Exhibit 99.1 - Schedule 5
| |
| Supplemental Data |
| Run Date - 9/16/2026 3:18:54 PM |
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| 224364976 | [Redacted] | [Redacted] | N/A | No | No | $2,767.60 | $2,767.60 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $6,988.68 | [Redacted] | $582.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.3 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 240 | [Redacted] | [Redacted] | 12.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225155421 | [Redacted] | [Redacted] | N/A | No | No | $10,629.00 | $15,430.54 | 6.805% | $10,271.25 | $13,884.25 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | $448,031.50 | 1 | [Redacted] | $4,071.00 | [Redacted] | $339.25 | 7.997% | 7.255% | 7.997% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,629.00 | 6.100% | $0.00 | 4.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 83.39 | No | No | $486,975.82 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225163324 | [Redacted] | [Redacted] | N/A | No | No | $1,051.77 | $1,051.77 | 8.250% | No | No | US Citizen | 1 | [Redacted] | $2,166.36 | [Redacted] | $180.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225201659 | [Redacted] | [Redacted] | N/A | No | No | $3,891.59 | $3,891.59 | 6.750% | No | No | Permanent Resident Alien | 3 | [Redacted] | $6,215.04 | [Redacted] | $517.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.95 | Yes | 15.000% | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225280335 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,532.50 | $2,013.32 | 6.613% | $5,282.57 | $5,282.57 | 6.625% | No | No | Self-Employed | US Citizen | $31,932.44 | 1 | [Redacted] | $1,673.52 | [Redacted] | $139.46 | 26.297% | 26.297% | 26.297% | [Redacted] | 808 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,532.50 | 5.980% | $38,500.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 147.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225337819 | [Redacted] | [Redacted] | N/A | No | No | $1,065.16 | $1,065.16 | 6.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $684.00 | [Redacted] | $57.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225381278 | [Redacted] | [Redacted] | N/A | No | No | $1,538.27 | $1,538.27 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $1,632.96 | [Redacted] | $136.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 719 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.65 | [Redacted] | [Redacted] | 1.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225407126 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $3,141.80 | 6.533% | $4,626.74 | $4,626.74 | 6.500% | No | No | Employed | US Citizen | $10,523.17 | 2 | [Redacted] | $1,608.00 | [Redacted] | $134.00 | 47.094% | 47.094% | 47.094% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 5.980% | $0.00 | None | No | No | 6.500% | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | 26.090% | No | 20 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.61 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225424171 | [Redacted] | [Redacted] | N/A | No | No | $2,729.17 | $2,729.17 | 6.250% | No | No | US Citizen | 1 | [Redacted] | $1,026.36 | [Redacted] | $85.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.87 | No | $0.00 | $0.00 | No | No | No | No | 7 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225427624 | [Redacted] | [Redacted] | N/A | No | No | $181,795.00 | $3,518.40 | 6.258% | $18,471.52 | $18,471.52 | 6.250% | No | No | Self-Employed | US Citizen | $1,148,888.60 | 1 | [Redacted] | $9,425.04 | [Redacted] | $785.42 | 4.080% | 4.080% | 4.080% | [Redacted] | 771 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $181,795.00 | 6.020% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.5 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225431783 | [Redacted] | [Redacted] | N/A | No | No | $9,580.00 | $10,328.23 | 7.987% | $1,566.24 | $1,566.24 | 7.500% | No | No | Self-Employed | US Citizen | $14,066.14 | 1 | [Redacted] | $1,872.96 | [Redacted] | $156.08 | 38.346% | 38.346% | 38.346% | [Redacted] | 689 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,580.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 334.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225432954 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,725.00 | $11,453.25 | 7.952% | $2,171.16 | $2,171.16 | 7.625% | No | No | Non-Employment Income | Non-Permanent Resident Alien | Nigeria | $8,869.42 | 1 | [Redacted] | $1,409.04 | [Redacted] | $117.42 | 30.458% | 30.458% | 30.458% | [Redacted] | 710 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $7,725.00 | 5.980% | $5,000.00 | 1.5 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 378.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225438451 | [Redacted] | [Redacted] | N/A | No | No | $1,907.79 | $1,907.79 | 8.000% | No | No | US Citizen | 3 | [Redacted] | $2,807.28 | [Redacted] | $233.94 | 0.000% | 0.000% | 0.000% | [Redacted] | 633 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.53 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 87.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225438536 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,141.24 | 7.643% | $7,930.00 | $10,149.41 | 7.