credit | Reserve requirement was not met | Waived-Lender provided exception for reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX Counter-The borrower has $XX,XXX.XX in verified assets. The settlement statement shows that the borrower needed $XX,XXX.XX for closing leaving the borrower with $X,XXX.XX available for reserves. The borrower needs $X,XXX.XX for reserves leaving the borrower short $X,XXX.XX. The XX,XXX EMD is already taken into consideration for the funds needed for closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - EMD cleared the borrowers bank account on X/XX/XX per the wire in file. Per the HUD, the borrower brought in $XX,XXX.XX plus X months reserves of $XXXX.XX = $XX,XXX. Verified assets are $XX,XXX.XX; therefore, reserves are not short - Seller-XX/XX/XXXX Open-Per the matrix dated XX/XX/XX, X months reserves required if property is not leased/vacant prior to funding. Using XXXX acct #XXXX with balance of $XX,XXX.XX and credit for $XX,XXX emd gives total assets of $XX,XXX.XX. Using pitia of $X,XXX.XX*X= $X,XXX.XX plus cash required to close of $XX,XXX.XX plus $XX,XXX emd gives total require of $XX,XXX.XX which gives a shortfall of -$X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - EMD cleared the borrowers bank account on X/XX/XX per the wire in file. Per the HUD, the borrower brought in $XX,XXX.XX plus X months reserves of $XXXX.XX = $XX,XXX. Verified assets are $XX,XXX.XX; therefore, reserves are not short - Seller-XX/XX/XXXX |
Waived-Lender provided exception for reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | 784 Representative credit score exceeds the minimum required of 660 by 124 points. DSCR ratio of 1.948 exceeds the minimum requirement of 1 by 0.948 points. Borrower has owned subject investment property 4 years. |
XXXX | Investment | Purchase | NA | 8074447 | Investor Post-Close | No | |
| XXXX | XXXX | XXXX | 10232653 | Closed | 2026-03-10 13:57 | 2026-03-19 04:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-DOT is Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing Deed of Trust in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-DOT is Missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8027003 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232609 | Closed | 2026-03-12 11:35 | 2026-03-31 08:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-The client has responded that the assets in question were not used for qualifying. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please note that the account you are requesting was not used for qualifying assets. It is used for ACH payments only; therefore, source of funds is not required. - Seller-XX/XX/XXXX Open-The guideline X.X.X |describes a a large deposit is defined as a single deposit that exceeds XX% of the loan amount. The borrowers printout from XXXX #XXXX shows X large deposits that are not sourced or explained. The deposits into XXXX #XXXX occurred on XX/XX/XX for $XXX,XXX and XX/XX/XX for $XXX,XXX. The loan file is missing the source of funds for X large deposits that were used for closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please note that the account you are requesting was not used for qualifying assets. It is used for ACH payments only; therefore, source of funds is not required. - Seller-XX/XX/XXXX |
Resolved-The client has responded that the assets in question were not used for qualifying. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8072456 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232609 | Closed | 2026-03-12 11:30 | 2026-03-31 08:30 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-The client has responded that the assets in question were not used for qualifying. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please note that the account you are requesting was not used for qualifying assets. It is used for ACH payments only; therefore, an additional bank statement is not required. - Seller-XX/XX/XXXX Open-The guideline the number of required bank statements varies per transaction states that a purchase transaction requires X months of statements. The loan file contains the borrowers XXXX statements for XX/XX/XX to XX/XX/XX however this is not a full X months statements. The loan file is missing a complete X month transaction history for XXXX #XXXX with a balance of $XXX,XXX.XX as of XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please note that the account you are requesting was not used for qualifying assets. It is used for ACH payments only; therefore, an additional bank statement is not required. - Seller-XX/XX/XXXX |
Resolved-The client has responded that the assets in question were not used for qualifying. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8072369 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232609 | Closed | 2026-03-12 11:23 | 2026-03-18 09:03 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-The dec page not previously marked as an HOI page shows rent loss coverage of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Rescind Finding. Rent Loss and Loss of Use are the same. Escalate to management. - Seller-XX/XX/XXXX Open-As per the guideline XX.X.XX | RENT LOSS INSURANCE COVERAGE CVX requires rent loss coverage, equaling the lesser of: A minimum of X- months of market rents or, XX% of the dwelling coverage amount. The loan file contains the dec page for the HOI and it shows loss of use coverage however this is not the same as rent loss coverage. The loan file is missing evidence of rent loss insurance for X months on PITIA payments or XX% of the dwelling coverage amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Rescind Finding. Rent Loss and Loss of Use are the same. Escalate to management. - Seller-XX/XX/XXXX |
Resolved-The dec page not previously marked as an HOI page shows rent loss coverage of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8072144 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232778 | Closed | 2026-03-13 09:50 | 2026-03-31 22:24 | Resolved | 1 - Information | C | A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | Resolved-Joint account holder confirmed per bank statements. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages X - XX of the XXXX bank statement which reflects the borrower as joint account holder - Seller-XX/XX/XXXX Open-Bank statements #XXXX / #XXXX provided are not for the borrower/business entity. LOE missing to explain relationship to borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages X - XX of the XXXX bank statement which reflects the borrower as joint account holder - Seller-XX/XX/XXXX |
Resolved-Joint account holder confirmed per bank statements. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8094356 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232778 | Closed | 2026-03-11 06:21 | 2026-03-19 20:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Unit#X at XXX XXXXXXXXXX XXXXXX confirmed vacant. Actual rents (including Unit#X vacancy) still within DSCR guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the photos of the appraisal for unit X which reflects vacancy. Apparently the appraiser made a mistake; however, the UW used market rents to qualify since the unit is vacant. - Seller-XX/XX/XXXX Open-Lease agreement is missing for property : XXX XXXXXXXXXX XXXXXX - Xrd unit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the photos of the appraisal for unit X which reflects vacancy. Apparently the appraiser made a mistake; however, the UW used market rents to qualify since the unit is vacant. - Seller-XX/XX/XXXX |
Resolved-Unit#X at XXX XXXXXXXXXX XXXXXX confirmed vacant. Actual rents (including Unit#X vacancy) still within DSCR guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8037412 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232778 | Closed | 2026-03-13 09:36 | 2026-03-19 20:04 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Updated Credit Memo provided listing X property as borrower experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with correct number of properties used for experience - Seller-XX/XX/XXXX Open-Credit Memo indicates borrower qualified with X property exits under experience. Loan application only reflects X property. Provide properties utilized for borrower experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo with correct number of properties used for experience - Seller-XX/XX/XXXX |
Resolved-Updated Credit Memo provided listing X property as borrower experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8094023 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232941 | Closed | 2026-03-12 06:47 | 2026-05-11 18:16 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - Wj - Uploaded Credit memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Qualified loan amount ifs $XXXXX and minimum loan amount is $XXXXX per guideline. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - Wj - Uploaded Credit memo reflecting approved exception for loan amount - Seller-XX/XX/XXXX |
Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | $36,662 reserves exceed the minimum required of $737 exceeds the minimum by 50 months over the required minimum. Investor has 3 years of experience with investment properties. DSCR ratio of 1.623 exceeds the minimum requirement of 1 by 0.623 points. |
XXXX | Investment | Refinance | Cash Out - Other | 8065904 | Originator Post-Close | Yes | |
| XXXX | XXXX | XXXX | 10232941 | Closed | 2026-03-16 11:19 | 2026-03-25 13:37 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA | Resolved-Post Disaster Inspection dated X.XX.XX indicating no disaster related property damage. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX – Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX. Public Assistance: YES. Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Post Disaster Inspection dated X.XX.XX indicating no disaster related property damage. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXX - XXX XXXXX XXXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8128544 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232549 | Closed | 2026-03-11 05:47 | 2026-04-21 15:10 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Per guidelines, minimum loan amount is $XX,XXX. Loan amount of $XX,XXX is below the minimum requirement. Exception to guidelines approved per Credit Memo with compensating factors. - Due Diligence Vendor-XX/XX/XXXX | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Per guidelines, minimum loan amount is $XX,XXX. Loan amount of $XX,XXX is below the minimum requirement. Exception to guidelines approved per Credit Memo with compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
809 Representative credit score exceeds the minimum required of 660 by 149 points $66,036 reserves exceed the minimum required of $2,523 exceeds the minimum by 26 months over the required minimum. DSCR ratio of 1.348 exceeds the minimum requirement of 0.8 by 0.548 points. |
XXXX | Investment | Refinance | Cash Out - Other | 8036836 | Investor Post-Close | No | |||
| XXXX | XXXX | XXXX | 10232549 | Closed | 2026-03-11 06:43 | 2026-03-20 02:46 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Property profile report for property "XXX XXXXXXXX XXXXXX" uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile requested - Seller-XX/XX/XXXX Open-As per XXXX borrower is experienced however unable to verify the Property XXX XXXXXXXX XXXXXX. Please provide property detail report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded property profile requested - Seller-XX/XX/XXXX |
Resolved-Property profile report for property "XXX XXXXXXXX XXXXXX" uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX - XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8037632 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10200595 | Closed | 2026-03-16 13:29 | 2026-03-30 09:31 | Resolved | A | A | Data Edit | Data Edit | Liquid Funds Post-Close is less than $0 | Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statements uploaded. - Seller-XX/XX/XXXX Open-Liquid fund post close is less than X Asset documentation in file does not cover the required amount for funds to close. Please provide additional assets documentation to support funds to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Statements uploaded. - Seller-XX/XX/XXXX |
Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXXXXXX XXXXXXXXX XX.XX XX X.XX.XX XXXXXXXXX .XXX XXXXXXX XXXX XXXXXX XXXXXXXXX.XXX XXXXXX XXX XXX XXXX XXX.XXX XXXXXX XXX XXX XXXX XXX XXXXXXXXX .XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8132185 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10200595 | Closed | 2026-03-16 13:03 | 2026-03-18 09:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete pages uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Complete pages uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Page XX of XX of the Deed of Trust is missing from the loan file. Please provide the missing page. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Complete pages uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Complete pages uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8131542 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232503 | Closed | 2026-03-19 05:36 | 2026-03-27 08:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Requested Photo Identity Provided, Updated & Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXX requirements. The loan file contains the borrowers photo ID however the file is corrupt and can't be opened. The loan file is missing the borrowers photo ID in PDF format. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Photo Identity Provided, Updated & Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8205897 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232503 | Closed | 2026-03-19 01:49 | 2026-03-27 08:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The loan file is missing the borrowers credit report, supporting a credit score of XXX, that was used in underwriting. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Credit report Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8203551 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232378 | Closed | 2026-03-18 03:26 | 2026-03-30 09:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Requested Photo ID provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXX requirements. Borrower Id is Provided but it is expired on XX/XX/XXXX,need updated ID to verify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Photo ID provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8176312 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232378 | Closed | 2026-03-18 00:36 | 2026-03-30 09:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided Updated Title, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage amount is $XXXXXX is less than loan amount is $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title coverage is less than loan amount, provided Updated Title, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXX XXXXXXXXXX (X) (XX).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8174629 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232378 | Closed | 2026-03-18 00:45 | 2026-03-25 20:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Statement of no loss provided during lapse of coverage X/XX/XXXX to X/XXXX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of X/XX/XXXX is after the Note date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Statement of no loss provided during lapse of coverage X/XX/XXXX to X/XXXX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXX XX XX XXXX - XXXX X XXXXXXX - XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8174674 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232496 | Closed | 2026-03-17 09:35 | 2026-03-25 07:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded the credit report - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The credit report is missing from file. The folder in the zip file listed as 'Credit Report' is empty as well. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded the credit report - Seller-XX/XX/XXXX |
Resolved-Requested Credit Report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8149113 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232959 | Closed | 2026-03-24 23:44 | 2026-04-08 20:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Valid ID provided for co-borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Provided driver's license for co-borrower expired X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per XXXXXXXX requirements. Borrower X Identification -Driver License expired. Required updated document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Valid ID provided for co-borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX_XXXXXXXXXXXXX.XXX XXXXXXXXXX_XX_XXXXXXXXXXX.XXX XXXXXXXXXX_XXXXXX XXXXXXX - XXXXX XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8304471 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232959 | Closed | 2026-03-25 19:44 | 2026-04-03 11:27 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Credit Memo verbiage states X property exits as borrower experience confirmed by Property Details Reports. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX which contains the REO schedule; page XXXX which contains the property profile for XXXXXX; page XXXX which contains the property profile for XXXXX and page XXXX which contains the property profile for XXXXXXXXXXX. The Credit Memo reflects three properties which is correct. - Seller-XX/XX/XXXX Open-Credit Memo indicates borrower qualified as 'experienced borrower' however no properties verified in the past XX-months. Updated Credit Memo requested for support X property owned for XX-months or X properties owned per XXXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XX which contains the REO schedule; page XXXX which contains the property profile for XXXXXX; page XXXX which contains the property profile for XXXXX and page XXXX which contains the property profile for XXXXXXXXXXX. The Credit Memo reflects three properties which is correct. - Seller-XX/XX/XXXX |
Resolved-Credit Memo verbiage states X property exits as borrower experience confirmed by Property Details Reports. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8324190 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232959 | Closed | 2026-03-25 19:21 | 2026-04-03 11:14 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Increase in Value of $XXX,XXX (prior sale of $XXX,XXX on XX/XX/XXXX and appraised value of $XXX,XXX on X/XX/XXXX supported by prior listing photos and appraised photos. Subject has new roof, new windows, flooring, renovated common halls, interior paint, and fixtures. Unit X and X have updated kitchens and baths. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page X of the appraisal in the improvements section. It states that subject property since the purchase in XXXX - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX X.XX, cash-out refinance transactions that have been owned less than X months state if appraised value is greater than the acquisition price, then as-is appraised value may be used only when subject property improvements have been made after acquisition and are verified by AMC appraiser comments, borrower/sponsor or general contractor provided scope of work, receipts/invoices, photos, etc. Property acquired XX/XX/XXXX. Scope of work, receipts/invoices or photos not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page X of the appraisal in the improvements section. It states that subject property since the purchase in XXXX - Seller-XX/XX/XXXX |
Resolved-Increase in Value of $XXX,XXX (prior sale of $XXX,XXX on XX/XX/XXXX and appraised value of $XXX,XXX on X/XX/XXXX supported by prior listing photos and appraised photos. Subject has new roof, new windows, flooring, renovated common halls, interior paint, and fixtures. Unit X and X have updated kitchens and baths. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8324050 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232959 | Closed | 2026-03-24 10:36 | 2026-03-30 03:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing Title Document missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Title document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8288604 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232387 | Closed | 2026-03-26 23:39 | 2026-04-08 20:36 | Resolved | 1 - Information | C | A | Credit | Assets | Large Deposit Not Verified. | Resolved-Funds from acct#XXXX used to qualify for reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X JM - PLEASE RESCIND FINDING. Funds to close came from XXXXX Acct# XXXX, but no funds from this account were used to qualify. Statements from this account provided to papertrail funds. Borrower had sufficient funds in XXX XXXX - $XX,XXX.XX which is sufficient to qualify. No additional documentation deemed necessary. - Seller-XX/XX/XXXX Open-Deposits made of $XX,XXX.XX and $XX,XXX.XX made for Acct#XXXX. Verification/documentation of funds not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X JM - PLEASE RESCIND FINDING. Funds to close came from XXXXX Acct# XXXX, but no funds from this account were used to qualify. Statements from this account provided to papertrail funds. Borrower had sufficient funds in XXX XXXX - $XX,XXX.XX which is sufficient to qualify. No additional documentation deemed necessary. - Seller-XX/XX/XXXX |
Resolved-Funds from acct#XXXX used to qualify for reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8352099 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232387 | Closed | 2026-03-26 23:28 | 2026-04-08 20:34 | Resolved | 1 - Information | C | A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Confirmed terms of purchase agreement reducing price to $XXX,XXX in lieu of repairs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X JM - PLEASE RESCIND FINDING. See Pg XX - Buyer's request to Remedy Addendum. The last statement in the addendum reads: In leu of repairs, the buyer requests the purchase price to be $XXX,XXX. - Seller-XX/XX/XXXX Open-Per settlement statement, purchase price is $XXX,XXX. XXXX purchase agreement indicates purchase price of $XXX,XXX with no addendum provided indicating a reduced purchase price to $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X JM - PLEASE RESCIND FINDING. See Pg XX - Buyer's request to Remedy Addendum. The last statement in the addendum reads: In leu of repairs, the buyer requests the purchase price to be $XXX,XXX. - Seller-XX/XX/XXXX |
Resolved-Confirmed terms of purchase agreement reducing price to $XXX,XXX in lieu of repairs. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8352062 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232526 | Closed | 2026-03-26 00:19 | 2026-04-14 09:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXX.XXX | XXXX | Investment | Purchase | NA | 8327307 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232526 | Closed | 2026-03-26 00:10 | 2026-04-07 05:38 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provided Title Coverage Amount of $XXX,XXX.XX is less than the Loan Amount $X,XXX,XXX.XX. Title policy on page#XXX . Hence required updated title document which cover loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated title policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 8327284 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232526 | Closed | 2026-03-26 00:44 | 2026-04-07 05:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded the Drive report - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Third Party Fraud Report is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded the Drive report - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 8327352 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232561 | Closed | 2026-03-25 10:58 | 2026-04-03 16:07 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-The client provided evidence of the borrowers experience and now meets g/l. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded property profile and entity doc - Seller-XX/XX/XXXX Counter-The client did not upload the property profile as stated, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - Uploaded property profile for XXXX reflecting borrowing entity as current owner - Seller-XX/XX/XXXX Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file contains property reports to show the borrowers experience however the property report for XXXX X XXXX XXXX does not show the borrower as a past or present owner. The loan file is missing evidence of the borrowers X property experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded property profile and entity doc - Seller-XX/XX/XXXX Ready for Review-X/X/XX - WJ - Uploaded property profile for XXXX reflecting borrowing entity as current owner - Seller-XX/XX/XXXX |
Resolved-The client provided evidence of the borrowers experience and now meets g/l. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX - XXXX XXXXXXX.XXX XXXXXXXXXX_XXXXXX XXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8312271 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232561 | Closed | 2026-03-25 11:02 | 2026-04-02 08:21 | Resolved | 1 - Information | C | A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-The client has provided the articles of organization for XXXXXXX XXXXXXXXXXX XXXXXXXX XX, XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - Uploaded Entity Docs which contain the OA and Articles of Incorporation - Seller-XX/XX/XXXX Open-The guideline X.X.X U.S. Legal Entities states under LLC that a copy of filed Articles of Organization to evidence registration of the LLC within the state is required. The loan file is missing the Articles of Organization for XXXXXXX XXXXXXXXXXX XXXXXXXX XX, XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - Uploaded Entity Docs which contain the OA and Articles of Incorporation - Seller-XX/XX/XXXX |
Resolved-The client has provided the articles of organization for XXXXXXX XXXXXXXXXXX XXXXXXXX XX, XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8312360 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232561 | Closed | 2026-03-25 11:01 | 2026-04-02 08:21 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The client has provided the operating agreement for XXXXXXX XXXXXXXXXXX XXXXXXXX XX, XXX.. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Entity Docs which contain the OA and Articles of Incorporation - Seller-XX/XX/XXXX Open-The guideline X.X.X U.S. Legal Entities states under LLC that a copy of fully executed Operating Agreement is required. The loan file is missing the Operating Agreement for XXXXXXX XXXXXXXXXXX XXXXXXXX XX, XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Entity Docs which contain the OA and Articles of Incorporation - Seller-XX/XX/XXXX |
Resolved-The client has provided the operating agreement for XXXXXXX XXXXXXXXXXX XXXXXXXX XX, XXX.. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8312325 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232788 | Closed | 2026-03-25 06:45 | 2026-04-07 08:25 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-The client provided pages X-X of the ground rent redemption deed, page X is on pg XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded a copy of the fully executed ground redemption lease - Seller-XX/XX/XXXX Open-Property Title Issue The loan file contains a copy of the unexecuted ground rent redemption deed however a fully executed one is needed. The loan file is missing the fully executed ground rent redemption deed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded a copy of the fully executed ground redemption lease - Seller-XX/XX/XXXX |
Resolved-The client provided pages X-X of the ground rent redemption deed, page X is on pg XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXXXX XXXXXX XXXXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8307927 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232392 | Closed | 2026-03-25 17:26 | 2026-04-03 11:57 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Scope of work found in file for $X,XXX.XX. Reviewed prior listing to confirm condition of property prior to sale. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the scope of work that has been done to upgrade the subject property since it was purchased - Seller-XX/XX/XXXX Open-Per guidelines X.XX, cash-out refinance transactions that have been owned less than X months state if appraised value is greater than the acquisition price, then as-is appraised value may be used only when subject property improvements have been made after acquisition and are verified by XXXX appraiser comments, borrower/sponsor or general contractor provided scope of work, receipts/invoices, photos, etc. Property acquired XX/X/XXXX. Scope of work found in file (pg XXX), however unable to confirm repairs completed by appraiser comments, receipts/invoices or photos. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the scope of work that has been done to upgrade the subject property since it was purchased - Seller-XX/XX/XXXX |
Resolved-Scope of work found in file for $X,XXX.XX. Reviewed prior listing to confirm condition of property prior to sale. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8322011 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232392 | Closed | 2026-03-25 03:47 | 2026-03-25 18:07 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Exception to guidelines due to loan amount provided on Credit Memo with compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX | Waived-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Exception to guidelines due to loan amount provided on Credit Memo with compensating factors. - Due Diligence XXXXXX-XX/XX/XXXX |
75% LTV is below the maximum 80% LTV by 5%. 763 Representative credit score exceeds the minimum required of 660 by 103 points $11,464 reserves exceed the minimum required of $3,233 exceeds the minimum by 4 months over the required minimum. |
XXXX | Investment | Refinance | Cash Out - Other | 8305919 | Originator Post-Close | No | |||
| XXXX | XXXX | XXXX | 10232620 | Closed | 2026-03-24 08:46 | 2026-04-06 08:01 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested Appraisal Provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Appraisal is Missing Missing Primary appraisal. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Appraisal Provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8285270 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232620 | Closed | 2026-03-24 06:41 | 2026-04-06 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender provided tax bill. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Tax Bill - Seller-XX/XX/XXXX Counter-No document attached to the condition. Please re-upload. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-X/X/XX - WJ - Uploaded Tax Bill - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax document is missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Tax Bill - Seller-XX/XX/XXXX Ready for Review-X/X/XX - WJ - Uploaded Tax Bill - Seller-XX/XX/XXXX |
Resolved-Lender provided tax bill. - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8283435 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232620 | Closed | 2026-03-24 06:00 | 2026-04-02 05:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Requested Form XXXX Rent Schedule, Provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded XXXX - Seller-XX/XX/XXXX Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Third party market rent (and lease as applicable) documents are missing. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded XXXX - Seller-XX/XX/XXXX |
Resolved-Requested Form XXXX Rent Schedule, Provided, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8282817 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232813 | Closed | 2026-03-26 15:58 | 2026-04-02 08:37 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-The client has provided an updated prelim title. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The loan file contains a copy of the prelim title report with $XXX,XXX in coverage however this is less then the loan amount of $XXX,XXX. The loan file is missing evidence of sufficient title coverage of at least $XXX,XXX. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client has provided an updated prelim title. - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8345396 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232587 | Closed | 2026-03-25 11:20 | 2026-03-30 03:50 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided Updated Title, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount Provide Title Coverage Amount of $XXX,XXX is Greater than or equal to Loan Amount. Title policy on page#XXX coverage amount showing as $X. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title coverage is less than loan amount, provided Updated Title, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXX_XXXXXX_XXXX_XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8312925 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232461 | Closed | 2026-03-25 06:07 | 2026-04-03 09:00 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested Credit memo of updated version date of XX/XX/XXXX, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded corrected credit memo - Seller-XX/XX/XXXX Open-Credit memo in file has a guideline date of XX/XX/XXXX. This is not a valid guideline date. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded corrected credit memo - Seller-XX/XX/XXXX |
Resolved-Requested Credit memo of updated version date of XX/XX/XXXX, Updated & Condition Resolved - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX-XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8307644 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232461 | Closed | 2026-03-25 07:10 | 2026-03-31 09:20 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Replacement cost estimate provided. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of XXXXXX is Less than Loan Amount of XXXXXX.XX - No replacement Cost value Document is Provided - Please Provide Supporting Documents - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Replacement cost estimate provided. - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXX_XXXXXXXX-XXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8308182 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232727 | Closed | 2026-03-25 12:26 | 2026-03-30 08:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The client has provided the deed of trust. - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing the deed of trust. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client has provided the deed of trust. - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XX_XXXXXXXXXXXXXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8314994 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232743 | Closed | 2026-03-25 04:20 | 2026-04-06 07:13 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated credit memo provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct guideline version date - Seller-XX/XX/XXXX Open-The credit memo reflects UW guideline version as XX/XX/XXXX. Missing credit memo with correct guideline date. - Due Diligence XXXXXX-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo with correct guideline version date - Seller-XX/XX/XXXX |
Resolved-Updated credit memo provided. Resolved - Due Diligence XXXXXX-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8306069 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232527 | Closed | 2026-03-25 08:28 | 2026-04-03 06:22 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Requested Wire for joint venture Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded wire transfer of funds from JV partner which corresponds to the amount brought into title on the HUD - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provided Joint Venture agreement on page XXX showing $XXXXXX. Provide proof of document to verify the amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded wire transfer of funds from JV partner which corresponds to the amount brought into title on the HUD - Seller-XX/XX/XXXX |
Resolved-Requested Wire for joint venture Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX XXXXX - XXXX.XXX | XXXX | Investment | Purchase | NA | 8309053 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232567 | Closed | 2026-03-24 16:45 | 2026-04-01 08:52 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Received corrected REO schedule meeting the experience GL with property reports in the file for each property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded REO schedule that corresponds to the three property profiles in the file - Seller-XX/XX/XXXX Open-Provide a property report for the property located at XXX The XXXX per the REO schedule on page XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded REO schedule that corresponds to the three property profiles in the file - Seller-XX/XX/XXXX |
Resolved-Received corrected REO schedule meeting the experience GL with property reports in the file for each property. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8299983 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232669 | Closed | 2026-03-24 06:54 | 2026-04-02 05:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested Hazard Insurance Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Hazard Insurance invoice in file, No policy in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Hazard Insurance Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8283650 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232669 | Closed | 2026-03-24 05:45 | 2026-03-25 12:28 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Open-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8282543 | Originator Post-Close | No | |||||
| XXXX | XXXX | XXXX | 10232534 | Closed | 2026-03-29 02:57 | 2026-04-17 09:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Credit exception made due to reserve shortage of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting an approved exception for reserve shortage - Seller-XX/XX/XXXX Open-Total qualify reserves we need $XXXXX.X we have reserves in file is $XXXX.X required or shortage of reserves are $XXXX.XX Provide updated assets. As per GL on page XX version of X/XX/XXXX we can't use cash-out as reserves for rate and term transactions. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting an approved exception for reserve shortage - Seller-XX/XX/XXXX |
Waived-Credit exception made due to reserve shortage of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | 69.32% LTV is below the maximum 80% LTV by 10.68%. 783 Representative credit score exceeds the minimum required of 660 by 123 points DSCR ratio of 1.247 exceeds the minimum requirement of 0.8 by 0.447 points. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8372885 | Originator Post-Close | No | |
| XXXX | XXXX | XXXX | 10232534 | Closed | 2026-03-29 04:07 | 2026-04-03 06:53 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Notice of Special Flood Hazards Disclosure is Unexecuted | Resolved-Requested SFHN Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Notice of Special Flood Hazards and Availability of Federal Disaster Relief Assistance Disclosure found in file not signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested SFHN Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX XXXXXX XX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8372932 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232820 | Closed | 2026-03-25 18:37 | 2026-03-30 10:34 | Resolved | 1 - Information | B | A | Credit | Credit | Incomplete application | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting X property used for experience which is the subject property which has been owned over XX months - Seller-XX/XX/XXXX Open-Credit Memo indicates X property exits for borrower experience. Please provide property detail report(s) for properties used to qualify borrower; not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit Memo reflecting X property used for experience which is the subject property which has been owned over XX months - Seller-XX/XX/XXXX |
XXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8323427 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232667 | Closed | 2026-03-26 06:21 | 2026-03-30 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The loan file is missing the credit report used in underwriting with a qualifying credit score of XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Credit report provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8330662 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232426 | Closed | 2026-03-27 19:27 | 2026-04-10 09:27 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Condition confirmed through online photos supporting upgrades. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X JM - PLEASE RESCIND FINDING. See Pg XX - Describe the condition of the property section in the improvements section of the appraisal indicates "The home was recently updated throughout with no deferred maintenance noted" Additionally, you can compare pictures from XXXX - XXXX/XXX-XXXXXX-Ave-XXXXXXXXX-XXXXXXX-XX-XXXXX/XXXXXXXX_zpid/ to support that the subject property has been updated. No additional documentation required. - Seller-XX/XX/XXXX Open-Per guidelines X.XX, cash-out refinance transactions that have been owned less than X months state if appraised value is greater than the acquisition price, then as-is appraised value may be used only when subject property improvements have been made after acquisition and are verified by AMC appraiser comments, borrower/sponsor or general contractor provided scope of work, receipts/invoices, photos, etc. Property acquired XX/XX/XXXX. Scope of work, receipts/invoices or photos not found in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X JM - PLEASE RESCIND FINDING. See Pg XX - Describe the condition of the property section in the improvements section of the appraisal indicates "The home was recently updated throughout with no deferred maintenance noted" Additionally, you can compare pictures from XXXX - https://www.XXXX.com/XXXX/XXX-XXXXXX-Ave-XXXXXXXXX-XXXXXXX-XX-XXXXX/XXXXXXXX_XXXX/ to support that the subject property has been updated. No additional documentation required. - Seller-XX/XX/XXXX |
Resolved-Condition confirmed through online photos supporting upgrades. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8370102 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232426 | Closed | 2026-03-27 01:39 | 2026-04-01 04:09 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing flood cert | Resolved-Requested Flood Cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Flood document is missing please provide the updated one. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Flood Cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8352517 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232768 | Closed | 2026-03-27 01:16 | 2026-03-27 12:57 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment Updated from secured Note term is XX - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment Updated from secured Note term is XX - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8352441 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10232944 | Closed | 2026-03-29 04:05 | 2026-04-03 06:55 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Notice of Special Flood Hazards Disclosure is Unexecuted | Resolved-Requested SFHN Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provided special flood hazards disclosure is not signed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested SFHN Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX XXXXXX XX XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8372929 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232799 | Closed | 2026-03-29 06:42 | 2026-04-15 09:21 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Borrower experience confirmed per Property Detail report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per guidelines, experience is supported if the borrower owns three properties within the past XX months. Please refer to pages XXX, XXX & XXX which all contain a property profile totaling three owned by our entity. - Seller-XX/XX/XXXX Open-The guideline X.X.X | RENTAL AND RENTAL PORTFOLIO – EXPERIENCE TIERS the borrower is required to have owned XXXX for X properties during the most recent X years or X property with a minimum of XX- months ownership. The property report in the loan file shows the subject is owned by borrower but having less than XX- months ownership. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per guidelines, experience is supported if the borrower owns three properties within the past XX months. Please refer to pages XXX, XXX & XXX which all contain a property profile totaling three owned by our entity. - Seller-XX/XX/XXXX |
Resolved-Borrower experience confirmed per Property Detail report. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8373040 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232473 | Closed | 2026-03-28 11:30 | 2026-04-15 08:16 | Waived | 2 - Non-Material | C | B | Credit | Credit | Total Reserves Requirement not met | Waived-The client has requested an exception for being short reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX Open-Total Reserves Requirement not met The matrix states under Post-Closing Reserves that X months reserves are required for a vacant property. The borrower had total assets of $XX,XXX.XX (XXXX: $XX,XXX.XX and XXXX'X: $XX,XXX.XX) and needed $XX,XXX.XX for closing leaving a balance of $X,XXX.XX however reserves are required at $XX,XXX.XX ($X,XXX.XXx x X). This leaves the borrower short reserves in the amount of $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Credit memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX |
Waived-The client has requested an exception for being short reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | 804 Representative credit score exceeds the minimum required of 680 by 124 points 0x30 mortgage history for 38 months. DSCR ratio of 1.217 exceeds the minimum requirement of 1 by 0.217 points. |
XXXX | Investment | Purchase | NA | 8372377 | Originator Post-Close | Yes | |
| XXXX | XXXX | XXXX | 10232473 | Closed | 2026-03-28 11:22 | 2026-04-15 08:08 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-The client has stated that the printout is not necessary as the balance decreased from the ending balance on the statement to the beginning balance on the printout. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Transaction history for the period X/XX - X/X/XXXX for XXXX Acct # ending XXXX deemed unnecessary. Assets are adequately documented for this account. Assets are documented for this account. File contains X months bank statements (XX/XX I& X/XX/XX) and transaction history for the same account covering transactions from X/X - X/XX/XX. Though there is a gap between X/XX -X/X/XX there is a decrease in the ending balance from X/XX to X/XX of $XX,XXX.XX. Due to this variance being a decrease, no additional asset documentation would be required. - Seller-XX/XX/XXXX Open-The guideline X.X.X Transaction History states an online or financial institution generated transaction history is acceptable when it is used in combination with bank or investment portfolio statement(s) containing the missing activity between the statement date and the date being verified. The file contains a bank statement for XXXX of XXXXXXX # XXXX that ends XX/XX/XX and a printout that starts XX/XX/XX. The loan file is missing the transaction history for XXXX of XXXXXXX # XXX from XX/XX to XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Transaction history for the period X/XX - X/X/XXXX for XXXX Acct # ending XXXX deemed unnecessary. Assets are adequately documented for this account. Assets are documented for this account. File contains X months bank statements (XX/XX I& X/XX/XX) and transaction history for the same account covering transactions from X/X - X/XX/XX. Though there is a gap between X/XX -X/X/XX there is a decrease in the ending balance from X/XX to X/XX of $XX,XXX.XX. Due to this variance being a decrease, no additional asset documentation would be required. - Seller-XX/XX/XXXX |
Resolved-The client has stated that the printout is not necessary as the balance decreased from the ending balance on the statement to the beginning balance on the printout. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8372367 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232469 | Closed | 2026-03-28 09:54 | 2026-04-14 06:49 | Resolved | 1 - Information | C | A | Property | Property | Property has been listed for sale in the past 6 months | Resolved-Appraisal & Scope of work on page #XXX supports that upgrades were done less than one year hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX - XXX which contain the scope of work that was completed after purchase of subject property and is supported by the appraisal which states that upgrades were done less than one year. - Seller-XX/XX/XXXX Open-date of prior sale of XX/XX/XXXX is less than X months i.e., X months from closing date, Hence Seasoning Requirement does not meet GL requirement of X months from closing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to pages XXX - XXX which contain the scope of work that was completed after purchase of subject property and is supported by the appraisal which states that upgrades were done less than one year. - Seller-XX/XX/XXXX |
Resolved-Appraisal & Scope of work on page #XXX supports that upgrades were done less than one year hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8372228 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232662 | Closed | 2026-03-29 06:03 | 2026-04-06 07:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Credit Memo | Resolved-Updated credit memo provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo - Seller-XX/XX/XXXX Open-provided credit memo pg no: XXX GL version date is XX/XX/XXXX . provide updated Credit memo - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X/XX - WJ - Uploaded Credit Memo - Seller-XX/XX/XXXX |
Resolved-Updated credit memo provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8373016 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232379 | Closed | 2026-03-29 23:49 | 2026-04-17 10:02 | Resolved | 1 - Information | C | A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-Purchase contract addendum provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Purchase addendum - Seller-XX/XX/XXXX Open-Settlement statement reflects seller credit of $X,XXX, however purchase agreement does not indicate any seller concessions. Missing addendum to include $X,XXX closing cost assistance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX/XX - WJ - Uploaded Purchase addendum - Seller-XX/XX/XXXX |
Resolved-Purchase contract addendum provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX XXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8377941 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232379 | Closed | 2026-03-29 23:20 | 2026-04-15 09:53 | Resolved | 1 - Information | B | A | Credit | Credit | Incomplete application | Resolved-Borrower experience confirmed per property detail reports. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the following pages which contain three property profiles that support experience: Page XXX - XXXXX; page XXX - XXXXXXXXX; page XXX - XXXXXXX - Seller-XX/XX/XXXX Open-Credit Memo indicates borrower qualified with X property exits as experienced borrower. REO schedule and property detail reports confirm X of X property exits. Please provide property detail report for XX XXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to the following pages which contain three property profiles that support experience: Page XXX - XXXXX; page XXX - XXXXXXXXX; page XXX - XXXXXXX - Seller-XX/XX/XXXX |
Resolved-Borrower experience confirmed per property detail reports. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8377904 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232379 | Closed | 2026-03-30 00:01 | 2026-04-15 03:48 | Resolved | 1 - Information | C | A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | Resolved-provided bank statements is combined /joint account, where other than borrower is the member of Entity, No lox Required, Hence Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per guidelines, nothing is required when the other party on the bank statement is an individual. - Seller-XX/XX/XXXX Open-Letter for non-borrower, non guarantor listed on bank statements/assets not found in file for authorized use. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per guidelines, nothing is required when the other party on the bank statement is an individual. - Seller-XX/XX/XXXX |
Resolved-provided bank statements is combined /joint account, where other than borrower is the member of Entity, No lox Required, Hence Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8377971 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10214917 | Closed | 2026-06-02 11:59 | 2026-06-03 08:03 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Lender Initiated | 9507320 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10214917 | Closed | 2026-06-02 11:59 | 2026-06-03 08:03 | Resolved | 1 - Information | C | A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-XX/XX/XXXX Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Lender Initiated | 9507321 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10214938 | Closed | 2026-03-25 04:41 | 2026-04-08 13:58 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-The client acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Confirmed this is BPL DSCR loan. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8306123 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10214938 | Closed | 2026-03-25 05:39 | 2026-04-07 04:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Cash-out from Borrower other property HUD statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cash out from borrower's other transaction has been used for liquidity purpose. HUD uploaded. - Seller-XX/XX/XXXX Open-Qualifying Total Reserves Number of Months <X. Provide additional assets for reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cash out from borrower's other transaction has been used for liquidity purpose. HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Cash-out from Borrower other property HUD statement provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX (X).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8307473 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10214950 | Closed | 2026-03-25 07:08 | 2026-04-01 03:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested Hazard Insurance provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-Hazard Insurance policy is missing in Loan file, Need hazard insurance document to verify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX |