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $22,987.18 | 1 | [Redacted] | $5,210.88 | [Redacted] | $434.24 | 47.374% | 42.293% | 47.374% | [Redacted] | 792 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.220% | $0.00 | 1.2 | None | Yes | No | 7.625% | 3 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | 240 | [Redacted] | [Redacted] | 57.500% | No | 27 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.45 | No | No | $18,680.62 | $0.00 | No | No | No | No | 2 | 240 | AE | 04/02/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225443741 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,395.80 | $7,089.97 | 7.017% | $1,152.56 | $1,152.56 | 6.625% | No | No | Self-Employed | US Citizen | $2,732.30 | 1 | [Redacted] | $843.00 | [Redacted] | $70.25 | 39.156% | 39.156% | 39.156% | [Redacted] | 787 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,395.80 | 6.220% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 15.500% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225449519 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,862.42 | 7.237% | $3,771.00 | $5,463.95 | 7.654% | No | No | Employed | US Citizen | $16,353.33 | 1 | [Redacted] | $1,494.48 | [Redacted] | $124.54 | 43.041% | 37.145% | 43.041% | [Redacted] | 803 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 5.930% | $0.00 | 1.0 | None | Yes | No | 7.654% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 231.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225450054 | [Redacted] | [Redacted] | N/A | No | No | $5,593.85 | $5,593.85 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $14,233.20 | [Redacted] | $1,186.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.98 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225453184 | [Redacted] | [Redacted] | N/A | No | No | $4,864.49 | $4,864.49 | 6.750% | No | No | US Citizen | 3 | [Redacted] | $3,450.00 | [Redacted] | $287.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.48 | [Redacted] | [Redacted] | 53.130% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.11 | Yes | 15.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225453355 | [Redacted] | [Redacted] | N/A | No | No | $1,657.62 | $1,657.62 | 7.375% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,425.00 | [Redacted] | $118.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.18 | 0.45 | [Redacted] | [Redacted] | 27.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225455006 | [Redacted] | [Redacted] | N/A | No | No | $1,536.75 | $1,536.75 | 6.625% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $933.00 | [Redacted] | $77.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225465744 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,008.40 | $11,292.62 | 7.551% | $1,650.61 | $1,650.61 | 7.125% | No | No | Self-Employed | US Citizen | $2,245.98 | 1 | [Redacted] | $3,588.84 | [Redacted] | $299.07 | 49.876% | 49.876% | 49.876% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,008.40 | 6.120% | $0.00 | 2.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225466162 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,315.00 | $5,011.90 | 7.373% | $877.99 | $877.99 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,089.60 | 1 | [Redacted] | $1,245.00 | [Redacted] | $103.75 | 34.893% | 34.893% | 34.893% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,315.00 | 5.530% | $0.00 | 1.2 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.68 | No | $9,353.26 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225470431 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,306.00 | $14,461.94 | 6.806% | $4,149.22 | $4,149.22 | 6.625% | No | No | Self-Employed | US Citizen | $9,212.38 | 1 | [Redacted] | $3,858.24 | [Redacted] | $321.52 | 51.534% | 51.534% | 51.534% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,306.00 | 6.120% | $5,000.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 12 | 0.00 | No | [Redacted] | [Redacted] | 11.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 04/10/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225471804 | [Redacted] | [Redacted] | N/A | No | No | $1,075.85 | $1,075.85 | 7.625% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $861.96 | [Redacted] | $71.83 | 0.000% | 0.000% | 0.000% | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 29.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473692 | [Redacted] | [Redacted] | N/A | No | No | $1,084.01 | $1,084.01 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $3,030.84 | [Redacted] | $252.57 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.64 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | AE | $225,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225473807 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,375.00 | $18,765.01 | 7.587% | $5,442.52 | $5,442.52 | 7.375% | No | No | Self-Employed | US Citizen | $11,641.32 | 1 | [Redacted] | $2,161.44 | [Redacted] | $180.12 | 38.955% | 38.955% | 38.955% | [Redacted] | 719 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | [Redacted] | 0 | 0 | 0 | [Redacted] | $29,375.00 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | [Redacted] | 36.880% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225479331 | [Redacted] | [Redacted] | N/A | No | No | $33,990.00 | $4,433.20 | 6.917% | $4,230.62 | $4,230.62 | 6.875% | No | No | Not Employed | Employed | US Citizen | $76,663.94 | 2 | [Redacted] | $1,625.04 | [Redacted] | $135.42 | 16.875% | 16.875% | 16.875% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $33,990.00 | 6.430% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.16 | No | No | $92,226.97 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225499893 | [Redacted] | [Redacted] | N/A | No | No | $632.07 | $632.07 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,321.80 | [Redacted] | $110.15 | 0.000% | 0.000% | 0.000% | 762 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.1 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.59 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225524725 | [Redacted] | [Redacted] | N/A | No | No | $53,540.00 | $12,904.60 | 7.005% | $5,666.01 | $5,666.01 | 6.875% | No | No | Not Employed | Not Employed | Self-Employed | 6.31 | US Citizen | $33,928.82 | 3 | [Redacted] | $2,463.00 | [Redacted] | $205.25 | 25.579% | 25.579% | 25.579% | [Redacted] | 759 | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $53,540.00 | 6.430% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.66 | No | $45,590.27 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225528668 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $12,995.00 | $17,618.84 | 7.176% | $3,678.80 | $3,678.80 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $13,565.98 | 1 | [Redacted] | $1,480.68 | [Redacted] | $123.39 | 25.170% | 25.170% | 25.170% | [Redacted] | 778 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $12,995.