Resolved-Requested Hazard Insurance provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX (XX).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8308168 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10214968 | Closed | 2026-03-26 01:50 | 2026-04-08 13:47 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The client has acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XX State only allow Prepayment Penalty for Loans Signed by Corporation - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client has acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8327698 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10214992 | Closed | 2026-03-24 23:57 | 2026-03-25 22:38 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The buyer acknowledged the issue with the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XX Prepayment Penalty updated as per the guidelines, rescinded. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The buyer acknowledged the issue with the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XX Prepayment Penalty updated as per the guidelines, rescinded. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8304532 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10215004 | Closed | 2026-03-24 07:08 | 2026-04-08 13:59 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The client acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8283786 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10215005 | Closed | 2026-03-24 15:23 | 2026-04-08 10:43 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Additional coverage provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see updated EOI - Seller-XX/XX/XXXX Counter-$XX,XXX coverage amount does not meet guideline requirement of XX months of rents loss or XX% of dwelling coverage. Please provide documentation to support the coverage amount within guidelines requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached EOI Line Rental Value. Total amount provided $XX,XXX - Seller-XX/XX/XXXX Counter-EOI on page XXX of the loan file does not reflect as actual loss sustained. The limit of $XX,XXX does not meet the XX months requirement or XX% of coverage A on the EOI. Please provide documentation to support sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see updated EOI, coverage is set $XX,XXX is for XX months ALS. - Seller-XX/XX/XXXX Open-Hazard dec page in file on page XXX does not reflect XX months of rent loss coverage. Please provide updated documentation to support XX months coverage per Lender Guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see updated EOI - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached EOI Line Rental Value. Total amount provided $XX,XXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see updated EOI, coverage is set $XX,XXX is for XX months ALS. - Seller-XX/XX/XXXX |
Resolved-Additional coverage provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXXXX.XXX XXXXXXXX - XXX XXXX XXX (X).XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8297737 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232844 | Closed | 2026-03-30 03:32 | 2026-03-30 21:05 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8379123 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10232793 | Closed | 2026-03-30 05:59 | 2026-04-02 12:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Loan Approval on pages XXX-XXX indicates the UW addressed and made an exception for the loan amount below the GL amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Loan Approval on pages XXX-XXX indicates the UW addressed and made an exception for the loan amount below the GL amount of $XX,XXX. Comp factors below. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Loan Approval on pages XXX-XXX indicates the UW addressed and made an exception for the loan amount below the GL amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Loan Approval on pages XXX-XXX indicates the UW addressed and made an exception for the loan amount below the GL amount of $XX,XXX. Comp factors below. - Due Diligence Vendor-XX/XX/XXXX |
765 Representative credit score exceeds the minimum required of 660 by 105 points. 75% LTV is below the maximum 80% LTV by 5%. $399,595 reserves exceed the minimum required of $3,047 exceeds the minimum by 131 months over the required minimum (4 months required, 514.01 months provided). DSCR ratio of 1.411 exceeds the minimum requirement of 1 by 0.411 points. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8379977 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 10232793 | Closed | 2026-03-30 05:17 | 2026-04-01 15:43 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per MCL XXX.XXx(X)(x), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8379645 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10232490 | Closed | 2026-03-30 03:29 | 2026-04-20 17:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Credit memo on page XXX has exception for low loan amount, comp factors apply. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains section XX of the Credit Memo and in the Exception Details sub-section it reflects an approved exception for loan amount less than $XX,XXX - Seller-XX/XX/XXXX Open-Audited Loan Amount is less than XXXXXXXXX Minimum Loan Amount Subject property amount is $XXXXX. As per guideline minimum amount is $XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains section XX of the Credit Memo and in the Exception Details sub-section it reflects an approved exception for loan amount less than $XX,XXX - Seller-XX/XX/XXXX |
Waived-Credit memo on page XXX has exception for low loan amount, comp factors apply. - Due Diligence Vendor-XX/XX/XXXX |
75% LTV is below the maximum 80% LTV by 5%. 728 Representative credit score exceeds the minimum required of 660 by 68 points DSCR ratio of 1.58 exceeds the minimum requirement of 1 by 0.58 points. |
XXXX | Investment | Refinance | Cash Out - Other | 8379114 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | XXXX | 10232422 | Closed | 2026-03-30 05:03 | 2026-04-08 21:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-ID provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Type Missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-ID provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8379555 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232709 | Closed | 2026-03-30 09:21 | 2026-04-03 05:03 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Notice of Special Flood Hazards Disclosure is Missing | Resolved-Requested Signed SFHN provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower signature and date is missing on provided disclosure. Provide Notice of Special Flood Hazards Disclosure with signature and date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Signed SFHN provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX XXXXXX XX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8382313 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10323453 | Closed | 2026-04-06 11:13 | 2026-04-07 16:18 | Resolved | 1 - Information | C | A | Credit | Credit | Missing self-employment income documentation | Resolved-Received updated income worksheet and XXXX updated XXXX, employment page and worksheet - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Buyer-XX/XX/XXXX Counter-The bank statements being used for the borrower's income has deposits in the amount of X,XXX that is not being excluded from the income These should be excluded as it is rental income, - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We did not use any rental income on the rental property; borrower is qualified with the entire PITIA, without rental income. - Buyer-XX/XX/XXXX Open-On bank statements for borrower X shows income being included in business income for rent as well. X/X shows amount of X,XXX for rent that is not being deducted from the borrower's business income. XX/X in amount of X,XXX as well. In September there are two deposits of X,XXX that is also being included in the business income. This is rental income and should be included in borrower's income. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received updated income worksheet and XXXX updated XXXX, employment page and worksheet - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXXXX XXXXXX XXXXXXX XXXXXX XXXXXXXX XXXXXXXXX.XXX XXXXXXXXXX XXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX XXXX XXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 8500419 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10323453 | Closed | 2026-04-02 09:37 | 2026-04-07 08:22 | Resolved | 1 - Information | C | A | Compliance | Mavent | HigherPriced: APR | Open-You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (X) termination of the underlying debt obligation or (X) FIVE years after consummation if the unpaid principal balance is less than XX% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (XX CFR XXXX.XX(x)) Non escrowed account Escrow of property insurance required on first lien This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XX for the copy of the disclosure. TThis loan is HPML compliant and is HPML compliant loan guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see pg XXX of the original package and attached. Both HOI and property tax were escrowed and collected at closing - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8451328 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10323453 | Closed | 2026-04-02 09:37 | 2026-04-06 11:21 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(x)(X)(x)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. This loan is HPML compliant and is HPML compliant loan guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(x)(X)(x)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(x)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XX and copy of the appraisal was given to the borrower – see Pg #XXX for the copy of the disclosure. This loan is HPML compliant and is HPML compliant loan guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 8451326 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10210122 | Closed | 2026-04-02 03:03 | 2026-04-08 11:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception approved for XX% LTV on Rural Property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% Property is in Rural area, as per guidelines updated as XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Approval - Seller-XX/XX/XXXX |
Waived-Exception approved for XX% LTV on Rural Property. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | 1. 23.91% DTI is below the maximum 50% DTI by 26.09%. 2. 784 Representative credit score exceeds the minimum required of 660 by 124 points |
XXXX | Primary Residence | Purchase | NA | 8444212 | Originator Post-Close | Yes | |
| XXXX | XXXX | XXXX | 10210122 | Closed | 2026-04-02 02:26 | 2026-04-08 06:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated third party fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX Open-Provide Third Party Fraud report document with uncleared alerts as it is is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX |
Resolved-Updated third party fraud report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 8444023 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232427 | Closed | 2026-04-08 06:15 | 2026-04-23 08:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The Settlement Statements attached are the Seller Statements. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Purchase | Cash Out - Other | 8543372 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232427 | Closed | 2026-04-08 05:37 | 2026-04-09 17:17 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per XXX XXX.XXx(X)(X), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Per XXX XXX.XXx(X)(X), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | Cash Out - Other | 8540349 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10232414 | Closed | 2026-04-08 09:07 | 2026-04-14 04:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-A copy of the commitment is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX.XXX | XXXX | Investment | Purchase | NA | 8546643 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232712 | Closed | 2026-04-08 04:21 | 2026-04-10 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Requested Third party market rent Source provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/X XX - Uploading XXXXXXXXXX Report for market rents. - Seller-XX/XX/XXXX Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/X XX - Uploading XXXXXXXXXX Report for market rents. - Seller-XX/XX/XXXX |
Resolved-Requested Third party market rent Source provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8539849 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229168 | Closed | 2026-04-11 11:35 | 2026-04-24 09:56 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Resolved. Borrower provided Final Settlement Statement reflecting funds from sale of $XXX,XXX.XX; sufficient to meet asset requirements. In addition, borrower provided entity documents reflecting ownership interest. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded XXX with cash out to borrower. - Seller-XX/XX/XXXX Counter-Please provide the source of funds for the receipt of $XX,XXX.XX, borrower has total qualified assets of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Final XXXX XXX that shows borrower coming in with $X,XXX. Qualified assets total $XX,XXX.XX is sufficient enough for liquidity. - Seller-XX/XX/XXXX Open-The total assets required to meet reserve requirements are $XX,XXX.XX and cash to close requirements of $XX,XXX.XX, while the available qualified assets total $XX,XXX.XX, resulting in an asset shortfall of $XX,XXX.XX. Provide documentation verifying the additional funds that will be used to cover this shortage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded XXX with cash out to borrower. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Final XXXX XXX that shows borrower coming in with $X,XXX. Qualified assets total $XX,XXX.XX is sufficient enough for liquidity. - Seller-XX/XX/XXXX |
Resolved-Resolved. Borrower provided Final Settlement Statement reflecting funds from sale of $XXX,XXX.XX; sufficient to meet asset requirements. In addition, borrower provided entity documents reflecting ownership interest. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX XXXXXXXXXXX & XXXXXXXXXX XXX - XXXXXX XXXX.XXX XXXXXX.XXXXXX-XXXXX XX XXXX XXXX XXX XX $XXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8609668 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229168 | Closed | 2026-04-11 10:48 | 2026-04-21 08:58 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Documentation provided reflecting coverage based on the actual loss sustained. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see letter from carrier regarding Loss of Rent - Seller-XX/XX/XXXX Counter-Thank you. I have revised the dwelling coverage accordingly based on the cost of new value of $XXX,XXX. Based on the annual rental income of $XX,XXX, the current loss of rents reflected on the policy is $XX,XXX. Please provide updated amount for X year rental income amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard insurance reflects dwelling coverage on policy in the amount of $XXX,XX which is less than the loan amount of $XXX,XXX. Policy mentions (XXXXXX Cost Incl Ord), but does not provide the amount of extended coverage. No Replacement Cost Estimator (XXX) or equivalent valuation is included in the file to support coverage amount. Unable to verify compliance with lender insurance requirements. In addition, the Rent Loss Coverage of $XX,XXX does not meet the required XX month rental amount of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see letter from carrier regarding Loss of Rent - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved. Documentation provided reflecting coverage based on the actual loss sustained. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXX X.XX.XXX XXXX XXXXXX.XXX XXXXXXXX XXXXXX XXXXXX.XXX XXXXXXXX XXXX XXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8609659 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229245 | Closed | 2026-04-09 13:38 | 2026-04-14 10:08 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Proof of XX month loss reflected on declarations page - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Proposal that states coverage is up to XX months. - Seller-XX/XX/XXXX Open-Hazard dec page in file reflects a rent loss coverage amount of $XX,XXX is less than the XX month requirement per Lender Guidelines. Please provide documentation to support the XX month requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached - Proposal that states coverage is up to XX months. - Seller-XX/XX/XXXX |
Resolved-Proof of XX month loss reflected on declarations page - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXX XXXX XXX XXXXX - XXXX X XXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8580271 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229253 | Closed | 2026-04-10 06:35 | 2026-04-15 05:29 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Dwelling amount of $X,XXX,XXX is covering replacement cost provided in appraisal document on page #XXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per our guidelines if loan amount is higher than the Apprasail cost of new, borrower must carry XXX% of cost of new shown on the appraisail, as that is the full XXX value of property. The coverage is compliant per our guidelines. Scenario X of the XXX calculation value for insurance. - Seller-XX/XX/XXXX Open-Dwelling coverage on policy in the amount of $X,XXX,XXX is less than the loan amount of $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per our guidelines if loan amount is higher than the Apprasail cost of new, borrower must carry XXX% of cost of new shown on the appraisail, as that is the full XXX value of property. The coverage is compliant per our guidelines. Scenario X of the XXX calculation value for insurance. - Seller-XX/XX/XXXX |
Resolved-Dwelling amount of $X,XXX,XXX is covering replacement cost provided in appraisal document on page #XXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX XXXXXX.XXX XXXXXXXXXXX_XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8590886 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229270 | Closed | 2026-04-08 06:01 | 2026-04-08 14:49 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. XXX is acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. XXX is acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8540913 | Originator Pre-Close | No | ||||
| XXXX | XXXX | XXXX | 10229271 | Closed | 2026-04-08 03:25 | 2026-04-24 12:04 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The client has acknowledge the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. Per outside counsel guidance, Business Purpose Loans prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client has acknowledge the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8539542 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10229273 | Closed | 2026-04-09 20:56 | 2026-04-17 09:54 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Resolved. XXXX Exterior Only Report provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exterior Only XXXXXXXXX uploaded. - Seller-XX/XX/XXXX Open-Second XXXXXXXXX/ Valuation is Missing Required for Securitizations Subject loan is a refinance cash-out transaction with an LTV >= XX%. Missing required Second Evaluation to be Full XXXXXXXXX or Exterior Only XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exterior Only XXXXXXXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. XXXX Exterior Only Report provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8586491 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229273 | Closed | 2026-04-09 21:39 | 2026-04-13 10:44 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Resolved. Documentation provided (additional documentation in Findings). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of borrower's ownership to the entity doc uploaded. - Seller-XX/XX/XXXX Open-Per the guidelines on page XX, the Operating Agreement of the ownership entity detailing ownership and access to available funds must be verified for the provided asset statements. The file is missing the Operating Agreement for XXXX XXXXX & XXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof of borrower's ownership to the entity doc uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. Documentation provided (additional documentation in Findings). - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXX XXXXX & XXXXXXX XXX - XXXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8586630 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229277 | Closed | 2026-04-09 19:33 | 2026-04-28 11:16 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Operating Agreement XXXX XX XXXXXXXX, XXX shows XXXXX XXXXXX XXX% Member. XXXXX XXXXXX is partial Member XXXX XXXXXX XXXXXXXXXX and XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue . Page XXX Quitclaim Deed from XXXX XX XXXXXXXX, XXX to XXXX XXXXXX XXXXXXXXXX and XXXXXXXXXX XXX. Missing Operating Agreement XXXX XX XXXXXXXX, XXX with Borrower/Guarantor as Member. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Uploaded. - Seller-XX/XX/XXXX |
Resolved-Operating Agreement XXXX XX XXXXXXXX, XXX shows XXXXX XXXXXX XXX% Member. XXXXX XXXXXX is partial Member XXXX XXXXXX XXXXXXXXXX and XXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XX_XXXX XX XXXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8586061 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229279 | Closed | 2026-04-08 14:12 | 2026-04-22 10:25 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Resolved. XXXX Exterior Report provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exterior Only XXXXXXXXX uploaded. - Seller-XX/XX/XXXX Open-Second XXXXXXXXX/ Valuation is Missing Required for Securitizations Missing required field review for refinance transaction with LTV =or> than XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exterior Only XXXXXXXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. XXXX Exterior Report provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX-XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8554629 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229279 | Closed | 2026-04-08 14:16 | 2026-04-13 10:46 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Resolved. Document provided reflecting ownership interest. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Resolved. Document provided showing ownership interest. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA for XXXX XXXXXXXXXXX XXX uploaded. - Seller-XX/XX/XXXX Open-Per the guidelines on page XX, the Operating Agreement of the ownership entity detailing ownership and access to available funds must be verified for the provided asset statements. The file is missing the Operating Agreement for XXXX XXXXXXXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA for XXXX XXXXXXXXXXX XXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved. Document provided reflecting ownership interest. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8554702 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229284 | Closed | 2026-04-08 01:10 | 2026-04-22 09:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Documentation to support purchase price of $XXX,XXX received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-There is an assignment fee of $XX,XXX in the HUD line item #XXXX, contract amount of $XXX,XXX + $XXXXX = $XXX,XXX. - Seller-XX/XX/XXXX Counter-Final signed HUD in file also shows a sale price of $XXX,XXX. Please provide the final HUD with correct sale price. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Uploaded purchase contract with assignment fee, the final purchase price is $XXX,XXX. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV As Guideline Requirement Maximum LTV is XX% where as Calculated LTV is XX.XX%. ( Sales Price As appraisal $ XXX,XXX Where as HUD and Sales contract $ XXX,XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-There is an assignment fee of $XX,XXX in the HUD line item #XXXX, contract amount of $XXX,XXX + $XXXXX = $XXX,XXX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Uploaded purchase contract with assignment fee, the final purchase price is $XXX,XXX. - Seller-XX/XX/XXXX |
Resolved-Documentation to support purchase price of $XXX,XXX received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXX XXXX XXX XXXXXXXXX.XX-XX XXXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 8538636 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229284 | Closed | 2026-04-08 13:23 | 2026-04-13 08:49 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender agrees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the calculated mothly rental amount of $X,XXX. Agreed to the changes in the DSCR value. Calculated DSCR is X.XX and is within tolerance. - Seller-XX/XX/XXXX Open-Audited DSCR is out of tolerance with origination. Using the lower values between the leases and the market rents provided in the loan file results in a rental amount of $XXXX which results in a ratio out of tolerance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the calculated mothly rental amount of $X,XXX. Agreed to the changes in the DSCR value. Calculated DSCR is X.XX and is within tolerance. - Seller-XX/XX/XXXX |
Resolved-Lender agrees - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8553583 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10229284 | Closed | 2026-04-08 00:48 | 2026-04-10 09:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title Commitment uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing Required Tittle document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title Commitment uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 8538547 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10229284 | Closed | 2026-04-08 01:11 | 2026-04-10 02:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Requested Photo Id provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DL of both the borrowers uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Photo Identification for borrower is missing from the loan file. Please provide - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DL of both the borrowers uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Photo Id provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XX.XXXXX.XXX XX.XXXXX.XXX XX.XXXXX.XXX |
XXXX | Investment | Purchase | NA | 8538638 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232499 | Closed | 2026-04-16 02:28 | 2026-04-27 16:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXXXXXXX unable to be updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Information on XXXXXXXXXX is generated by third party sources and cannot be changed. Most likely, the residency is outdated and has changed as evidenced by the visa in file. - Seller-XX/XX/XXXX Open-Third Party Fraud Report Partially Provided As per Loan application borrower is Non Permanent resident alien But fraud report PG#XXX says borrower is Permanent resident. Please Provide updated fraud report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - XX - RESCIND FINDING PLEASE - Information on XXXXXXXXXX is generated by third party sources and cannot be changed. Most likely, the residency is outdated and has changed as evidenced by the visa in file. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXXXXXXX unable to be updated. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8696385 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10232499 | Closed | 2026-04-16 00:06 | 2026-04-24 06:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation CU provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation report missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Secondary Valuation CU provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXX XXXXXXXXX XXX .XXX | XXXX | Investment | Purchase | NA | 8695202 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10232499 | Closed | 2026-04-16 00:48 | 2026-04-22 10:04 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Approved credit exception for loan amount less than guideline minimum of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the Credit Memo that reflects an approved exception for loan amount - Seller-XX/XX/XXXX Open-Audited Loan Amount is less than Guideline Minimum Loan Amount As per guideline, loan amount minimum value is $XX,XXX but audited loan amount is $XX,XXX. No exception noted per Credit Memo. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Please refer to page XXX which contains the Credit Memo that reflects an approved exception for loan amount - Seller-XX/XX/XXXX |
Waived-Approved credit exception for loan amount less than guideline minimum of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX |
721 Representative credit score exceeds the minimum required of 660 by 61 points $40,330 reserves exceed the minimum required of $3,915 exceeds the minimum by 10 months over the required minimum. DSCR ratio of 1.64 exceeds the minimum requirement of 0.8 by 0.84 points. |
XXXX | Investment | Purchase | NA | 8695332 | Originator Post-Close | No | ||
| XXXX | XXXX | XXXX | 10259143 | Closed | 2026-04-17 07:31 | 2026-04-22 08:41 | Resolved | 1 - Information | A | A | Data Edit | Data Edit | Initial Loan Signature Date is in the Future | Resolved-CREDIT REPORT RECEIVED - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Initial Originator Signature Date of 'XX-XX-XXXX' is after the Transaction Date of 'XX-XX-XXXX'. Credit report is dated XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-CREDIT REPORT RECEIVED - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | CREDIT REPORT RECEIVED | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8730699 | N/A | N/A | |
| XXXX | XXXX | XXXX | 10259143 | Closed | 2026-04-17 07:31 | 2026-04-22 08:41 | Resolved | 1 - Information | A | A | Data Edit | Data Edit | Date Creditor Received Application is in the Future | Resolved-Credit report received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Date Creditor Received Application (XX-XX-XXXX) is greater than the Transaction Date of XX-XX-XXXX Credit report is dated XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Credit report received - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | Credit report received | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8730698 | N/A | N/A | |
| XXXX | XXXX | XXXX | 10259143 | Closed | 2026-04-17 07:36 | 2026-04-22 08:36 | Resolved | A | A | Data Edit | Data Edit | Application Date On or after Note Date | Resolved-Application Date is prior to Note Date - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Application uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Application Date XX-XX-XXXX is the same as or after Note Date XX-XX-XXXX Credit report is dated XX-XX-XXXX which is after the Note date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Application uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Application Date is prior to Note Date - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX XXXXXX.XXXXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8730815 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10259143 | Closed | 2026-04-17 07:23 | 2026-04-22 08:32 | Resolved | A | A | Data Edit | Data Edit | Credit Report Date is after the Note Date Borrower 1 | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Note Date of XX-XX-XXXX is before Borrower X Credit Report Date, or Borrower X Gap Credit Report Date. Credit Report Date is XX-XX-XXXX and Gap Credit Report Date is null Please Review Credit Dates. Credit report is dated XX/XX/XXXX which is after the note date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8730562 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10259147 | Closed | 2026-04-20 01:24 | 2026-04-28 08:24 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) XXXX Completion report dated X/XX/XXXX uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX document uploaded. - Seller-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) Review Product X second Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX document uploaded. - Seller-XX/XX/XXXX |
Resolved-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) XXXX Completion report dated X/XX/XXXX uploaded. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXX(X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 8756638 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259149 | Closed | 2026-04-17 12:30 | 2026-05-14 11:16 | Resolved | 1 - Information | D | A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Document Uploaded. The documentation received was sufficient to resolve the finding. Updated Appraisal - Due Diligence Vendor-XX/XX/XXXX Counter-The documentation received was for the subject property; however, the transaction is an investment and the field review reflects the property as owner occupied. The appraisal does not support the occupancy of the transaction. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation report uploaded. - Seller-XX/XX/XXXX Open-LTV is above XX% and XXXX Exterior is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation report uploaded. - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. The documentation received was sufficient to resolve the finding. Updated Appraisal - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXX XXXXXX (X).XXX XX XXXXXXX XXXXXX (X)_XXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8739863 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259149 | Closed | 2026-04-17 02:52 | 2026-04-23 03:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets of HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD from another deal where cash to borrower is $XXXXX.XX. - Seller-XX/XX/XXXX Open-The guideline section XX/XX/XXXX Post-Closing Reserves for Refinance with lease in place requires Xmonths of PITIA in reserves. The file contained verified assets totally $XXXXX.XX ( Bank of Xxxxxxx XxXXXXX XX/XX/XXXX $XXXXX.XX and insurance, Tax and P&I reserves of $XXXXX.XX. The PITIA $XXXX.XX ($XXXX.XX*X = $XXXXX.XX) cash to close is $XXXXX.XX short by $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded HUD from another deal where cash to borrower is $XXXXX.XX. - Seller-XX/XX/XXXX |
Resolved-Additional assets of HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX -XXX XXXXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8722926 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259170 | Closed | 2026-04-17 03:57 | 2026-04-17 15:54 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8723508 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10259177 | Closed | 2026-04-17 07:24 | 2026-05-01 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-Property tax amount confirmed per appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Tax value of $XXXX was sourced using the appraisal. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Provide Evidence of property tax certificate for annual amount $X,XXX. Evidence of property tax certificate missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Tax value of $XXXX was sourced using the appraisal. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-Property tax amount confirmed per appraisal - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8730578 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10259189 | Closed | 2026-04-20 05:19 | 2026-04-23 03:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated credit report provided with FICO scores. Max LTV is now XX% per updated FICO. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. As per the guidelines, a maximum XX% LTV is applicable for borrowers with a qualifying FICO score of XXX or higher. In this case the FICO of the borrower is XXX so please clear this exception. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV As per guidelines LTV should be XX% audited LTV is XX% Exceeds Guidelines LTV - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. As per the guidelines, a maximum XX% LTV is applicable for borrowers with a qualifying FICO score of XXX or higher. In this case the FICO of the borrower is XXX so please clear this exception. - Seller-XX/XX/XXXX |
Resolved-Updated credit report provided with FICO scores. Max LTV is now XX% per updated FICO. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8758157 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259189 | Closed | 2026-04-20 13:08 | 2026-04-22 11:39 | Resolved | 1 - Information | A | A | Data Edit | Data Edit | Date Creditor Received Application is in the Future | Resolved-Original credit report provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Date Creditor Received Application (XX-XX-XXXX) is greater than the Transaction Date of XX-XX-XXXX Credit report date is after disbursement date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Original credit report provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8774231 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259189 | Closed | 2026-04-20 13:08 | 2026-04-22 11:36 | Resolved | 1 - Information | A | A | Data Edit | Data Edit | Initial Loan Signature Date is in the Future | Resolved-Original credit report provided dated prior to note date. Updated credit page showing original date and gap report date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Initial Originator Signature Date of 'XX-XX-XXXX' is after the Transaction Date of 'XX-XX-XXXX'. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Original credit report provided dated prior to note date. Updated credit page showing original date and gap report date. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8774232 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259189 | Closed | 2026-04-20 13:49 | 2026-04-22 11:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Documentation from county shows taxes $XXX.XX and title shows $XXX.XX. Going with $XXX.XX. Collected reserves were incorrect. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax Cert uploaded. - Seller-XX/XX/XXXX Open-Title shows property tax as $XXX.XX but collected reserves was $XX.XX per month which would make the annual taxes $XXX.XX. Provide verification of what property taxes are. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax Cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Documentation from county shows taxes $XXX.XX and title shows $XXX.XX. Going with $XXX.XX. Collected reserves were incorrect. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XXX XXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8774981 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259191 | Closed | 2026-04-21 05:58 | 2026-04-22 10:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested closing document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. HUD or settlement statement is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested closing document Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX.XXX | XXXX | Investment | Purchase | NA | 8790042 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259191 | Closed | 2026-04-22 10:54 | 2026-04-22 11:02 | Resolved | A | A | Data Edit | Data Edit | Liquid Funds Post-Close is less than $0 | Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXXXXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX Open-Liquid fund post close is less than X Short on funds to close and reserves - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXXXXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8818484 | N/A | N/A | |||||
| XXXX | XXXX | XXXX | 10259204 | Closed | 2026-04-21 08:41 | 2026-04-23 03:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets of HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD from another deal with cash due to borrower which covers enough liquidity. - Seller-XX/XX/XXXX Open-Borrower has funds in checking account of $X,XXX.XX. There are HUD reserves in the amount of $X,XXX.XX. Total assets is $X,XXX.XX. There is a requirement of X months reserves which totals $XX,XXX.XX. The loan is short reserves in the amount of $X,XXX.XX Please provide additional asset documentation to support funds that were required at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded HUD from another deal with cash due to borrower which covers enough liquidity. - Seller-XX/XX/XXXX |
Resolved-Additional assets of HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8792437 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259215 | Closed | 2026-04-21 07:15 | 2026-04-28 03:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested updated final HUD-X provided by updating section XXXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised Final HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide updated HUDX or Settlement statement as the one on page #XXX shows $X,XXX.XX for mortgage insurance under section XXXX, however, this amount pertains to P&I reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated final HUD-X provided by updating section XXXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8790905 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259215 | Closed | 2026-04-22 12:15 | 2026-04-23 10:27 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Certificate of Formation for Xxxxx Xxxxxxxxxxx XXX, Borrower Member/Manager. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Certificate of Formation for Xxxxx Xxxxxxxxxxx XXX. - Seller-XX/XX/XXXX Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation Borrower Member of Xxxxx Xxxxxxxxxxx XXX, the Account Holder XXXX xxXXXX for funds required to close and post close reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded Certificate of Formation for Xxxxx Xxxxxxxxxxx XXX. - Seller-XX/XX/XXXX |
Resolved-Certificate of Formation for Xxxxx Xxxxxxxxxxx XXX, Borrower Member/Manager. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXXXXXXXXXX.XXXXX.XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8820885 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259264 | Closed | 2026-04-22 18:11 | 2026-04-30 15:46 | Resolved | 1 - Information | C | A | Credit | Credit | Missing condo documentation. | Resolved-The appraiser indicated the unit is warrantable due to the answers to the HOA questions. The appraiser inquired with the HOA management that there is no litigation. Further, the lender guaranteed the condo is warrantable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a very strong borrower with XXX FICO that is mitigated with very strong liquidity and DSCR over X.XX. - Seller-XX/XX/XXXX Counter-Missing source documentation Condominium Project is Warrantable or an Exception Approval for Non-Warrantable Condominium. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Condo Warrantability document. - Seller-XX/XX/XXXX Open-Page XXX Condominium Project Questionnaire shows Condominium Non-Warrantable. Guidelines Page X only Warrantable Condominiums are Eligible. Please provide documentation Condominium Project is Warrantable or Exception Approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is a very strong borrower with XXX FICO that is mitigated with very strong liquidity and DSCR over X.XX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded Condo Warrantability document. - Seller-XX/XX/XXXX |
Resolved-The appraiser indicated the unit is warrantable due to the answers to the HOA questions. The appraiser inquired with the HOA management that there is no litigation. Further, the lender guaranteed the condo is warrantable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX XXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8829165 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259154 | Closed | 2026-04-20 16:11 | 2026-04-24 11:58 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Documentation Borrower Agent/Member XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXX to verify Subject property(s) Ownership history. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded proof of ownership by borrower for XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX, XXX. - Seller-XX/XX/XXXX Open-Property Title Issue Missing documentation Borrower Member XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXX to verify chain of title/ownership. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded proof of ownership by borrower for XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX, XXX. - Seller-XX/XX/XXXX |
Resolved-Documentation Borrower Agent/Member XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXX to verify Subject property(s) Ownership history. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX, XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8778739 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259193 | Closed | 2026-04-20 05:15 | 2026-05-12 14:17 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-The client acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-The client acknowledged the XX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 8758136 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10259193 | Closed | 2026-04-21 14:46 | 2026-04-22 08:10 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-The Credit Report from application was received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. The Note Date is X/XX/XXXX, but the Credit Report date is also X/XX/XXXX. The file is missing a credit report from application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-The Credit Report from application was received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXX.XXX | XXXX | Investment | Purchase | NA | 8802364 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10259226 | Closed | 2026-04-22 14:39 | 2026-05-20 07:36 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-Additional Valuations for all properties have now been received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded for "X XXXX XXXX". - Seller-XX/XX/XXXX Counter-XXXX Appraisal received for XXX XXXXXXX XXX. However, one is still missing for X XXXX XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded for "XXX XXXXXXX XXX". - Seller-XX/XX/XXXX Open-Loan file does not contain additional valuation Loan is a Cash Out with an XXX of XX%. There is a XXXX Exterior Appraisal in file for XXX XXXXXXX XX. However, the file is missing a XXXX Exterior Appraisal / Field Review for the other two properties: XXX XXXXXXX XXX & X XXXX XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation uploaded for "X XXXX XXXX". - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded for "XXX XXXXXXX XXX". - Seller-XX/XX/XXXX |
Resolved-Additional Valuations for all properties have now been received. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXX.XXX X XXXX XX(X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 8823741 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10267281 | Closed | 2026-04-27 08:01 | 2026-04-29 22:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXX Credit exception for loan amount under $XX,XXX with compensating factors found on Credit Memo - Due Diligence Vendor-XX/XX/XXXX | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXX Credit exception for loan amount under $XX,XXX with compensating factors found on Credit Memo - Due Diligence Vendor-XX/XX/XXXX |
65% LTV is below the maximum 80% LTV by 15%. $50,026 reserves exceed the minimum required of $6,271 exceeds the minimum by 69 months over the required minimum. DSCR ratio of 2.264 exceeds the minimum requirement of 1 by 1.264 points. |
XXXX | Investment | Refinance | Cash Out - Other | 8887645 | Originator Post-Close | No | |||
| XXXX | XXXX | XXXX | 10267281 | Closed | 2026-04-27 06:00 | 2026-04-29 21:47 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | PA Prepayment Penalty Prohibited | Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per XX XX. XXXX. XXX § XXX, XXX prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 8886454 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10256059 | Closed | 2026-04-29 13:24 | 2026-05-15 08:53 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Documentation provided shows borrower is XXX%owner of XXX XXXX and has access to funds. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Assets are in business name. Provide documentation that shows ownership of XXX XXXX XXX to confirm borrower has access to these funds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Documentation provided shows borrower is XXX%owner of XXX XXXX and has access to funds. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX XXXX XXXXXX.XXX XXX XXX XXXX XXXXXX.XXX XXX XXXX XX XXXXXXXXXX XXXXXXXXX - XXX.XXX XXX XXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8953906 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10256059 | Closed | 2026-04-27 08:45 | 2026-05-07 12:58 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Provide the operating agreement that shows ownership of the company, an active Secretary of State statement, and an IRS EIN statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-attached - Buyer-XX/XX/XXXX Counter-Provide the operating agreement that shows ownership of the company, an active Secretary of State statement, and an IRS EIN statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Provide Entity Formation Documents. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
_X XXXX XXXXXXXXXX (X).XXX XX XXXXX XXX.XXX XXXXX_XXXXXXX-XXXXXXX_XXXX XX XXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8888326 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10256059 | Closed | 2026-04-27 08:45 | 2026-05-07 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty agreement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Guaranty agreement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
_X XXXX XXXXXXXXXX (X).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8888327 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10233107 | Closed | 2026-05-13 09:50 | 2026-05-14 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Background and credit report uploaded - Buyer-XX/XX/XXXX Open-Missing Third Party Fraud Report Guidelines states a background check or fraud screen from Alias, or another comparable provider is required for all Guarantors, Principals, and borrowing entities formed >XX days before origination. Alias or comparable report is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXX XXXXXX XXXXXX - XXXXXXX XXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9172651 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10285703 | Closed | 2026-05-06 09:18 | 2026-05-19 10:55 | Resolved | 1 - Information | B | A | Credit | Credit | Assets requirement other than reserves not met | Resolved-Uploaded verifies X+ months post close reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional liquidity uploaded. - Seller-XX/XX/XXXX Counter-Uploaded is HUD-X from XXXX for Subject Property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD from another deal. Purchased property as of XXXX XX, XXXX, Debt Payoff Amount: $XX,XXX - OOR: XXXXXXXX XXXXXXXX XXX, Cashout: $X,XXX - Seller-XX/XX/XXXX Open-As per guideline total qualifying reserves are X months, but the available reserves shows only X months. Please provide additional documentation to verify post close reserves or Exception Approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional liquidity uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD from another deal. Purchased property as of XXXX XX, XXXX, Debt Payoff Amount: $XX,XXX - OOR: XXXXXXXX XXXXXXXX XXX, Cashout: $X,XXX - Seller-XX/XX/XXXX |
Resolved-Uploaded verifies X+ months post close reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX (XXX) XXXXXXXX XXXXXXXXXXXX XXXXXXX – XXXXXXX XXX XXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9061841 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285704 | Closed | 2026-05-05 06:34 | 2026-05-20 08:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached file showing coverage placed - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached file showing coverage placed - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX - XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9039656 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285704 | Closed | 2026-05-05 06:34 | 2026-05-20 08:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The property's Replacement Cost (RC) is established at $XXX,XXX based on the appraisal, which matches the current coverage carried. Under our guidelines, if a loan amount exceeds the RC, the borrower is required to maintain coverage equal to the full replacement cost (Total Cost of New). Please note that legally, lenders cannot require a borrower to insure a property for the full loan amount if it exceeds the RC. Doing so is considered over-insurance. Because insurance is designed strictly as a reimbursement tool for financial loss—not a mechanism for profit—an insurance provider will never pay out more than the actual cost to rebuild the home. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The property's Replacement Cost (RC) is established at $XXX,XXX based on the appraisal, which matches the current coverage carried. Under our guidelines, if a loan amount exceeds the RC, the borrower is required to maintain coverage equal to the full replacement cost (Total Cost of New). Please note that legally, lenders cannot require a borrower to insure a property for the full loan amount if it exceeds the RC. Doing so is considered over-insurance. Because insurance is designed strictly as a reimbursement tool for financial loss—not a mechanism for profit—an insurance provider will never pay out more than the actual cost to rebuild the home. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX (XX).XXX XXXXXXXXXX XXXX XXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9039657 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285712 | Closed | 2026-05-05 03:50 | 2026-05-15 10:35 | Resolved | 1 - Information | C | A | Property | Data | Property State does not meet eligibility requirement(s) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Roc is now licensed to fund in XX, please see attached. - Seller-XX/XX/XXXX Open-Property State does not meet eligibility requirement(s) As per guidelines INELIGIBLE STATES XX, XX, XX, XX, XX. Hence Guidelines does not meet. Exception needed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Roc is now licensed to fund in XX, please see attached. - Seller-XX/XX/XXXX |
XXXXXXXXXX XX XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9037354 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10285716 | Closed | 2026-05-05 08:35 | 2026-05-19 11:54 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Proof of actual loss coverage provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. Loss of rent is provided on Actual Loss Sustained. It does not list the amount, because is based on loss of rent reported at the time of loss. Coverage is compliant. - Seller-XX/XX/XXXX Open-Rent-Loss Coverage is not reflecting in Hazard Insurance document. Please provide documentation to support sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. Loss of rent is provided on Actual Loss Sustained. It does not list the amount, because is based on loss of rent reported at the time of loss. Coverage is compliant. - Seller-XX/XX/XXXX |
Resolved-Proof of actual loss coverage provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXXXX XXXXX, XXX. XXXXXX.XXX X-X-XX XXX XXXXX XXXXX XXXXX XXX XXXXXXX XXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9041066 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285735 | Closed | 2026-05-07 19:03 | 2026-06-05 11:55 | Resolved | 1 - Information | C | A | Property | Property | Secondary Valuation not within Tolerance | Resolved-XXXX Exterior Report (As Is) provided by new appraiser. (Value within tolerance). Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised secondary uploaded. - Seller-XX/XX/XXXX Open-The XXXX ARV of $XXX,XXX exceeds the allowable -XX% variance tolerance compared to the XXXX and Desk Review values of $XXX,XXX. Per XXXXXX XXXXXX and ROC agreement, the loan must be underwritten using the lower XXXX value. At this value, the LTV increases to XXX.X%, exceeding program limits. The loan is ineligible under current requirements. When the variance exceeds the permitted - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised secondary uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX Exterior Report (As Is) provided by new appraiser. (Value within tolerance). Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX X XXXXXXX XX_XXXXXXX (X) (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9095918 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285736 | Closed | 2026-05-05 14:54 | 2026-05-13 08:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Lease agreement uploaded. - Seller-XX/XX/XXXX Open-Based on appraisal property is occupied with a tenant and lease is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Lease agreement uploaded. - Seller-XX/XX/XXXX |
Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX XXXXXXX XXXXXX XXXXX XXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9050137 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285737 | Closed | 2026-05-05 17:49 | 2026-05-18 09:05 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved-Receipts for the $X,XXX security deposit provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uplaoded. - Seller-XX/XX/XXXX Open-A new lease agreement is in the file. Provide proof of receipt of $X,XXX security deposit from the new tenant to the borrower/management company, per lender guideline requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uplaoded. - Seller-XX/XX/XXXX |
Resolved-Receipts for the $X,XXX security deposit provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX _ X.X. XXXX (X).XXX XXXXX XX XXXXXXX XX X XXXXXX XXXXXX XXXXXX XX XXXXXXXX XXXXXXX XXX XXX XXXXXX (XXXX X) (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9053864 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285741 | Closed | 2026-05-07 23:38 | 2026-05-19 11:42 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Update Hazard Insurance document provided reflects Loss of Rents (Actual Loss Sustained). Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see copy of quote, coverage provided is Actual Loss Sustained, It does not require to be listed as a dollar value because Loss settlement is based at the time of loss based on actual submitted losses. Coverage is compliant. - Seller-XX/XX/XXXX Open-Hazard insurance declaration from XXXXX XXXX Insurance provided does not contain Rent-Loss Coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see copy of quote, coverage provided is Actual Loss Sustained, It does not require to be listed as a dollar value because Loss settlement is based at the time of loss based on actual submitted losses. Coverage is compliant. - Seller-XX/XX/XXXX |
Resolved-Update Hazard Insurance document provided reflects Loss of Rents (Actual Loss Sustained). Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXX XXX XXXXX_XXX XXXXXXXXXX_XXXXXXXXX.XXX XXX_XXX XXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9097295 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285741 | Closed | 2026-05-06 00:28 | 2026-05-13 09:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Fully, executed Deed of Trust provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Deed of Trust uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Deed of Trust is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Deed of Trust uploaded. - Seller-XX/XX/XXXX |
Resolved-Fully, executed Deed of Trust provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9056455 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285741 | Closed | 2026-05-06 00:41 | 2026-05-13 02:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Guaranty doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Commercial Gauranty uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Commercial Gauranty uploaded. - Seller-XX/XX/XXXX |
Resolved-Guaranty doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9056504 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285741 | Closed | 2026-05-07 23:38 | 2026-05-12 09:41 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Application Missing | Resolved-Application provided and information updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Application uploaded. - Seller-XX/XX/XXXX Open-Provide missing application. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Application uploaded. - Seller-XX/XX/XXXX |
Resolved-Application provided and information updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9097297 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285747 | Closed | 2026-05-05 13:38 | 2026-05-14 10:23 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Operating Agreement uploaded. - Seller-XX/XX/XXXX Open-Operating Agreement on page XXX has no business name or dates within the document. Please provide operating agreement for XXXXX LLC. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Operating Agreement uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9048340 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285747 | Closed | 2026-05-04 05:45 | 2026-05-13 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Evidence of Property Tax cert is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXXXXXX.XXX XXXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 9017134 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285747 | Closed | 2026-05-05 13:03 | 2026-05-13 11:42 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-EIN documentation provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. EIN provided by IRS uploaded. - Seller-XX/XX/XXXX Open-Please provide Business Entity EIN documentation from IRS. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. EIN provided by IRS uploaded. - Seller-XX/XX/XXXX |
Resolved-EIN documentation provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Purchase | NA | 9047558 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285750 | Closed | 2026-05-06 07:17 | 2026-05-19 05:48 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimator Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached RCE - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount Is $XXX,XXX which is less than Required Coverage Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached RCE - Seller-XX/XX/XXXX |
Resolved-Replacement Cost Estimator Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9060521 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285754 | Closed | 2026-05-06 03:44 | 2026-05-21 10:25 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-XXXXXX XXXXXXX is aware of the finding. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Subject State is XX, loan is signed by LLC - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XXXXXX XXXXXXX is aware of the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9057812 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10285769 | Closed | 2026-05-07 07:39 | 2026-05-12 02:36 | Resolved | 1 - Information | C | A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-Requested Articles of org provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Articles uploaded. - Seller-XX/XX/XXXX Open-Articles of organization is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Articles uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Articles of org provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXX XXXXXXX XXX XXX.XXX | XXXX | Investment | Purchase | NA | 9080861 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285782 | Closed | 2026-05-05 06:44 | 2026-05-12 12:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Green card uploaded. - Seller-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower X Citizenship Identification Documentation Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Green card uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XX - XXXXX XXXX - XXXXX.XXX | XXXX | Investment | Purchase | NA | 9039763 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285794 | Closed | 2026-05-06 00:22 | 2026-05-21 11:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The documentation received was sufficient to resolve the finding. Evidence of the transfer of the assets. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Copy of transfer uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD from cashout deal of the borrower. Cash to borrower is mentioned as "File to File transfer for e#XXXXXXXXXXXXXX to XXXXXXXXXXX" XX,XXX.XX which covers the required liquidity. - Seller-XX/XX/XXXX Open-Total verified assets of $XX,XXX.XX with X-months history. X-months PITIA ($XX,XXX.XX) plus cash to close ($XXX,XXX.XX) is $XXX,XXX.XX. Total assets short $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Copy of transfer uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD from cashout deal of the borrower. Cash to borrower is mentioned as "File to File transfer for e#XXXXXXXXXXXXXX to XXXXXXXXXXX" XX,XXX.XX which covers the required liquidity. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Evidence of the transfer of the assets. - Due Diligence Vendor-XX/XX/XXXX |
XXX (X).XXX XXXXXXXXXXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 9056433 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285816 | Closed | 2026-05-07 07:44 | 2026-05-14 08:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved- LTV can be XX% if Qualifying FICO >=XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. For a Cahout deal, LTV can be XX% if Qualifying FICO >=XXX. Uploaded Credit report of borrower with FICO of XXX. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Audited LTV XX% Exceeds Guideline LTV XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. For a Cahout deal, LTV can be XX% if Qualifying FICO >=XXX. Uploaded Credit report of borrower with FICO of XXX. - Seller-XX/XX/XXXX |
Resolved- LTV can be XX% if Qualifying FICO >=XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | LTV can be 75% if Qualifying FICO >=700. | XXXX | Investment | Refinance | Cash Out - Other | 9080917 | N/A | N/A | |
| XXXX | XXXX | XXXX | 10285818 | Closed | 2026-05-05 02:53 | 2026-05-18 03:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Requested tax cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Annual Tax:- $X,XXX (Property was Tax exempt earlier. As per Tax doc from Title Search:- Assessed value $XXX,XXX , Tax Rate:- X.XXX%) - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax search is provided on Pg #XXX but we are unable to verify tax amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Annual Tax:- $X,XXX (Property was Tax exempt earlier. As per Tax doc from Title Search:- Assessed value $XXX,XXX , Tax Rate:- X.XXX%) - Seller-XX/XX/XXXX |
Resolved-Requested tax cert provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXX.XX XXXXX XXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9036996 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285820 | Closed | 2026-05-07 03:06 | 2026-05-27 10:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets and operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Statements uploaded. - Seller-XX/XX/XXXX Counter-These assets are not in our borrowers name. No documents in the loan for XXX X-XX XXXXX or XXXXX XXXXXX or the trust itself. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX Open-Verified assets include $X,XXX.XX in checking and $X,XXX.XX in HUD reserves, for total eligible assets of $XX,XXX.XX. Per GL, the loan requires X months of reserves totaling $XX,XXX.XX.The loan is short reserves in the amount of $X,XXX.XX. Provide additional asset documentation to meet minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Statements uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Additional statements uploaded. - Seller-XX/XX/XXXX |
Resolved-Additional assets and operating agreement provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXXXXXXXX-XXXX-.XXX XXXXXXXX-XXXXXXXXXX-XXXX-.XXX XX XXXXXX XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9076932 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285820 | Closed | 2026-05-11 11:43 | 2026-05-21 11:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated tax amount which resulted in different DSCR calculation. See comment below agreeing tax amount was incorrect. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax cert uploaded, agree to the change in the tax value and cchanges to the DSCR. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Reserves collected were $XXXX but document provided does not match $XX,XXX annual taxes. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax cert uploaded, agree to the change in the tax value and cchanges to the DSCR. - Seller-XX/XX/XXXX |
Resolved-Updated tax amount which resulted in different DSCR calculation. See comment below agreeing tax amount was incorrect. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX_XX (X) (X).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9131068 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10285724 | Closed | 2026-05-06 19:56 | 2026-05-29 09:36 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Waived-No lease for X XXXXX XXXXX XX X XXXX XXXXXXXX X XXXX XXXXXXXX XXXXXX - Due Diligence Vendor-XX/XX/XXXX Counter-We can waive with compensating factors below Need the signed exception XX.X% LTV is below the maximum XX% LTV by XX.X%. DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. XXX Representative credit score exceeds the minimum required of XXX by XX points - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Can we clear this using the below compensating factors. * Low LTV below XX% * High DSCR * Strong FICO over XXX * Strong liquidity of well over XX months of PITIA. - Seller-XX/XX/XXXX Counter-If no lease will need exception for not having the lease - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Proof of rent uploaded. - Seller-XX/XX/XXXX Counter-document provided is not sufficient proof rent received, not on letter head. please provide print out from the rent system or lease agreements and/or addendums or bank stmts with rental deposits - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of rets uploaded. - Seller-XX/XX/XXXX Open-Missing the leases for the following properties X XXXXX XXXXX XX X XXXX XXXXXXXX X XXXX XXXXXXXX XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Can we clear this using the below compensating factors. * Low LTV below XX% * High DSCR * Strong FICO over XXX * Strong liquidity of well over XX months of PITIA. - Seller-XX/XX/XXXX Ready for Review-Proof of rent uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of rets uploaded. - Seller-XX/XX/XXXX |
Waived-No lease for X XXXXX XXXXX XX X XXXX XXXXXXXX X XXXX XXXXXXXX XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX XXXXXXX XX XXXXXX XXXXXX XXX XXXX XXXXXX X XXXXXX.XX XXXXX XXXXXX.XXX | 48.8% LTV is below the maximum 75% LTV by 26.2% DSCR ratio of 1.614 exceeds the minimum requirement of 1 by 0.614 points. 738 Representative credit score exceeds the minimum required of 660 by 78 points |
XXXX | Investment | Refinance | Cash Out - Other | 9074132 | Originator Post-Close | No | |
| XXXX | XXXX | XXXX | 10285765 | Closed | 2026-05-07 06:11 | 2026-05-15 12:43 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraiser's license is expired/deficient | Resolved-Appraiser License Revoked Effective X/X/XXXX. Appraisals completed were prior to this date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraiser's license was revoked on XXXXX,X,XXXX which is after our appraisal date XX/XX/XXXX. - Seller-XX/XX/XXXX Open-Per ASC.gov, the XXXX appraiser's license has expiration date as XX-XX-XXXX , however the status shows Inactive. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraiser's license was revoked on XXXXX,X,XXXX which is after our appraisal date XX/XX/XXXX. - Seller-XX/XX/XXXX |
Resolved-Appraiser License Revoked Effective X/X/XXXX. Appraisals completed were prior to this date. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9079348 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10291269 | Closed | 2026-05-13 11:42 | 2026-05-14 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided explanation on coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Per the u/w of the file: In terms of the Hazard Insurance Policy, this is a blanket policy covering multiple properties which is marked within the coverage information, so coverage is not assigned or scheduled on a per-property basis. Instead, the policy provides a single aggregate limit that is shared across all insured locations. The $XXXMM represents the total program limit available for any covered loss, and access to that limit is allocated based on loss occurrence rather than a fixed distribution to each individual property with Rent Loss covering Actual loss Sustained of XX months. - Buyer-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided The insurance policy is for multiple properties. Lender provided a split of the premium for each property, but also need the coverage amount for the subject property only as the policy lumps it as one for all the properties. Missing the coverage amount for just the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided explanation on coverage. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9176368 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10291269 | Closed | 2026-05-13 11:08 | 2026-05-13 16:25 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Lender provided operating agreement for XXXXXX - XXX XXXXXXXXX XXXXX, XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded - Buyer-XX/XX/XXXX Open-Per guidelines dated X/X/XX, all loans must have full recourse guaranties by at least XX% of the owners. Missing operating agreement for XXXXXX - XXX XXXXXXXXX XXXXX, XXX to confirm % of ownership. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided operating agreement for XXXXXX - XXX XXXXXXXXX XXXXX, XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX-XXX XXXXXXXXX XXXXX, XXX - XXXXXXXXX XXXXXXXXX (XXXXXX) XXXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9175484 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10293973 | Closed | 2026-05-11 12:35 | 2026-06-25 18:11 | Resolved | 1 - Information | D | A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-The documentation received was sufficient to resolve the finding. Exterior only appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded - Seller-XX/XX/XXXX Open-Field review is required for single family residence with an LTV at or above XX%. Please provide the field review for the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation uploaded - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Exterior only appraisal - Due Diligence Vendor-XX/XX/XXXX |
XX-XXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9132419 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10293973 | Closed | 2026-05-11 12:16 | 2026-05-29 10:35 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-HUD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD with revised disbursement date uploaded. - Seller-XX/XX/XXXX Open-Disbursement date reflected on the ALTA Statement is prior to the settlement statement date. Please provided documentation to support disbursement at or after closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD with revised disbursement date uploaded. - Seller-XX/XX/XXXX |
Resolved-HUD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9131841 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10293973 | Closed | 2026-05-08 05:57 | 2026-05-19 23:36 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Provided EOI showing loss of rent at $XX,XXX which is the total collateral annual rent. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached EOI showing loss of rent at $XX,XXX which is the total colleteral annual rent reported. - Seller-XX/XX/XXXX Open-Loss of rent coverage is not sufficient. As per guideline, XX months of rent loss is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached EOI showing loss of rent at $XX,XXX which is the total colleteral annual rent reported. - Seller-XX/XX/XXXX |
Resolved-Provided EOI showing loss of rent at $XX,XXX which is the total collateral annual rent. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXX-XXX-XXXXXX-XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9101699 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10293981 | Closed | 2026-05-08 03:09 | 2026-05-11 14:51 | Acknowledged | 2 - Non-Material | B | B | Compliance | Compliance | XXXX PPP Term can not be Hard | Acknowledged-Prepayment Penalty Type Can not be Hard for this State. LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Prepayment Penalty Type Can not be Hard for this State. LLC acceptable per Lender - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9098588 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10293983 | Closed | 2026-05-07 23:45 | 2026-06-11 12:34 | Acknowledged | 2 - Non-Material | B | B | Compliance | Compliance | XXXX PPP Term can not be Hard | Acknowledged-Had compliance review and was told we could acknowledge. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Opening condition for review - Due Diligence Vendor-XX/XX/XXXX Open-Prepayment Penalty Type Can not be Hard for this State. Updated Prepayment Penalty Type as Hard. Per guideline Prepayment Penalty is X% per note PG# XXX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Had compliance review and was told we could acknowledge. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Opening condition for review - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9097305 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10293986 | Closed | 2026-05-08 08:12 | 2026-06-10 13:01 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXXXXX XXXXXXX are aware of the finding - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. No state specific Guidelines For XX State Prepayment Updated as per Note doc Pg XXX - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XXXXXX XXXXXXX are aware of the finding - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9102965 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10294002 | Closed | 2026-05-08 04:18 | 2026-06-10 12:49 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-We have been told this is allowed. - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Subject file is in - XX PREPAYMENT PENALTY PROHIBITED AREA - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-We have been told this is allowed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9099059 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10294025 | Closed | 2026-05-13 11:32 | 2026-05-19 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard insurance declaration page, for the subject loan property, with dwelling coverage and rent loss coverage provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Declaration page provided is for another property address. The Binder policy number on page XXX, matches the Invoice on page XXX. The address on page XXX is for the subject loan property. Provide Insurance Binder with dwelling coverage and rent-loss coverage for the subject loan property at XX XXXXXX XXXX XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard insurance declaration page, for the subject loan property, with dwelling coverage and rent loss coverage provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX (XX).XXX XX XXXXXX XXXX XX XX-XXXXXXXXX-XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9176102 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10294035 | Closed | 2026-05-11 03:31 | 2026-05-29 03:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-ALTA-Settlement Statement Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Unable to locate the final settlement statement in the file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-ALTA-Settlement Statement Provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9122428 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10294041 | Closed | 2026-05-11 05:50 | 2026-05-20 12:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Title Policy uploaded. - Seller-XX/XX/XXXX Open-Title Document is Incomplete Please provide updated tile documentation as the one in file doesn't show policy date or effective date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Title Policy uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is Provided And Complete - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9123132 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10294059 | Closed | 2026-05-11 03:19 | 2026-05-25 23:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-XX state will not get Notary date which is acceptable hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Notary date is present within the stamp at last page. - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete Notary date is missing on DOT. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Notary date is present within the stamp at last page. - Seller-XX/XX/XXXX |
Resolved-XX state will not get Notary date which is acceptable hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9122304 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10293977 | Closed | 2026-05-12 00:05 | 2026-05-12 12:31 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. New XXXXXX Prepayment Penalty Prohibited. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. New XXXXXX Prepayment Penalty Prohibited. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9144558 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10294009 | Closed | 2026-05-11 13:40 | 2026-06-17 15:01 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Resolved-The documentation received was sufficient to resolve the finding. Second appraisal - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation for XXX XXXX uploaded. - Seller-XX/XX/XXXX Counter-X additional valuations provided. The Xth property (XXXX) is still missing the additional valuation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation documents uploaded. - Seller-XX/XX/XXXX Open-Loan file does not contain additional valuation Loan is a Cash Out transaction with an LTV of XX%, and it is a cross-collateral loan with X properties. The file is missing a XXXX/FieldReview for each of the X properties. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation for XXX XXXX uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation documents uploaded. - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Resolved-The documentation received was sufficient to resolve the finding. Second appraisal - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXX.XXX XXX XXXXX XXX.XXX XXX XXXXXX XX.XXX XXXX XXXXXXXX XX.XXX XXX_XXXX_XX.XXX XXX_XXXX_XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9133578 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10294009 | Closed | 2026-05-20 07:48 | 2026-06-10 07:50 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Desk Reviews for the X missing properties have been received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Appraisal Desk Review documents for XXX XXXX XX & XXX XXXXXX XX has been uploaded. - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Required for Securitizations Properties at XXXXXX XX & XXXX XX are missing the Appraisal Desk Reviews. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Appraisal Desk Review documents for XXX XXXX XX & XXX XXXXXX XX has been uploaded. - Seller-XX/XX/XXXX |