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | Not Stated | [Redacted] | [Redacted] | 27.780% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225528669 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,084.00 | $9,702.63 | 7.454% | $2,899.25 | $2,899.25 | 7.250% | No | No | Non-Employment Income | US Citizen | $7,148.83 | 1 | [Redacted] | $1,694.04 | [Redacted] | $141.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $17,084.00 | 6.220% | $9,000.00 | 1.3 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 181.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225528742 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $7,598.96 | 6.803% | $7,329.16 | $7,329.16 | 6.750% | No | No | Self-Employed | US Citizen | $12,561.30 | 1 | [Redacted] | $2,576.04 | [Redacted] | $214.67 | 43.599% | 43.599% | 43.599% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.370% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 2 | 0 | 3 | 2 | No | [Redacted] | [Redacted] | 52.940% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225528757 | [Redacted] | [Redacted] | N/A | No | No | $1,262.80 | $1,262.80 | 6.990% | No | No | Foreign National | 1 | [Redacted] | $1,100.40 | [Redacted] | $91.70 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | No | 102.52 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225547554 | [Redacted] | [Redacted] | N/A | No | No | $2,386.20 | $2,386.20 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $7,408.08 | [Redacted] | $617.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.3 | Retail | Yes | 35.000% | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225553302 | [Redacted] | [Redacted] | N/A | No | No | $33,290.00 | $8,185.00 | 6.652% | $3,318.36 | $3,318.36 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $67,353.97 | 2 | [Redacted] | $1,784.04 | [Redacted] | $148.67 | 26.970% | 26.970% | 26.970% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $33,290.00 | 6.260% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.38 | No | No | $92,227.11 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225558095 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,290.00 | $10,587.70 | 6.788% | $7,238.35 | $7,238.35 | 6.750% | No | No | Self-Employed | US Citizen | $17,501.02 | 1 | [Redacted] | $5,543.04 | [Redacted] | $461.92 | 35.521% | 35.521% | 35.521% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2006 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,290.00 | 6.300% | $0.00 | 2.1 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | No | Not Stated | [Redacted] | [Redacted] | 29.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225558441 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,240.00 | $10,353.11 | 7.514% | $1,970.79 | $2,126.30 | 7.639% | No | No | Employed | US Citizen | $6,112.46 | 1 | [Redacted] | $535.56 | [Redacted] | $44.63 | 32.769% | 31.058% | 32.769% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,240.00 | 6.040% | $5,000.00 | 1.8 | None | Yes | No | 7.639% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 5.230% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225559638 | [Redacted] | [Redacted] | N/A | No | No | $2,520.52 | $2,520.52 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $629.64 | [Redacted] | $52.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225561935 | [Redacted] | [Redacted] | N/A | No | No | $1,744.66 | $1,744.66 | 6.990% | No | No | Foreign National | 1 | [Redacted] | $1,342.32 | [Redacted] | $111.86 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | 32.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | 11.56 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225564840 | [Redacted] | [Redacted] | N/A | No | No | $5,829.45 | $5,829.45 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $897.96 | [Redacted] | $74.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225564850 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,545.00 | $12,893.28 | 8.027% | $2,356.95 | $2,356.95 | 7.625% | No | No | Not Employed | Not Employed | Self-Employed | 10.09 | Permanent Resident Alien | US Citizen | US Citizen | $5,672.99 | 1 | [Redacted] | $1,626.00 | [Redacted] | $135.50 | 55.053% | 55.053% | 55.053% | [Redacted] | 771 | 763 | 801 | 771 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,545.00 | 6.430% | $7,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 17.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 12.41 | Retail | No | No | $12,621.47 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225565444 | [Redacted] | [Redacted] | N/A | No | No | $1,180.45 | $1,180.45 | 6.750% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,042.32 | [Redacted] | $86.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | 785 | 785 | 779 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569208 | [Redacted] | [Redacted] | N/A | No | No | $22,900.00 | $7,413.96 | 6.515% | $1,872.66 | $1,872.66 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $33,539.05 | 1 | [Redacted] | $2,352.36 | [Redacted] | $196.03 | 35.106% | 35.106% | 36.518% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $22,900.00 | 6.020% | $0.00 | 1.0 | None | No | No | 6.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 613.25 | No | No | $0.00 | $3,071.66 | No | No | No | No | 3 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225569250 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $1,590.00 | $2,845.71 | 7.787% | $918.36 | $918.36 | 7.625% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $6,746.40 | 1 | [Redacted] | $618.96 | [Redacted] | $51.58 | 49.442% | 49.442% | 49.442% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.260% | $0.00 | 999.0 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 69.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.72 | No | No | $13,343.75 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225574326 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,591.19 | $16,367.20 | 7.917% | $2,882.51 | $2,882.51 | 7.500% | No | No | Employed | Non-Employment Income | Non-Employment Income | 0 | Permanent Resident Alien | Permanent Resident Alien | US Citizen | $3,659.39 | 1 | [Redacted] | $1,518.00 | [Redacted] | $126.50 | 49.099% | 49.099% | 49.099% | [Redacted] | 728 | 816 | 827 | 800 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $15,591.19 | 6.300% | $0.00 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 25.350% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 7.02 | No | $2,177.68 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225578714 | [Redacted] | [Redacted] | N/A | No | No | $745.07 | $745.07 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $993.00 | [Redacted] | $82.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.87 | 0.53 | [Redacted] | [Redacted] | 1.150% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 159.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225579704 | [Redacted] | [Redacted] | N/A | No | No | $958.73 | $958.73 | 6.375% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,105.56 | [Redacted] | $92.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 755.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225586242 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,314.00 | $4,869.05 | 7.179% | $1,355.85 | $1,355.85 | 6.990% | No | No | Self-Employed | US Citizen | $49,252.73 | 1 | [Redacted] | $5,084.04 | [Redacted] | $423.67 | 13.190% | 13.190% | 13.190% | [Redacted] | 714 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,314.00 | 6.020% | $2,215.44 | 2.5 | DU | ApproveEligible | No | No | 6.990% | 1 | 1 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | 67.790% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595536 | [Redacted] | [Redacted] | N/A | No | No | $26,243.75 | $7,256.97 | 6.712% | $1,738.19 | $1,738.19 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,945.95 | 1 | [Redacted] | $1,062.00 | [Redacted] | $88.50 | 33.619% | 33.619% | 33.619% | [Redacted] | 806 | No | No | Audited | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $26,243.75 | 6.370% | $0.00 | None | N/A | No | 6.500% | 2 | 2 | 2 | 0 | 3 | 2 | 1.90 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 65.5 | No | No | $6,203.73 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225595552 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,771.25 | $8,569.90 | 6.928% | $2,432.24 | $2,432.24 | 6.750% | No | No | Self-Employed | US Citizen | $11,154.07 | 1 | [Redacted] | $3,586.32 | [Redacted] | $298.86 | 45.225% | 45.225% | 45.225% | [Redacted] | 719 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $3,771.25 | 6.300% | $7,750.00 | 1.8 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | 49.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.05 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225597325 | [Redacted] | [Redacted] | N/A | No | No | $6,978.63 | $6,978.63 | 6.990% | No | No | Foreign National | 1 | [Redacted] | $13,751.04 | [Redacted] | $1,145.92 | 0.000% | 0.000% | 0.000% | 680 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | No | 56.12 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602440 | [Redacted] | [Redacted] | N/A | No | No | $31,777.50 | $16,790.14 | 8.861% | $2,660.25 | $2,660.25 | 8.375% | No | No | Not Employed | Self-Employed | Not Employed | 0 | Non-Permanent Resident Alien | $6,007.54 | 2 | [Redacted] | $6,096.60 | [Redacted] | $508.05 | 42.982% | 42.982% | 42.982% | [Redacted] | 688 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $31,777.50 | 6.370% | $0.00 | 1.0 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.65 | No | No | $10,536.20 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602449 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,358.75 | $0.00 | 6.838% | $1,215.32 | $1,215.32 | 6.875% | No | No | Non-Employment Income | US Citizen | $2,614.46 | 1 | [Redacted] | $2,088.12 | [Redacted] | $174.01 | 42.783% | 42.783% | 42.783% | [Redacted] | 814 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $5,358.75 | 6.220% | $13,464.72 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 88.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.88 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602465 | [Redacted] | [Redacted] | N/A | No | No | $2,179.99 | $2,179.99 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,954.76 | [Redacted] | $246.23 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.45 | 0.4 | [Redacted] | [Redacted] | 28.