Resolved-Desk Reviews for the X missing properties have been received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX XXXX XXXXXX (XXX) XX XXXXXXXXXX XXXXXXX XXXXXXXX (XXX).XXX XXXXXX XX.XXX XXXXXX.XXXXXXXXX XXXX XXXXXX (XXX) XX XXXXXXXXXX XXXXXXX XXXXXXXX (XXX).XXX XXXX XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9294802 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10294037 | Closed | 2026-05-13 11:53 | 2026-06-04 13:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Uploaded HUD-X amended Cash to Borrower, property tax and hazard insurance Debt Service/Escrow. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised HUD with all the information uploaded. - Seller-XX/XX/XXXX Counter-Subject Transaction does not have Mortgage Insurance. Debt Service/Escrow Correctly shows PI as $XX,XXX.XX. However required Property Tax X months $X,XXX.XX, Hazard Insurance X months $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD. Mortgage Insurance mentioned in line item XXXX. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Settlement Statement should show Debt Service/Escrow PI $X,XXX.XX X X = $XX,XXX.XX, Property Tax $X,XXX.XX x X = $X,XXX.XX, Hazard Insurance $XXX.XX x X = $XXX.XX. Transaction does not have Mortgage Insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised HUD with all the information uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded HUD. Mortgage Insurance mentioned in line item XXXX. - Seller-XX/XX/XXXX |
Resolved-Uploaded HUD-X amended Cash to Borrower, property tax and hazard insurance Debt Service/Escrow. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX XXX XXXXXXXXXX XXXXXXXXX - XXXXXXX-XX (X) (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9177084 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10294037 | Closed | 2026-05-11 00:53 | 2026-05-13 11:00 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. New XXXXXX Prepayment Penalty Prohibited. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. New XXXXXX Prepayment Penalty Prohibited. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9121286 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10294069 | Closed | 2026-05-11 00:30 | 2026-09-01 13:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-The mortgage was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Deed of Trust uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Deed of Trust uploaded. - Seller-XX/XX/XXXX |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Resolved-The mortgage was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9120886 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315966 | Closed | 2026-05-27 13:03 | 2026-06-02 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Provide original credit report. The report in file is dated after the note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9402402 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315967 | Closed | 2026-05-27 06:02 | 2026-06-02 07:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested credit report for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Missing. Provided credit report date is XX/XX/XXXX which is after closing date of XX/XX/XXXX. Provide credit report that was prior to closing date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested credit report for BX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9391103 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315970 | Closed | 2026-05-27 13:53 | 2026-06-04 09:41 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document showing borrower's proof of ownership to XXXXXX XXXX XXX uploaded. - Seller-XX/XX/XXXX Open-Please provide Articles of Incorporation or comparable documents for XXXXXX XXXX XXXX XXX. The property is currently vested in this business. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document showing borrower's proof of ownership to XXXXXX XXXX XXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9403581 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315970 | Closed | 2026-05-27 14:14 | 2026-06-01 12:10 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded for XXXX XX. Rentals X XXX. - Seller-XX/XX/XXXX Open-Assets are in the business name XXXX XX. Rentals X XXX. Provide the operating agreement for this business to show our borrower has access to these funds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA uploaded for XXXX XX. Rentals X XXX. - Seller-XX/XX/XXXX |
XXXXXX.XXXX XX XXXXXXX X XXX - XXXXXXXXX XXXXXXXXX X.X.XX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9404179 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10315985 | Closed | 2026-06-03 08:32 | 2026-06-18 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Driver's License with a matching name was received. System updated. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Driver's License uploaded with a matching name. - Due Diligence Vendor-XX/XX/XXXX Open-The last name reflected on the Permanent Resident Card for Guarantor does not match the last name on the loan application and loan documentation. Guarantor must provide a written letter of explanation along with supporting legal documentation evidencing the name change. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Driver's License with a matching name was received. System updated. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX.XXXXX (XXX).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9525586 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10315985 | Closed | 2026-06-02 18:59 | 2026-06-17 15:39 | Resolved | 1 - Information | C | A | Credit | Credit | Missing subject rental income documentation | Resolved-Rent Receipt was provided stating it was paid in cash. Bank Deposit is N/A. The rent receipt is acceptable in this instance. - Due Diligence Vendor-XX/XX/XXXX Counter-Per lender guidelines on page XX, a lease with a start date (XX/XX/XXXX) within XX days of closing date (XX/XX/XXXX) requires proof of receipt of security deposit verified by a bank deposit statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of rent payment uploaded. - Seller-XX/XX/XXXX Open-Per lender guidelines, a lease with a start date (XX/XX/XXXX) within XX days of closing date (XX/XX/XXXX) requires proof of receipt of security deposit. Provide proof of receipt of $X,XXX.XX security deposit, per the lease agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof of rent payment uploaded. - Seller-XX/XX/XXXX |
Resolved-Rent Receipt was provided stating it was paid in cash. Bank Deposit is N/A. The rent receipt is acceptable in this instance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX (XX).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9518627 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315985 | Closed | 2026-06-02 17:37 | 2026-06-16 09:51 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HUD/Closing Statement not signed by Borrower or Title Agent | Resolved-Originator states, the Final Settlement Statement does not contain a designated signature line for the Settlement/Title Agent. The Settlement/Title Agent’s signature is not a mandatory requirement on this document. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Final Settlement Statement does not contain a designated signature line for the Settlement/Title Agent. The Settlement/Title Agent’s signature is not a mandatory requirement on this document. - Seller-XX/XX/XXXX Open-Missing the signature of the Settlement/Title Agent on the Final Settlement Statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The Final Settlement Statement does not contain a designated signature line for the Settlement/Title Agent. The Settlement/Title Agent’s signature is not a mandatory requirement on this document. - Seller-XX/XX/XXXX |
Resolved-Originator states, the Final Settlement Statement does not contain a designated signature line for the Settlement/Title Agent. The Settlement/Title Agent’s signature is not a mandatory requirement on this document. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9516867 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10315986 | Closed | 2026-05-27 04:48 | 2026-06-02 23:28 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Requested rent loss amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- Rent-Loss Coverage is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested rent loss amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX X XXXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9388845 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315987 | Closed | 2026-05-28 02:25 | 2026-06-03 07:27 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Appraisal Total Estimate of Cost-New (RCE) - Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Based on the apprasail the borrower is carrying higher than XXX% RCE cost shown. Per our requirements if the loan amount is higher than Cost of new shown in the appraisail. Borrower must carry XXX% of total cost of new shown in the appraisail. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Loan amount is $XXXXXX and Hazard Insurance Coverage Amount is $XXXXXX less than required coverage amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Based on the apprasail the borrower is carrying higher than XXX% RCE cost shown. Per our requirements if the loan amount is higher than Cost of new shown in the appraisail. Borrower must carry XXX% of total cost of new shown in the appraisail. - Seller-XX/XX/XXXX |
Resolved-Appraisal Total Estimate of Cost-New (RCE) - Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX XXXXXX.XXX XXX_XXXX XXXXXXX XXX - XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9414739 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315990 | Closed | 2026-05-27 16:11 | 2026-06-02 08:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Note Date of XX-XX-XXXX is before Borrower X Credit Report Date is XX-XX-XXXX. Credit report needed prior to close. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9407340 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315992 | Closed | 2026-05-27 17:22 | 2026-06-02 10:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Photo ID for both the borrowers uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Photo ID for both the borrowers uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XX.XXXXX.XXX XX.XXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9408796 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315992 | Closed | 2026-05-27 17:10 | 2026-06-01 12:14 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded for XXXXX XXXXXX XXX. - Seller-XX/XX/XXXX Open-Assets are in the business name XXXXX XXXXXX XXX but no business documents provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA uploaded for XXXXX XXXXXX XXX. - Seller-XX/XX/XXXX |
XXXXXX.XXXXX XXXXXXX XXX - XXXXXXXXX XXXXXXXXX .XXX | XXXX | Investment | Refinance | Cash Out - Other | 9408636 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10315998 | Closed | 2026-05-27 01:36 | 2026-06-15 08:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Originator agreed with discrepancy of of calculated tax amount. DSCR difference will be posted in Data Compare. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the audited tax value of $XXX.XX, please post the XXXX difference as a data discrepancy to XX - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax amount per tax cert page #XXX-XXX is $XXX.XX (or $X,XXX.XX annually). However final settlement statement shows monthly tax as $XXX.XX ( $XXX.XX / X months). provide proof of tax document validating this $XXX.XX tax amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the audited tax value of $XXX.XX, please post the XXXX difference as a data discrepancy to XX - Seller-XX/XX/XXXX |
Resolved-Originator agreed with discrepancy of of calculated tax amount. DSCR difference will be posted in Data Compare. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9387358 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10316006 | Closed | 2026-05-28 18:14 | 2026-06-17 09:56 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Proof of receipt of $X,XXX security deposit and first month's rent provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Proof receipt of $X,XXX security deposit and first month's rent provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of security deposit uploaded. - Seller-XX/XX/XXXX Open-Per lender guidelines, a lease with a start date (XX/XX/XXXX) within XX days of closing date (XX/XX/XXXX) requires proof of receipt of security deposit. Provide proof of receipt of $X,XXX.XX security deposit, per the lease agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof of security deposit uploaded. - Seller-XX/XX/XXXX |
Resolved-Proof of receipt of $X,XXX security deposit and first month's rent provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXXX_XXXX_X.X_XXXXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9436867 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316006 | Closed | 2026-05-28 17:00 | 2026-06-17 09:54 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Secondary valuation, XXXX Exterior Report, provided and entered on Property screen. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Required for Securitizations Second Appraisal/ Valuation required for cash out refinances of XX% LTV or greater for Securitizations is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX |
Resolved-Secondary valuation, XXXX Exterior Report, provided and entered on Property screen. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXXX XXXX XXXX XXXXXX .XXX | XXXX | Investment | Refinance | Cash Out - Other | 9435101 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316012 | Closed | 2026-05-28 16:25 | 2026-06-10 10:58 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-See page XXX. Transferred ownership from XXXX XX to homes XXX XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA for XXXX XX Properties uploaded. - Seller-XX/XX/XXXX Open-Please provide Articles of Incorporation or comparable documents for XXXX XX Properties. The property is currently vested in this company but no documents provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA for XXXX XX Properties uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-See page XXX. Transferred ownership from XXXX XX to homes XXX XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX -XXXX XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9434104 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316012 | Closed | 2026-05-28 02:51 | 2026-06-09 09:44 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per Appraisal file the total replacement cost of property is $XXX,XXX. Per our guidelines if loan amount is higher than the RC value property. Borrower must carry XXX% of RC value shown in the appraisail. This file is compliant. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX, require documentation to verify - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per Appraisal file the total replacement cost of property is $XXX,XXX. Per our guidelines if loan amount is higher than the RC value property. Borrower must carry XXX% of RC value shown in the appraisail. This file is compliant. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9414972 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316012 | Closed | 2026-05-28 16:34 | 2026-06-01 12:18 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded for XXXXXX X X XXX. - Seller-XX/XX/XXXX Open-XXXXXXXXX account #XXXX are in the business name XXXXXX X X XXX. Provide business documents showing our borrower has access to these funds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA uploaded for XXXXXX X X XXX. - Seller-XX/XX/XXXX |
XXXXXX - XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9434424 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10316012 | Closed | 2026-05-28 16:31 | 2026-06-01 12:17 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded for XXXXXXXX XXX. - Seller-XX/XX/XXXX Open-XXXXXXXXX account #XXXX is in the business name XXXXXXXX XXX. Provide business documents showing our borrower has access to these funds. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA uploaded for XXXXXXXX XXX. - Seller-XX/XX/XXXX |
XXXXXXXX - XX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9434387 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10316013 | Closed | 2026-05-28 16:43 | 2026-06-24 08:22 | Resolved | 1 - Information | C | A | Credit | Credit | Reserve requirement was not met | Resolved-Bank statements received; finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank statements covering enough liquidity uploaded. - Seller-XX/XX/XXXX Open-Qualified months of reserves are less than required months of reserves. Business or borrower name bank statement needed to verify qualified number of months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank statements covering enough liquidity uploaded. - Seller-XX/XX/XXXX |
Resolved-Bank statements received; finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXX.XXX XXXXXX.XXXXXXXXXX.XXX XXXX XXXXXXXXX - XXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9434671 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316014 | Closed | 2026-05-28 01:15 | 2026-06-03 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax Cert uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax Cert is Missing supporting annual tax of $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax Cert uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX XXX XXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9414083 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316015 | Closed | 2026-05-28 17:17 | 2026-06-03 10:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Binder uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Missing policy information showing coverage. Binder on page XXX is for a different property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Binder uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9435639 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316018 | Closed | 2026-06-18 10:02 | 2026-06-25 08:15 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Per Guideline-Up to XX% of the Cash Out amount from the subject loan, where applicable, may be used to satisfy Minimum Liquidity requirements. XX% of cash out used to satisfy requirement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Bank statement uploaded that covers X months history, liquidity requirement is met from the cash out of the property. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements There is only X month bank statement for XXXXXXX XXXXX Credit Union #XXXX (dated X/XX/XXXX). Per guidelines: "All required funds must be evidenced by a minimum of Two (X) consecutive months of statements from XX financial institutions." File is missing an additional month statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Bank statement uploaded that covers X months history, liquidity requirement is met from the cash out of the property. - Seller-XX/XX/XXXX |
Resolved-Per Guideline-Up to XX% of the Cash Out amount from the subject loan, where applicable, may be used to satisfy Minimum Liquidity requirements. XX% of cash out used to satisfy requirement. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9817418 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316019 | Closed | 2026-05-29 12:11 | 2026-06-15 09:31 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Secondary valuation, XXXX Exterior Report, provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Required for Securitizations Second Appraisal/ Valuation required for cash out and RT refinances for SFR with XX% LTV or greater for Securitizations is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation uploaded. - Seller-XX/XX/XXXX |
Resolved-Secondary valuation, XXXX Exterior Report, provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX X XXXXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9454122 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316019 | Closed | 2026-05-29 12:27 | 2026-06-02 09:03 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Operating Agreement provided reflecting X% ownership interest in XXXXXX XXXXXXXX XXXXXXXXX, XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded for XXXXXX XXXXXXXX XXXXXXXXX, XXX. - Seller-XX/XX/XXXX Open-Ownership interest for the subject property from date of purchase, XX/XX/XXXX, to the date of closing, XX/XX/XXXX, reflects XXXXXX XXXXXXXX XXXXXXXXX, XXX. Provide all pages of the Operating Agreement for XXXXXX XXXXXXXX XXXXXXXXX XXX to verify ownership/member interest. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA uploaded for XXXXXX XXXXXXXX XXXXXXXXX, XXX. - Seller-XX/XX/XXXX |
Resolved-Operating Agreement provided reflecting X% ownership interest in XXXXXX XXXXXXXX XXXXXXXXX, XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9454528 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316028 | Closed | 2026-05-29 13:59 | 2026-06-01 07:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-There was another HUD in the file for the property. The Closing disclosure page was updated to reflect information on that form. This is a rate term transaction. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. As per the attached Final HUD, cash proceedings to borrower is $X,XXX.XX only which makes the loan a Rate Term refinance. Per guidelines, for Rate Term refinance loan LTV can XX% when Borrower's FICO is more than XXX. Please clear this exception. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Per the guidelines dated XX/XX/XXXX, any borrower proceeds exceeding $X,XXX are classified as a cash-out refinance. The HUD statement (page XXX) reflects that the borrower receives $X,XXX.XX at closing, meeting the threshold for a cash-out transaction. The loan was approved at an XX% LTV; however, per the same guidelines, the maximum allowable LTV is XX% for a cash-out refinance with a FICO score of XXX or greater. We were unable to locate any documented exception in the file to justify approving an LTV of XX%, which exceeds the guideline maximum of XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. As per the attached Final HUD, cash proceedings to borrower is $X,XXX.XX only which makes the loan a Rate Term refinance. Per guidelines, for Rate Term refinance loan LTV can XX% when Borrower's FICO is more than XXX. Please clear this exception. - Seller-XX/XX/XXXX |
Resolved-There was another HUD in the file for the property. The Closing disclosure page was updated to reflect information on that form. This is a rate term transaction. - Due Diligence Vendor-XX/XX/XXXX |
XXX.X.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9456788 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316028 | Closed | 2026-05-28 05:27 | 2026-06-01 07:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Entered funds from refinance of other property. Assets and reserves meet guideline requirements. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD uploaded from a different cashout deal of the same borrower which covers the required shortfall of liquidity. - Seller-XX/XX/XXXX Open-The most recent bank statement dated XX/XX/XXXX reflects an ending balance of $XXX.XX. Required reserves per the HUD are $X,XXX.XX, while the total assets available for reserves equal $X,XXX.XX. The borrower’s cash-out proceeds of $X,XXX.XX were applied at XX%, resulting in $X,XXX.XX being added toward reserves. This brings the total eligible reserves to $X,XXX.XX. The total required reserves are $X,XXX.XX, resulting in a shortage of $XXX.XX. The available reserves equate to X.XX months, which is below the required X months for refinance transactions per guidelines. Please provide additional asset statements dated prior to closing to support sufficient reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD uploaded from a different cashout deal of the same borrower which covers the required shortfall of liquidity. - Seller-XX/XX/XXXX |
Resolved-Entered funds from refinance of other property. Assets and reserves meet guideline requirements. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9416011 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316032 | Closed | 2026-05-28 03:54 | 2026-06-03 09:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Binder uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Binder uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9415435 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316037 | Closed | 2026-05-29 16:02 | 2026-06-24 12:11 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient subject rental income documentation. | Resolved-The documentation received was sufficient to resolve the finding. Proof of security deposit. - Due Diligence Vendor-XX/XX/XXXX Counter-Per lender guideline requirements, a lease with a start date (XX/XX/XXXX) within XX days of closing date (XX/XX/XXXX) with evidenced proof a security deposit: verified by a bank deposit statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Proof of security deposit uploaded. - Seller-XX/XX/XXXX Open-Per lender guideline requirements, a lease with a start date (XX/XX/XXXX) within XX days of closing date (XX/XX/XXXX) with evidenced proof a security deposit: verified by a bank deposit statement. Provide proof of receipt of $X,XXX.XX security deposit, per the lease agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Proof of security deposit uploaded. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. Proof of security deposit. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9459879 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316037 | Closed | 2026-05-29 17:16 | 2026-06-03 12:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Additional consecutive asset statement for acc XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. March month statement uploaded for acc XXXX. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per guideline requirements, Two (X) consecutive months of asset statements are required. Only X month statement is evidenced for the bank statement for the XXXX of XXXXXXX account ending in #XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. March month statement uploaded for acc XXXX. - Seller-XX/XX/XXXX |
Resolved-Additional consecutive asset statement for acc XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXX (X).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9462378 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316037 | Closed | 2026-05-29 17:16 | 2026-06-03 12:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Required consecutive month asset statement provided to meet lender requirements. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Feb month bank statement for the XXXXX XXXXX multi-accounts ending in #XXXX, #XXXX and #XXXX uploaded. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per guideline requirements, Two (X) consecutive months of asset statements are required. Only X month statement is evidenced for the bank statement for the XXXXX XXXXX multi-accounts ending in #XXXX, #XXXX and #XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Feb month bank statement for the XXXXX XXXXX multi-accounts ending in #XXXX, #XXXX and #XXXX uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Required consecutive month asset statement provided to meet lender requirements. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX XXXXX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9462379 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316037 | Closed | 2026-05-29 23:49 | 2026-06-03 12:18 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Revised insurance declaration page reflects dwelling coverage of $XXX,XXX and loss of rents of $XX,XXX. In addition, policy amount changed from $X,XXX.XX to $X,XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Based on the colleteral report total annual needed for rent is $XX,XXX and the borrower policy shows total annual as $XX,XXX. - Seller-XX/XX/XXXX Open-Business Rent Loss Coverage of $X,XXX on insurance declaration page is insufficient to meet program requirements. The required coverage must equal a minimum of XX months of gross rent income, which is based on the annual gross rent of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Based on the colleteral report total annual needed for rent is $XX,XXX and the borrower policy shows total annual as $XX,XXX. - Seller-XX/XX/XXXX |