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225604415 | [Redacted] | [Redacted] | N/A | No | No | $930.48 | $930.48 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,072.92 | [Redacted] | $89.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [Redacted] | [Redacted] | 44.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.27 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | $1,470,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225612581 | [Redacted] | [Redacted] | N/A | No | No | $51,890.00 | $18,752.91 | 7.254% | $3,675.00 | $5,861.68 | 7.639% | No | No | Not Employed | Self-Employed | US Citizen | $25,070.79 | 1 | [Redacted] | $7,505.04 | [Redacted] | $625.42 | 46.309% | 44.196% | 46.309% | [Redacted] | 727 | Yes | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $51,890.00 | 6.210% | $0.00 | 1.6 | None | No | No | 7.639% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 134.18 | No | No | $46,694.36 | $0.00 | No | No | No | No | 5 | 240 | AE | 02/25/2027 | $603,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225614107 | [Redacted] | [Redacted] | N/A | No | No | $670.07 | $670.07 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $839.04 | [Redacted] | $69.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 25.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225627851 | [Redacted] | [Redacted] | N/A | No | No | $1,878.00 | $6,491.23 | 7.263% | $2,533.19 | $2,533.19 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,290.32 | 1 | [Redacted] | $920.04 | [Redacted] | $76.67 | 35.766% | 35.766% | 35.766% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,878.00 | 6.300% | $0.00 | 5.0 | DU | ApproveEligible | Yes | No | 7.125% | 2 | 2 | 2 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 21.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.46 | No | No | $7,820.13 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225630163 | [Redacted] | [Redacted] | N/A | No | No | $682.91 | $682.91 | 6.990% | No | No | Foreign National | 1 | [Redacted] | $1,433.04 | [Redacted] | $119.42 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.86 | 0.34 | [Redacted] | [Redacted] | 32.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 2.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635150 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $6,807.21 | 7.338% | $3,820.19 | $3,820.19 | 7.250% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | US Citizen | $12,251.38 | 1 | [Redacted] | $1,654.92 | [Redacted] | $137.91 | 34.165% | 34.165% | 34.165% | [Redacted] | 693 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.370% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 20.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.02 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635156 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,910.00 | $5,039.02 | 6.988% | $2,233.56 | $2,233.56 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,562.41 | 1 | [Redacted] | $4,371.00 | [Redacted] | $364.25 | 36.282% | 36.282% | 36.282% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,910.00 | 6.220% | $2,600.00 | 4.1 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 249.87 | Yes | No | $7,364.38 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635159 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,494.00 | $4,482.57 | 6.980% | $2,101.84 | $2,101.84 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $21,031.08 | 1 | [Redacted] | $573.12 | [Redacted] | $47.76 | 23.613% | 23.613% | 23.613% | [Redacted] | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,494.00 | 6.320% | $7,500.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 253.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225635160 | [Redacted] | [Redacted] | Non QM | Yes | No | $45,239.00 | $65,488.18 | 7.325% | $23,580.15 | $23,580.15 | 7.125% | No | No | Self-Employed | US Citizen | $39,352.15 | 1 | [Redacted] | $17,346.84 | [Redacted] | $1,445.57 | 46.658% | 46.658% | 46.658% | [Redacted] | 720 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 26.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $45,239.00 | 6.260% | $0.00 | 4.4 | None | No | No | 7.125% | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.3 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639415 | [Redacted] | [Redacted] | N/A | No | No | $5,290.00 | $7,909.30 | 7.898% | $1,022.20 | $1,022.20 | 7.375% | No | No | Not Employed | Employed | US Citizen | $7,004.49 | 1 | [Redacted] | $321.96 | [Redacted] | $26.83 | 26.542% | 26.542% | 26.542% | [Redacted] | 748 | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,290.00 | 6.320% | $250.00 | 1.0 | None | No | No | 7.375% | 0 | 1 | 2 | 0 | 3 | 3 | 0.00 | No | [Redacted] | [Redacted] | 69.600% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.1 | No | No | $0.00 | $9,535.30 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639452 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,135.20 | $5,195.88 | 8.454% | $806.37 | $806.37 | 7.990% | No | No | Self-Employed | US Citizen | $3,625.73 | 1 | [Redacted] | $2,123.04 | [Redacted] | $176.92 | 44.790% | 44.790% | 44.790% | [Redacted] | 624 | No | Yes | 12 | Business | 85.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,135.20 | 6.370% | $0.00 | 1.7 | None | No | No | 7.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | Not Applicable | No | 70.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639469 | [Redacted] | [Redacted] | N/A | No | No | $5,518.20 | $5,518.20 | 6.875% | No | No | US Citizen | 3 | [Redacted] | $6,593.16 | [Redacted] | $549.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639536 | [Redacted] | [Redacted] | N/A | No | No | $56,975.00 | $26,718.09 | 8.294% | $4,195.29 | $4,460.92 | 8.139% | No | No | Not Employed | Self-Employed | US Citizen | $8,543.37 | 3 | [Redacted] | $6,200.04 | [Redacted] | $516.67 | 44.653% | 47.887% | 44.653% | [Redacted] | 772 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $56,975.00 | 6.140% | $0.00 | None | N/A | No | 8.139% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [Redacted] | [Redacted] | 40.300% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.23 | No | No | $15,436.08 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225639541 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,433.97 | $20,706.27 | 7.865% | $3,775.75 | $3,775.75 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,816.54 | 1 | [Redacted] | $3,462.36 | [Redacted] | $288.53 | 41.050% | 41.050% | 41.050% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,433.97 | 6.300% | $7,500.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645541 | [Redacted] | [Redacted] | N/A | No | No | $115,692.50 | $34,766.11 | 7.284% | $9,641.25 | $13,839.33 | 7.530% | No | No | Employed | US Citizen | $16,610.93 | 1 | [Redacted] | $2,608.32 | [Redacted] | $217.36 | 48.001% | 34.859% | 48.001% | [Redacted] | 779 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $115,692.50 | 5.930% | $0.00 | None | N/A | No | 7.530% | 1 | 2 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | No | 7 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 58.78 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645668 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,807.50 | $22,452.83 | 7.049% | $4,232.10 | $4,232.10 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $67,331.13 | 1 | [Redacted] | $2,334.00 | [Redacted] | $194.50 | 8.896% | 8.896% | 8.896% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,807.50 | 6.300% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.79 | No | $36,953.01 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225645669 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $525.00 | [Redacted] | $43.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225646760 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,227.50 | $14,080.25 | 6.688% | $4,108.44 | $4,108.44 | 6.500% | No | No | Self-Employed | US Citizen | $6,637.79 | 2 | [Redacted] | $3,979.20 | [Redacted] | $331.60 | 49.426% | 49.426% | 49.426% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,227.50 | 6.300% | $0.00 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 72.770% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 74.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225655549 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,524.38 | $22,148.48 | 7.184% | $6,729.39 | $6,729.39 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | Permanent Resident Alien | $29,806.64 | 1 | [Redacted] | $3,930.48 | [Redacted] | $327.54 | 27.067% | 27.067% | 27.067% | [Redacted] | 744 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 99.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,524.38 | 6.430% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 28.750% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 57.27 | Yes | No | $40,868.42 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657282 | [Redacted] | [Redacted] | N/A | No | No | $2,626.08 | $2,626.08 | 5.750% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 1 | [Redacted] | $1,503.00 | [Redacted] | $125.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 226.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657283 | [Redacted] | [Redacted] | N/A | No | No | $11,057.50 | $14,944.26 | 7.005% | $6,380.42 | $6,380.42 | 6.875% | No | No | Self-Employed | US Citizen | $95,369.45 | 1 | [Redacted] | $1,854.00 | [Redacted] | $154.50 | 12.564% | 12.564% | 12.564% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,057.50 | 5.980% | $0.00 | DU | ApproveIneligible | Yes | No | 6.875% | 2 | 2 | 0 | 3 | 1 | No | [Redacted] | [Redacted] | 60.470% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 101.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657625 | [Redacted] | [Redacted] | N/A | No | No | $2,993.05 | $2,993.05 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,413.36 | [Redacted] | $117.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.31 | [Redacted] | [Redacted] | 49.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225669956 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $6,437.94 | 7.758% | $10,475.35 | $10,749.72 | 7.893% | No | No | Self-Employed | US Citizen | $27,440.07 | 1 | [Redacted] | $4,838.40 | [Redacted] | $403.20 | 42.486% | 41.911% | 42.486% | [Redacted] | 736 | No | Yes | 48 | Business | 100.000% | 35.720% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.72% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.72% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.72% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.72% | Expense Ratio: 45.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 45.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 45.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 45.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 45.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $1,990.00 | 6.060% | $0.00 | 2.8 | None | No | No | 7.893% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.31 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670023 | [Redacted] | [Redacted] | N/A | No | No | $3,784.24 | $3,784.24 | 6.625% | No | No | 0 | US Citizen | 1 | [Redacted] | $1,143.96 | [Redacted] | $95.