Resolved-Revised insurance declaration page reflects dwelling coverage of $XXX,XXX and loss of rents of $XX,XXX. In addition, policy amount changed from $X,XXX.XX to $X,XXX.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXX XXXXXX XXXXXX XXXXXXX XXX.XXX XXXXXXXXXXX_XXXXXX.XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9466090 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316041 | Closed | 2026-05-28 00:14 | 2026-06-02 08:06 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested business formation documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Entity documents uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Operating agreement is missing for the business XXX XXX XXXXXXXXXXX XXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Entity documents uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested business formation documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XX XXX.XXX XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9413630 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316048 | Closed | 2026-05-28 04:12 | 2026-06-03 08:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated tax information. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Tax value is derived based on the appraisal document. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax We have Tax cert page no#XXX Which is not matching with what was used in the approval, we need updated tax cert document with $X,XXX Annually tax amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Tax value is derived based on the appraisal document. - Seller-XX/XX/XXXX |
Resolved-Updated tax information. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9415550 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10316051 | Closed | 2026-05-28 07:59 | 2026-06-01 12:40 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX are aware of the finding. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX are aware of the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9418392 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10316055 | Closed | 2026-05-31 12:56 | 2026-07-02 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-The complete Third Party Fraud Report was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Background report uploaded. - Seller-XX/XX/XXXX Open-Third Party Fraud Report Partially Provided The complete Fraud Report is missing from the file. The document provided is only Page X of XX. The rest of the document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Background report uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-The complete Third Party Fraud Report was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX.XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9469181 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316055 | Closed | 2026-05-31 13:05 | 2026-07-02 08:12 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-New XXXX XXXXXXXXX received as the additional valuation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Additional valuation report uploaded. - Seller-XX/XX/XXXX Open-Loan file does not contain additional valuation The loan is a Cash Out transaction on a X-X unit property with an LTV of XX%. The file is missing a Field Review appraisal. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Additional valuation report uploaded. - Seller-XX/XX/XXXX |
Resolved-New XXXX XXXXXXXXX received as the additional valuation. - Due Diligence Vendor-XX/XX/XXXX |
XXXX X XXXXXXXX XX(X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9469192 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316057 | Closed | 2026-05-28 04:01 | 2026-06-15 10:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of property tax amount used in DSCR calculation provided. Originator considered higher property tax amount per assessment of comparable properties for conservate DSCR calculation purposes. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Tax values uploaded. Higher tax value has been used for conservative DSCR calculation purposes. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Tax amount per tax cert page #XXX is $XXX.XX ( or $X,XXX.XX annually). However monthly taxes per final settlement statement is XXX.XX ( $XXX.XX / X months). Provide proof of document validating this $XXX.XX tax amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Tax values uploaded. Higher tax value has been used for conservative DSCR calculation purposes. - Seller-XX/XX/XXXX |
Resolved-Evidence of property tax amount used in DSCR calculation provided. Originator considered higher property tax amount per assessment of comparable properties for conservate DSCR calculation purposes. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9415476 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316059 | Closed | 2026-05-28 06:58 | 2026-06-05 02:16 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary desk valuation has been submitted. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary desk valuation has been submitted. - Seller-XX/XX/XXXX |
Resolved-Requested Secondary Valuation provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX XXXXXX (XXX) XX XXXXXXXXXX XXXXXXX XXXXXXXX (XXX).XXXXX XXXXXXX XXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9417465 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316066 | Closed | 2026-05-28 04:40 | 2026-06-01 14:38 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-XXXXXX XXXXXXX is aware. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Verified, Prepayment penalties are allowed per guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-XXXXXX XXXXXXX is aware. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Verified, Prepayment penalties are allowed per guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9415704 | Originator Pre-Close | No | ||||
| XXXX | XXXX | XXXX | 10316069 | Closed | 2026-05-28 03:15 | 2026-06-17 09:30 | Resolved | 1 - Information | C | A | Credit | Doc Issue | HOA Fee Difference | Resolved-XXX paid annually - $X,XXX, Lender confirmed Discrepancy in Findings - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Agreed to the calculated annual XXX fee of $X,XXX, agreed to the change in the DSCR, this can be posted as a Data discrepancy. - Seller-XX/XX/XXXX Open-XXX Fee difference exsits between validated XXX and documents On Appraisal report page:XX, XXX is given as monthly payment, but it is paid annually as per tape data. please confirm on this. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Agreed to the calculated annual XXX fee of $X,XXX, agreed to the change in the DSCR, this can be posted as a Data discrepancy. - Seller-XX/XX/XXXX |
Resolved-XXX paid annually - $X,XXX, Lender confirmed Discrepancy in Findings - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9415169 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10316069 | Closed | 2026-05-28 01:15 | 2026-06-01 14:29 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX are aware of the finding - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX are aware of the finding - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9414082 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10316070 | Closed | 2026-05-28 03:43 | 2026-06-01 14:28 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. LLC permitted per Lender - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. LLC permitted per Lender - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9415365 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10316072 | Closed | 2026-05-26 00:22 | 2026-06-17 04:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Required reserves are X months, reserves in file are XXX.XX hence no condition required for EMD proof, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Provided bank statements has sufficient liquidity hence proof of EMD is not required here - Seller-XX/XX/XXXX Open-Provide proof of document for EMD $X,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Provided bank statements has sufficient liquidity hence proof of EMD is not required here - Seller-XX/XX/XXXX |
Resolved-Required reserves are X months, reserves in file are XXX.XX hence no condition required for EMD proof, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXX.XXX XXXX XXXXXXXXX - XXX.XXX |
XXXX | Investment | Purchase | NA | 9362427 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316077 | Closed | 2026-05-29 03:43 | 2026-06-01 18:39 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX are aware of the finding. Acknowledged. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX are aware of the finding. Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9443107 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10316078 | Closed | 2026-05-29 08:22 | 2026-06-10 09:48 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Loss of use showing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached updated EOI. - Seller-XX/XX/XXXX Counter-The document named Collaterals_XXXXXX will not open up. The binder does not show any rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Based on the colleteral report the borrower is carrying gross up XX months of coverage. - Seller-XX/XX/XXXX Open-Missing Rent-Loss coverage on hazard insurance document. Required updated Hazard document/ Supporting document - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached updated EOI. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Based on the colleteral report the borrower is carrying gross up XX months of coverage. - Seller-XX/XX/XXXX |
Resolved-Loss of use showing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XXXXXX.XXXX XXX XX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9447919 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316078 | Closed | 2026-05-29 06:37 | 2026-06-01 16:08 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX is aware of condition. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. XXXXXX XXXXXXX is aware of condition. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9446215 | Originator Pre-Close | No | ||||
| XXXX | XXXX | XXXX | 10316081 | Closed | 2026-06-01 16:39 | 2026-06-18 12:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Commitment was provided. System updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Title commitment uploaded. - Seller-XX/XX/XXXX Counter- - Due Diligence Vendor-XX/XX/XXXX Open-Title Document is Incomplete Please provide the title commitment dated prior to closing. There is a Closing Protection Letter (CPL) in the file dated X/XX/XXXX that is prior closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Per guidelines, date of final policy should be on or after closing date. In this case, document is dated X/XX/XXXX which is after the closing date X/XX/XXXX. Please clear this exception. - Seller-XX/XX/XXXX Counter-The title report provided is dated X/XX/XXXX, which is after the closing date of X/XX/XXXX. Please provide the title that the reflects the date of closing of X/XX/XXXX or prior with sufficient coverage of the loan amount and all applicable signatures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final title policy uploaded. - Seller-XX/XX/XXXX Open-Title Document is Incomplete The title commitment in the file for the subject loan is not signed and on the required pages of the report. Please provide signed title commitment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Title commitment uploaded. - Seller-XX/XX/XXXX Ready for Review-Per guidelines, date of final policy should be on or after closing date. In this case, document is dated X/XX/XXXX which is after the closing date X/XX/XXXX. Please clear this exception. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Final title policy uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Commitment was provided. System updated. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXX.XXX XXXXX.XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9488112 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10316081 | Closed | 2026-05-29 05:28 | 2026-06-01 16:16 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9443857 | Originator Pre-Close | No | ||||
| XXXX | XXXX | XXXX | 10316083 | Closed | 2026-06-01 23:29 | 2026-06-18 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-Verified the lender used Gross Tax Amount ($XXXX.XX*X=X,XXX.XX) reflected on Tax Cert Bill (did not consider any exceptions or reductions). Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan was qualified with the Gross tax for a conservative DSCR, we did not considered exceptions/reductions. Gross tax = $XXXX.XX*X=X,XXX.XX - Seller-XX/XX/XXXX Open-Tax amount per tax cert pages #XXX, XXX-XXX is $XXX.XX (or $X,XXX.XX annually). However final settlement statement shows monthly tax as $XXX.XX ($XXX.XX / X months). provide proof of tax document validating the monthly tax amount of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Loan was qualified with the Gross tax for a conservative DSCR, we did not considered exceptions/reductions. Gross tax = $XXXX.XX*X=X,XXX.XX - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Resolved-Verified the lender used Gross Tax Amount ($XXXX.XX*X=X,XXX.XX) reflected on Tax Cert Bill (did not consider any exceptions or reductions). Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9492306 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10316085 | Closed | 2026-05-29 00:05 | 2026-06-02 10:24 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Prepayment penalties allowed for businesses, not individuals. XXXXXX XXXXXXX are aware of the finding. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Prepayment penalties allowed for businesses, not individuals. XXXXXX XXXXXXX are aware of the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9441099 | Investor Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10315984 | Closed | 2026-06-01 17:34 | 2026-06-03 10:16 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Uploaded Operating Agreement XXXX verifying ownership/chain of title. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded for XXXX - Seller-XX/XX/XXXX Open-Property Title Issue Missing documentation Chain of Title and Ownership, Borrower Member of XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. OA uploaded for XXXX. - Seller-XX/XX/XXXX |
Resolved-Uploaded Operating Agreement XXXX verifying ownership/chain of title. - Due Diligence Vendor-XX/XX/XXXX |
XX_XXXXXX XXXXX, XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9489205 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10326153 | Closed | 2026-06-02 07:13 | 2026-07-23 17:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Sufficient housing history provided in findings Previous account opened on Jan XXXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. credit supplement, this loan was refinanced this shows date opened X/XXXX - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements XX-month housing history required for primary residence as per guidelines. Verified one month for XXXX #XXXX DLA X/XXXX (page XXX) and page XXX of the origination credit report and credit supplement (page XXX) reporting five months DLA X/XXXX - Missing six months of XX-month housing history requirement - Provide X/XXXX to XX/XXXX payment history to complete XX-month housing history requirement - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. credit supplement, this loan was refinanced this shows date opened X/XXXX - Seller-XX/XX/XXXX |
Resolved-Sufficient housing history provided in findings Previous account opened on Jan XXXX, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9499277 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10326159 | Closed | 2026-06-02 03:14 | 2026-06-12 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-received fraud report and XXXX listing, per XXXX HOA fees are less than XXX per month - DTIs are in line - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Doc uploaded is in file - does not provide HOA information for XXX XXXXXXXXXXX XXXXXXXXX UNIT XXX, XXXXXXXXXXXXXXX, XX, XXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXX XXXXXX XXX, XXXXXXXXXXXXXXX, XX, XXXXX annual tax amount is XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Fraud report was used for the taxes XXX XXXX - Seller-XX/XX/XXXX Open-HOA document for verification is missing for the property: XXX XXXXXXXXXXX XXXXXXXXX UNIT XXX, XXXXXXXXXXXXXXX, XX, XXXXX and Tax documnet is missing for verification of the property: XXX XXXXXX XXX, XXXXXXXXXXXXXXX, XX, XXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The Fraud report was used for the taxes XXX XXXX - Seller-XX/XX/XXXX |
Resolved-received fraud report and XXXX listing, per XXXX HOA fees are less than XXX per month - DTIs are in line - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX.XXX XXX XXXXXXXXXXX XXXX #XXX, XXXXXXXXXXXXXX, XX XXXXX _ XXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9493769 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10326159 | Closed | 2026-06-02 02:42 | 2026-06-10 03:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provided XXXX loan amount is $XXX,XXX whereas on note the loan amount is $XXX,XXX. The PI amount is different, Insurance amount is not correct and HOA dues are missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9493519 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10329504 | Closed | 2026-06-08 07:31 | 2026-06-17 04:28 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Requested RCE with rebuilding cost of $XXX,XXX which is within the dwelling coverage of $XXX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see RCE - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount is less than Required Coverage Amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see RCE - Seller-XX/XX/XXXX |
Resolved-Requested RCE with rebuilding cost of $XXX,XXX which is within the dwelling coverage of $XXX,XXX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9601941 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10329512 | Closed | 2026-06-08 22:49 | 2026-06-15 08:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed settlement statement provided, update & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Signed HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide Final HUD-X Statement. Settlement statement available in file missing signatures. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Signed HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested signed settlement statement provided, update & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9619760 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10329539 | Closed | 2026-06-09 01:35 | 2026-06-12 07:02 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation CDA with low risk provided, updated & conditions resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CDA/ARR document uploaded. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CDA/ARR document uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation CDA with low risk provided, updated & conditions resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXXXXX XXXX XXXXXX (XXX) XX XXXXXXXXXX XXXXXXX XXXXXXXX (XXX).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9620265 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10329549 | Closed | 2026-06-11 12:25 | 2026-06-29 08:41 | Resolved | 1 - Information | C | A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-XXXX Exterior Appraisal received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secondary valuation document uploaded. - Seller-XX/XX/XXXX Open-Loan file does not contain additional valuation Loan is a Cash-Out transaction with an LTV of XX%. The file is missing a XXXX / Field Review valuation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Secondary valuation document uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX Exterior Appraisal received. - Due Diligence Vendor-XX/XX/XXXX |
XXXX X XXX XXXX XX(X)_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9694818 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10329552 | Closed | 2026-06-05 01:24 | 2026-06-24 23:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Requested Replacement Cost Estimator Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. RCE attached - Seller-XX/XX/XXXX |
Resolved-Requested Replacement Cost Estimator Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXX.XXX | XXXX | Investment | Purchase | NA | 9571884 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10337919 | Closed | 2026-06-10 07:25 | 2026-06-16 06:11 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-New XXXX and XXXX provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-REVISED XXXX & XXXX adding student loan debt - Seller-XX/XX/XXXX Open-DTI difference is due to Student loan to XXXXXX account ending in XXXX with a monthly payment of $XXX.XX not be in the lenders calculation for DTI. NO proof it was paid off, paid by a third party, or deferred in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-REVISED XXXX & XXXX adding student loan debt - Seller-XX/XX/XXXX |
Resolved-New XXXX and XXXX provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXX XXXXXX XXXXXXX XXXX XXXXXXX XX X XXXXXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXXX XXXX XXXXXX XXXXXXX XXXX XXXXXXX XX X XXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9651510 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10337919 | Closed | 2026-06-09 14:29 | 2026-06-12 06:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock confirmation provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-rate lock confirmation attached again - Seller-XX/XX/XXXX Open-Missing rate lock confirmation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-rate lock confirmation attached again - Seller-XX/XX/XXXX |
Resolved-Rate lock confirmation provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXX XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9635155 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10326149 | Closed | 2026-06-11 10:33 | 2026-06-23 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Attached is the VVOE for all X income sources - resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX Counter-Attached are tax transcripts please provide VVOE's as requested - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Transcripts - Since we have transcripts to verify the returns we should not need the borrowers to sign the returns - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing VVOE is missing for employer wage (XXXXXXX XXXX XXXXXXXX, XX) & Self employment (XXXXXXX XXXXXX & XXXXXXXX XXXX XXXXXXXX). Provide VVOE for the same. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. VVOE - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Transcripts - Since we have transcripts to verify the returns we should not need the borrowers to sign the returns - Seller-XX/XX/XXXX |
Resolved-Attached is the VVOE for all X income sources - resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX.XXX XXXXX_XXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9688570 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10326149 | Closed | 2026-06-11 10:33 | 2026-06-22 04:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-XXXX -XXXX year tax returns for employer - "XXXXXXXX XXXXX XXXXXXXX" in file, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Borrower is less than XX% owner per KX so a XXXX is not required - Seller-XX/XX/XXXX Open-Borrower X Business Tax Returns Missing XXXX -XXXX year tax returns are missing for employer - "XXXXXXXX XXXXX XXXXXXXX ". Provide XXXX - XXXX Tax returns for the same - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Borrower is less than XX% owner per KX so a XXXX is not required - Seller-XX/XX/XXXX |
Resolved-XXXX -XXXX year tax returns for employer - "XXXXXXXX XXXXX XXXXXXXX" in file, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9688571 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10326149 | Closed | 2026-06-11 08:30 | 2026-06-18 03:10 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Requested tax transcripts in lieu of signed tax returns provided, as we have signed XXXX in file used both in lieu of signatures & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Tax Returns Are Signed - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Transcripts - Since we have transcripts to verify the returns we should not need the borrowers to sign the returns - Seller-XX/XX/XXXX Open-Borrower X Tax Returns Not Signed One in file tax returns are not signed. Provide the tax returns with signature. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Transcripts - Since we have transcripts to verify the returns we should not need the borrowers to sign the returns - Seller-XX/XX/XXXX |
Resolved-Requested tax transcripts in lieu of signed tax returns provided, as we have signed XXXX in file used both in lieu of signatures & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Tax Returns Are Signed - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9684625 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10323463 | Closed | 2026-06-12 01:38 | 2026-06-17 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX and Approval Certificate were corrected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The Income on the provided XXXX ($XX,XXX) does not match the qualifying income on the Income Calculation Worksheet, the Approval Certificate, the Final XXXX, or the XXXXXXXXXXXXXX data input ($XX,XXX.XX). This is causing a DTI difference among the other provided documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX and Approval Certificate were corrected. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXX XXXXXX $XX,XXX.XXX XXXXX XXXX - XXXXXX $XX,XXX.XXX XXXXXXXX XXXXXXXXXXX - XXXXXX $XX,XXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9707873 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10315472 | Closed | 2026-06-15 04:57 | 2026-06-24 13:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg XXX,XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg XXX and the Final Closing disclosure on Pg XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg XXX,XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9739213 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10356609 | Closed | 2026-06-18 05:46 | 2026-06-26 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Insurance reflects Direct bill. Added monthly Insurance and taxes to mortgage payment Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX Open-Evidence of whether escrows are included in mortgage payment missing. Additionally, evidence of insurance premium for REO missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX |
Resolved-Insurance reflects Direct bill. Added monthly Insurance and taxes to mortgage payment Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_X&X XXXXXXXXX XXX-XXXXX.XXX XXXXX_XXXXXX-XXXXXXX_X&X XXXXXXXXX XXX XXXXXX-XXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9812495 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10356609 | Closed | 2026-06-23 11:48 | 2026-06-26 14:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Demographic section of XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX Open-Final XXXX/Demographics reflects Borrower Sex as XXXX which does not match ID which reflects XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX |
Resolved-Updated Demographic section of XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXX X-XXXXX XXXX-XXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9891858 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10356609 | Closed | 2026-06-18 01:48 | 2026-06-26 14:46 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Commitment provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX.XX is Less than Loan Amount Title Coverage Policy Amount of $XXXXXX.XX is Less than Loan Amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX |