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670032 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $9,741.60 | 6.658% | $8,580.17 | $8,580.17 | 6.625% | No | No | Self-Employed | US Citizen | $28,593.16 | 1 | [Redacted] | $2,786.64 | [Redacted] | $232.22 | 48.156% | 48.156% | 48.156% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.300% | $5,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 58.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 60.45 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670033 | [Redacted] | [Redacted] | N/A | No | No | $2,669.85 | $2,669.85 | 5.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $1,659.96 | [Redacted] | $138.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 226.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670261 | [Redacted] | [Redacted] | N/A | No | No | $5,159.64 | $6,963.24 | 7.158% | $1,060.46 | $1,060.46 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | $38,435.82 | 1 | [Redacted] | $437.04 | [Redacted] | $36.42 | 44.783% | 44.783% | 44.783% | [Redacted] | 760 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,159.64 | 6.420% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 3 | 0 | 0 | 0 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 148.38 | No | No | $69,608.09 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670869 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,069.78 | $9,147.60 | 6.777% | $12,797.11 | $12,797.11 | 6.750% | No | No | Self-Employed | US Citizen | $38,876.01 | 1 | [Redacted] | $1,477.44 | [Redacted] | $123.12 | 30.790% | 30.790% | 30.790% | [Redacted] | 793 | No | Yes | 12 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,069.78 | 6.260% | $0.00 | 3.9 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 40.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225671501 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,740.00 | $19,237.99 | 7.382% | $8,424.88 | $8,424.88 | 7.250% | No | No | Self-Employed | US Citizen | $27,911.98 | 1 | [Redacted] | $3,998.04 | [Redacted] | $333.17 | 42.904% | 42.904% | 42.904% | [Redacted] | 763 | Yes | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,740.00 | 6.260% | $14,000.00 | 2.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 18.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225672789 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,567.47 | $11,621.48 | 7.812% | $1,880.71 | $1,880.71 | 7.375% | No | No | Self-Employed | US Citizen | $108,453.46 | 1 | [Redacted] | $1,214.04 | [Redacted] | $101.17 | 9.604% | 9.604% | 9.604% | [Redacted] | 673 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,567.47 | 6.370% | $0.00 | 2.5 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225672812 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,830.00 | $13,770.60 | 7.284% | $6,226.54 | $6,783.66 | 7.608% | No | No | Employed | Employed | Employed | 0.76 | US Citizen | US Citizen | US Citizen | $23,382.29 | 1 | [Redacted] | $1,887.96 | [Redacted] | $157.33 | 46.442% | 45.166% | 46.442% | [Redacted] | 723 | 700 | 769 | 711 | Level 2-Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,830.00 | 5.990% | $0.00 | 1.0 | None | Yes | No | 7.608% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | 47.930% | No | 14 | 38 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.66 | Yes | No | $0.00 | $27,732.59 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677348 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,033.16 | 7.056% | $2,248.11 | $2,248.11 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $13,149.62 | 1 | [Redacted] | $968.04 | [Redacted] | $80.67 | 37.103% | 37.103% | 37.103% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.260% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 776.4 | No | No | $9,213.45 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677352 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,283.90 | $13,171.90 | 6.815% | $1,774.29 | $1,774.29 | 6.375% | No | No | Employed | US Citizen | $2,786.46 | 1 | [Redacted] | $1,071.00 | [Redacted] | $89.25 | 47.407% | 47.407% | 47.407% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,283.90 | 6.260% | $0.00 | 1.0 | None | No | No | 6.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.93 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678179 | [Redacted] | [Redacted] | N/A | No | No | $17,985.00 | $25,324.40 | 6.638% | $9,797.05 | $9,797.05 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $76,735.96 | 1 | [Redacted] | $4,075.80 | [Redacted] | $339.65 | 27.664% | 27.664% | 27.664% | [Redacted] | 814 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,985.00 | 6.020% | $0.00 | 3.1 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 45.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683396 | [Redacted] | [Redacted] | N/A | No | No | $15,177.50 | $16,356.05 | 6.890% | $3,809.85 | $3,809.85 | 6.625% | No | No | Not Employed | Non-Employment Income | Employed | 8.98 | US Citizen | US Citizen | $20,334.53 | 2 | [Redacted] | $2,329.08 | [Redacted] | $194.09 | 41.385% | 41.385% | 41.385% | [Redacted] | 792 | 814 | 792 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $15,177.50 | 6.320% | $0.00 | None | No | No | 6.625% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.64 | No | No | $1,155.13 | $33,536.76 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225683821 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,085.00 | $15,254.25 | 6.914% | $5,577.94 | $5,577.94 | 6.750% | No | No | Self-Employed | US Citizen | $22,931.60 | 1 | [Redacted] | $4,071.48 | [Redacted] | $339.29 | 23.157% | 23.157% | 23.157% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,085.00 | 6.260% | $3,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 50.750% | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684736 | [Redacted] | [Redacted] | N/A | No | No | $2,126.82 | $2,126.82 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,430.04 | [Redacted] | $119.