Resolved-Updated Commitment provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXX XXXXXXX-XXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9809844 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10333324 | Closed | 2026-06-24 05:54 | 2026-06-24 12:17 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9908561 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10333324 | Closed | 2026-06-24 05:54 | 2026-06-24 12:17 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9908560 | N/A | N/A | ||||
| XXXX | XXXX | XXXX | 10326131 | Closed | 2026-06-22 05:08 | 2026-06-23 21:22 | Waived | 2 - Non-Material | B | B | Property | Property | Property has been listed for sale in the past 6 months | Waived-X months seasoning is required since a prior cash out refinance and Exception request form is on page#XXX - Due Diligence Vendor-XX/XX/XXXX | Waived-X months seasoning is required since a prior cash out refinance and Exception request form is on page#XXX - Due Diligence Vendor-XX/XX/XXXX |
Allow cash out refinance that closes prior to 6 months seasoning from previous cash out transaction. Prior refinance closed December 9, 2025 so they would have to wait until June 9 to meet guidelines Compensating Factors: Number of months reserves_ 16 vs Program requirements 3 DTI less than % below program maximum (must be 5% or more to be considered Borrowers’ contribution exceeds requirements by =>5% Years in current job exceeds _____+5 years ______+10 years $49k Amount of residual Income (i.e.. $3,000.00) Depth of Credit-Prior Housing History 758 FICO, 0*30 MTG pay history since 2007 |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9853770 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | XXXX | 10327097 | Closed | 2026-07-01 13:49 | 2026-07-08 08:44 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The client provided the operating agreement for XXXX to show the borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded - Buyer-XX/XX/XXXX Counter-The client provided the OA for XXXX and not XXXX. The assets in the file are in the name of XXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded - Buyer-XX/XX/XXXX Open-The guideline Business Funds states that to use business funds it Requires the full Operating Agreement, detailing ownership of the entity and access to funds in the liquidity account. The assets in the file are in the name of XXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The client provided the operating agreement for XXXX to show the borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXX XXX XXXXXXXX XXXXXXXXX XXXXXXXXX_XXX XXXXXXXXXX X, XXX.XXX XXXXXXXX XXXXXXXXX'X XXX - XX X.XX.XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10026697 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10327097 | Closed | 2026-06-30 00:29 | 2026-07-07 08:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested credit report for XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Background and credit reports uploaded - Buyer-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The guideline background check states that Background check or fraud screen from XXXXX, or another comparable provider is required for all Guarantors, Principals, and borrowing entities formed >XX days before origination. The loan file is missing the background check/credit report for XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested credit report for XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXX XXXXXX XXXXXX - XXXXXXX XXXXXX XXXXXXXX.XXX XXXXXXXXXX XXX XXXXXX XXXXXX - XXXX XXXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9992859 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10327107 | Closed | 2026-07-02 10:24 | 2026-07-08 09:44 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The client provided the operating agreement for XXXXXXXX XXXXXXXXXX to show the borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded - Buyer-XX/XX/XXXX Counter-The client provided the OA for XXX XXXXXXXXXX X and not XXXXXXXX XXXXXXXXXX. The assets in the file are in the name of XXXXXXXX XXXXXXXXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. oa uploaded - Buyer-XX/XX/XXXX Open-The guideline Business Funds states that to use business funds it Requires the full Operating Agreement, detailing ownership of the entity and access to funds in the liquidity account. The assets in the file are in the name of XXXXXXXX XXXXXXXXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The client provided the operating agreement for XXXXXXXX XXXXXXXXXX to show the borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXX XXX XXXXXXXX XXXXXXXXX XXXXXXXXX_XXX XXXXXXXXXX X, XXX.XXX XXXXXXXX XXXXXXXXX'X XXX - XX X.XX.XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10042928 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10327107 | Closed | 2026-06-30 06:59 | 2026-07-07 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested credit report for XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Both background and credit reports uploaded - Buyer-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The guideline background check states that Background check or fraud screen from XXXXX, or another comparable provider is required for all Guarantors, Principals, and borrowing entities formed >XX days before origination. The loan file is missing the background check/credit report for XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested credit report for XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXX XXXXXX XXXXXX - XXXX XXXXXXX XXXXXXXX.XXX XXXXXXXXXX XXX XXXXXX XXXXXX - XXXXXXX XXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9996802 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10327106 | Closed | 2026-07-01 15:03 | 2026-07-08 09:54 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The client provided the operating agreement for XXXXXXXX XXXXXXXXXX to show the borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded - Buyer-XX/XX/XXXX Counter-The client provided the OA for XXX XXXXXXXXXX X and not XXXXXXXX XXXXXXXXXX. The assets in the file are in the name of XXXXXXXX XXXXXXXXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX Counter-The client provided the OA for XXX XXXXXXXXXX X and not XXXXXXXX XXXXXXXXXX. The assets in the file are in the name of XXXXXXXX XXXXXXXXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. OA uploaded - Buyer-XX/XX/XXXX Open-The guideline Business Funds states that to use business funds it Requires the full Operating Agreement, detailing ownership of the entity and access to funds in the liquidity account. The assets in the file are in the name of XXXXXXXX XXXXXXXXXX and the operating agreement is missing to support the borrowers ownership and access to the funds. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The client provided the operating agreement for XXXXXXXX XXXXXXXXXX to show the borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXXX XXX XXXXXXXX XXXXXXXXX XXXXXXXXX_XXX XXXXXXXXXX X, XXX.XXX XXXXXXXX XXXXXXXXX'X XXX - XX X.XX.XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10028342 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10327106 | Closed | 2026-06-30 12:09 | 2026-07-06 04:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested credit report for XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. both background and credit reports uploaded - Buyer-XX/XX/XXXX Open-Borrower X Credit Report is Missing. The guideline background check states that Background check or fraud screen from XXXXX, or another comparable provider is required for all Guarantors, Principals, and borrowing entities formed >XX days before origination. The loan file is missing the background check/credit report for XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested credit report for XX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXX XXXXXX XXXXXX - XXXXXXX XXXXXX XXXXXXXX.XXX XXXXXXXXXX XXX XXXXXX XXXXXX - XXXX XXXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10003645 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10351606 | Closed | 2026-06-26 12:00 | 2026-07-17 07:36 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Documentation used to support the hazard premium used in the approval. Finding is resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Invoice should be the final document to verify the final premium, uploaded the final invoice and the email confirmation. - Seller-XX/XX/XXXX Open-DSCR Does Not Meet Guideline Requirement. The lender utilized the document on page XXX, which reflects an annual insurance amount of $XXX.XX, in the DSCR calculation. However, the insurance policy on page XXX reflects an annual premium of $X,XXX.XX. The use of the lower insurance amount results in a material impact on the DSCR calculation. Based on the insurance policy premium of $X,XXX.XX, the auditor-calculated DSCR is X.XXX, compared to the lender-calculated DSCR of X.XXX. The variance exceeds X.XX and therefore requires support and clarification. Please advise why the invoice on page XXX was used in lieu of the insurance policy premium reflected on page XXX, and provide documentation supporting the insurance amount utilized in the lender's DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Invoice should be the final document to verify the final premium, uploaded the final invoice and the email confirmation. - Seller-XX/XX/XXXX |
Resolved-Documentation used to support the hazard premium used in the approval. Finding is resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXXXX.XXX XXXXX XXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9957706 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351625 | Closed | 2026-06-26 03:09 | 2026-06-29 08:24 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is Partially Present. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. Borrower X Credit Report Ordered date XX-XX-XXXX is after the Note date XX-XX-XXXX. Provide Credit report which covers the Note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Credit Report is Partially Present. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9949561 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351627 | Closed | 2026-06-26 03:03 | 2026-06-29 10:57 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX Open-Borrower X Credit Report is Partially Present. Provide credit report prior to consummation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Credit report prior to Note date uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Credit Report is not partially present. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9949518 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351635 | Closed | 2026-06-26 07:04 | 2026-07-10 06:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Document Uploaded. Final Binder uploaded. - Due Diligence Vendor-XX/XX/XXXX Resolved-HOI doc provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Binder uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Hazard Insurance is Missing in Loan file Please Provide updated insurance Document - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Binder uploaded. - Seller-XX/XX/XXXX |
Resolved-Document Uploaded. Final Binder uploaded. - Due Diligence Vendor-XX/XX/XXXX Resolved-HOI doc provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9952792 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351655 | Closed | 2026-06-29 13:37 | 2026-07-20 10:15 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Uploaded shows #XX and #XX cleared by Title/Escrow and will not show on Final Title Policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Marked up title commitment uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue Missing documentation for Title Commitment requirements #XX & #XX to clear from Final title policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Marked up title commitment uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded shows #XX and #XX cleared by Title/Escrow and will not show on Final Title Policy. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXXXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9983540 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351655 | Closed | 2026-06-29 12:52 | 2026-07-16 08:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Written Consent received. Per the document: "RESOLVED, that XXX X XXXX as Member and Manager be and hereby is authorized to execute and deliver by and on behalf of the Company such note and Mortgage...." XXXXXX gave XXX consent to sign on his behalf. - Due Diligence Vendor-XX/XX/XXXX Counter-XXXXXXXXXX Page XX Guarantor with XX%+ Ownership did not sign the Note. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Uploaded written consent - please refer to the page #X titled - "RESOLVED" - Seller-XX/XX/XXXX Ready for Review-XXX XXXX is the authorized signatory on behalf of the LLC. She is the managing member. - Seller-XX/XX/XXXX Open-The Note is Missing . Page XXX & XXX XXXXXX XXXX XX% Ownership XXXXXXXXXX XXXXX XXXXXX LLC, Page XXX Guaranty signed by XXXXXX XXXX. However Note and Deed of Trust signed by XXX X XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Uploaded written consent - please refer to the page #X titled - "RESOLVED" - Seller-XX/XX/XXXX Ready for Review-XXX XXXX is the authorized signatory on behalf of the LLC. She is the managing member. - Seller-XX/XX/XXXX |
Resolved-Written Consent received. Per the document: "RESOLVED, that XXX X XXXX as Member and Manager be and hereby is authorized to execute and deliver by and on behalf of the Company such note and Mortgage...." XXXXXX gave XXX consent to sign on his behalf. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9982211 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351655 | Closed | 2026-06-29 12:51 | 2026-07-16 08:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Written Consent received. Per the document: "RESOLVED, that XXX X XXXX as Member and Manager be and hereby is authorized to execute and deliver by and on behalf of the Company such note and Mortgage...." XXXXXX gave XXX consent to sign on his behalf. - Due Diligence Vendor-XX/XX/XXXX Counter-Missing Deed of Trust. XXXXXXXXXX Page XX Guarantor with XX%+ Ownership to sign Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded written consent - please refer to the page #X titled - "RESOLVED" - Seller-XX/XX/XXXX Ready for Review-XXX XXXX is the authorized signatory on behalf of the LLC. She is the managing member. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing .Page XXX & XXX XXXXXX XXXX XX% Ownership XXXXXXXXXX XXXXX XXXXXX LLC, Page XXX Guaranty signed by XXXXXX XXXX. However Note and Deed of Trust signed by XXX X XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded written consent - please refer to the page #X titled - "RESOLVED" - Seller-XX/XX/XXXX Ready for Review-XXX XXXX is the authorized signatory on behalf of the LLC. She is the managing member. - Seller-XX/XX/XXXX |
Resolved-Written Consent received. Per the document: "RESOLVED, that XXX X XXXX as Member and Manager be and hereby is authorized to execute and deliver by and on behalf of the Company such note and Mortgage...." XXXXXX gave XXX consent to sign on his behalf. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9982189 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10351655 | Closed | 2026-06-25 01:21 | 2026-07-09 11:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Uploaded Settlement Statement Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Counter-Uploaded is not for Subject Transaction. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Final HUD-X Statement missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Final HUD uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Settlement Statement Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9928293 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10367959 | Closed | 2026-07-10 15:12 | 2026-07-20 11:23 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Uploaded XXXX corrected address as XXXA XXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised appraisal uploaded. - Seller-XX/XX/XXXX Open-Page XXX Title Policy and Page XXX Tax Statement property address XXXA XXXXX XXXXXX XXXXXX XX XXXXX. XXXX shows "XXX". Missing updated XXXX property address. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised appraisal uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded XXXX corrected address as XXXA XXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXX XXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10184341 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10367985 | Closed | 2026-07-13 10:08 | 2026-07-30 08:50 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Articles of Organization document uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Articles of Organization document uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 10203911 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10367985 | Closed | 2026-07-13 10:22 | 2026-07-30 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease is only for X months and not allowed to be used. Using market rent which is lower. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The lease term is for X months. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-A lease agreement for the subject property at XXXX XXX XXXXXXX XXX was identified on page XXX of the loan file. The lease contains conflicting and potentially invalid term dates, reflecting a lease start date of XX/XX/XXXX and an end date of XX/XX/XXXX. Please provide an explanation for this discrepancy and clarify the intended lease term. Additionally, provide supporting documentation, such as a corrected lease agreement, lease amendment, or other evidence, to validate the occupancy and rental status of the subject property. This information should also be reconciled with the appraisal, which identifies the property as owner-occupied. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The lease term is for X months. - Seller-XX/XX/XXXX |
Resolved-Lease is only for X months and not allowed to be used. Using market rent which is lower. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10204158 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10367985 | Closed | 2026-07-13 10:20 | 2026-07-30 08:48 | Resolved | 1 - Information | C | A | Credit | Credit | Guidelines - Occupancy does not meet eligibility requirement(s) | Resolved-Updated appraisal provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Revised appraisal uploaded. - Seller-XX/XX/XXXX Open-The appraisal dated XX/XX/XXXX identifies the subject property as owner-occupied; however, available information indicates the borrower currently resides at XXX XXXXXXXXXX XXX. Please provide clarification regarding the occupancy status of the subject property and obtain any necessary supporting documentation to reconcile this discrepancy. If the property is not owner-occupied, the loan file and appraisal should be updated accordingly. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Revised appraisal uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated appraisal provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXXXXXX XXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10204127 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10367993 | Closed | 2026-07-10 02:18 | 2026-07-13 13:13 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | XXXX Prepayment Penalty Prohibited | Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Refinance | Cash Out - Other | 10164667 | Originator Post-Close | No | |||||
| XXXX | XXXX | XXXX | 10367996 | Closed | 2026-07-13 13:38 | 2026-08-11 11:35 | Acknowledged | 2 - Non-Material | C | B | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Acknowledged-The client is acknowledging the Exhibit A was an error being on the Operating Agreement. - Due Diligence Vendor-XX/XX/XXXX Counter-This has been reviewed with management and the loan file is missing a letter from the borrower explaining that there is no exhibit A to the OA. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Update Operating agreement uploaded. - Seller-XX/XX/XXXX Counter-This has been reviewed with management and the loan file is missing a letter from the borrower explaining that there is no exhibit A to the OA. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is the complete Operating Agreement. There is no Exhibit "A." The page following this section is blank, and therefore the blank page was not included. - Seller-XX/XX/XXXX Counter-The client provided the same operating agreement however exhibit A has been removed. The loan file is missing exhibit A as shown on page XXX in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Complete operating agreement uploaded. - Seller-XX/XX/XXXX Open-The loan file contains the operating agreement however it is missing exhibit A as shown on page XXX. The loan file is missing exhibit A of the operating agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Update Operating agreement uploaded. - Seller-XX/XX/XXXX Ready for Review-This is the complete Operating Agreement. There is no Exhibit "A." The page following this section is blank, and therefore the blank page was not included. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Complete operating agreement uploaded. - Seller-XX/XX/XXXX |
Acknowledged-The client is acknowledging the Exhibit A was an error being on the Operating Agreement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX.XXX XXXXXXX XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10210125 | Originator Post-Close | No | ||
| XXXX | XXXX | XXXX | 10368003 | Closed | 2026-07-13 15:19 | 2026-07-16 07:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX Resolved-The client provided evidence that the borrowers i-XXX has been extended for X years. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document uploaded stating the expiry date has been extended for XX months on the i-XXX. Please clear this exception. - Seller-XX/XX/XXXX Open-The loan contains a copy of the borrowers i-XXX however it expired on XX/XX/XX, which is prior to closing. The loan file is missing a copy of the front and back of the borrowers un-expired i-XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Document uploaded stating the expiry date has been extended for XX months on the i-XXX. Please clear this exception. - Seller-XX/XX/XXXX |
Resolved-Borrower X Citizenship Documentation Provided or Not Required - Due Diligence Vendor-XX/XX/XXXX Resolved-The client provided evidence that the borrowers i-XXX has been extended for X years. - Due Diligence Vendor-XX/XX/XXXX |
X-XXX XXXXXXXX XX XXXXXX XXXXXXXXXX - XXXXXXXX XX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10212068 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10368003 | Closed | 2026-07-13 15:21 | 2026-07-15 09:00 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Certificate of Good Standing Document is Missing | Resolved-The client provided an updated certificate of good standing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Documents confirming entity's active status uploaded. - Seller-XX/XX/XXXX Open-The loan file contains evidence of the borrowers status however it is over X year old. The loan file is missing current evidence that XXXX XXX is in good standing/active status. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Documents confirming entity's active status uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided an updated certificate of good standing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXXX XXX_XXXXXX XXXXXX_XXXX.XXX XXXXXXXXX XXXXXXXXXX XXX_XXXXXX XXXXXX_XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10212102 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10368007 | Closed | 2026-07-10 08:03 | 2026-07-21 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached Dec. Page - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Hazard invoice provided at page #XXX but hazard document is missing from file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see attached Dec. Page - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXX-XXXXXXXXX-XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10171187 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10368019 | Closed | 2026-07-10 06:40 | 2026-08-11 09:53 | Resolved | 1 - Information | C | A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached EOI. Coverage is Business Income on Actual Loss Sustained based on the by laws agreement. - Seller-XX/XX/XXXX Open-Provided HOI document does not have Rent Loss Coverage, provide updated HOI with Rent loss coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached EOI. Coverage is Business Income on Actual Loss Sustained based on the by laws agreement. - Seller-XX/XX/XXXX |
Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10169306 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10368065 | Closed | 2026-07-10 03:01 | 2026-07-17 09:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-HUD from refinance of another property was provided showing proceeds that were obtained by the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HUD from another deal has been uploaded for liquidity. - Seller-XX/XX/XXXX Open- The subject loan is a rate-term refinance. The file reflects total assets of $XXX,XXX.XX, including $XX,XXX.XX in liquid assets. According to the Settlement Statement, the borrower is required to bring $XX,XXX.XX to closing. Per the guidelines dated XX/XX/XXXX, the borrower is required to maintain six (X) months of reserves, which totals $XX,XXX.XX. After deducting the required funds to close of $XX,XXX.XX and the required reserves of $XX,XXX.XX from the total available assets of $XXX,XXX.XX, the borrower is left with a deficit of $X,XXX.XX.Based on the documentation currently in the file, the borrower appears to be short $X,XXX.XX to satisfy the reserve requirements. Please provide additional asset documentation or clarification supporting sufficient funds to meet the required funds to close and reserve requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. HUD from another deal has been uploaded for liquidity. - Seller-XX/XX/XXXX |
Resolved-HUD from refinance of another property was provided showing proceeds that were obtained by the borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10165103 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10368074 | Closed | 2026-07-16 10:08 | 2026-07-29 08:53 | Resolved | 1 - Information | C | A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-Funding statement received; Finding resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The funding statement's value matches with our data, uploaded funding statement for your reference. P&I reserves collected $XXXX.X*X = $XX,XXX.X, Tax escrow - $XXX.XX*X = X,XXX.XX Insurance Escrow - $XXX.XX*X = XXXX.XX - Seller-XX/XX/XXXX Open-Monthly Escrow Payment of $XXXX.XX does not equal the sum of monthly tax amount on Title $XXX.XX And the monthly Property Insurance Amount $ XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The funding statement's value matches with our data, uploaded funding statement for your reference. P&I reserves collected $XXXX.X*X = $XX,XXX.X, Tax escrow - $XXX.XX*X = X,XXX.XX Insurance Escrow - $XXX.XX*X = XXXX.XX - Seller-XX/XX/XXXX |
Resolved-Funding statement received; Finding resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX (X).XXX | XXXX | Investment | Purchase | NA | 10290052 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10368074 | Closed | 2026-07-13 04:37 | 2026-07-29 08:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please be advised that for all XXXX State loans, we will have only funding statements instead of a Final HUD. Please clear this exception. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Settlement statement is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please be advised that for all XXXX loans, we will have only funding statements instead of a Final HUD. Please clear this exception. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 10197145 | N/A | N/A |