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.6 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 27.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684793 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,652.75 | $15,491.33 | 7.427% | $2,372.73 | $2,372.73 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $27,392.12 | 1 | [Redacted] | $2,691.00 | [Redacted] | $224.25 | 9.968% | 9.968% | 9.968% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,652.75 | 6.140% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 46.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225685957 | [Redacted] | [Redacted] | N/A | No | No | $13,450.00 | $18,422.00 | 7.640% | $5,935.42 | $8,564.79 | 7.843% | No | No | Not Employed | Self-Employed | US Citizen | $136,398.56 | 1 | [Redacted] | $1,507.32 | [Redacted] | $125.61 | 19.489% | 18.956% | 19.489% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,450.00 | 6.200% | $0.00 | 1.0 | None | No | No | 7.843% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 72.920% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.28 | No | No | $169,415.17 | $0.00 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689594 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,358.98 | 7.105% | $2,355.45 | $2,355.45 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,887.93 | 1 | [Redacted] | $960.00 | [Redacted] | $80.00 | 38.586% | 38.586% | 38.586% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.320% | $0.00 | 1.8 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 1 | No | [Redacted] | [Redacted] | 8.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 22.55 | No | No | $2,106.02 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689619 | [Redacted] | [Redacted] | N/A | No | No | $2,243.13 | $2,243.13 | 6.990% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $2,624.04 | [Redacted] | $218.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 35.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689876 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,801.26 | $5,542.46 | 6.683% | $5,478.68 | $5,478.68 | 6.625% | No | No | Self-Employed | US Citizen | $43,691.79 | 1 | [Redacted] | $5,088.12 | [Redacted] | $424.01 | 35.256% | 35.256% | 35.256% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,801.26 | 6.300% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 1 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.23 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225691028 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,670.00 | $4,677.11 | 6.823% | $3,243.00 | $3,243.00 | 6.750% | No | No | Self-Employed | US Citizen | $394,406.75 | 1 | [Redacted] | $1,122.24 | [Redacted] | $93.52 | 19.446% | 19.446% | 19.446% | [Redacted] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,670.00 | 6.260% | $1,100.00 | 2.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 176.8 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692669 | [Redacted] | [Redacted] | N/A | No | No | $752.23 | $752.23 | 7.750% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,233.00 | [Redacted] | $102.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | 734 | 748 | 709 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [Redacted] | [Redacted] | 3.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692678 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,365.00 | $29,363.70 | 8.054% | $7,070.99 | $7,070.99 | 7.750% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | US Citizen | $53,879.10 | 1 | [Redacted] | $3,825.96 | [Redacted] | $318.83 | 19.879% | 19.879% | 19.879% | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $26,365.00 | 6.410% | $0.00 | 1.7 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 58.06 | No | No | $67,247.40 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692681 | [Redacted] | [Redacted] | N/A | No | No | $75,232.19 | $29,084.59 | 6.926% | $6,074.95 | $6,074.95 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $34,549.02 | 1 | [Redacted] | $3,098.16 | [Redacted] | $258.18 | 40.769% | 40.769% | 40.769% | [Redacted] | 700 | No | Yes | 24 | Business | 100.000% | 50.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $75,232.19 | 6.410% | $0.00 | 3.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.65 | No | No | $40,946.15 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692752 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,094.69 | $5,249.41 | 8.528% | $2,707.76 | $2,707.76 | 8.375% | No | No | Self-Employed | US Citizen | $23,447.71 | 1 | [Redacted] | $1,303.68 | [Redacted] | $108.64 | 16.571% | 18.245% | 16.571% | [Redacted] | 657 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,094.69 | 6.200% | $14,450.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 12.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693510 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,355.00 | $24,212.05 | 7.600% | $4,791.61 | $4,791.61 | 7.250% | No | No | Self-Employed | US Citizen | $9,527.60 | 1 | [Redacted] | $1,589.76 | [Redacted] | $132.48 | 43.992% | 43.992% | 43.992% | [Redacted] | 797 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $19,355.00 | 6.420% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | [Redacted] | 23.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 17.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693972 | [Redacted] | [Redacted] | Non QM | Yes | No | $32,530.00 | $21,419.98 | 7.056% | $4,429.92 | $4,429.92 | 6.750% | No | No | Self-Employed | US Citizen | $11,933.29 | 1 | [Redacted] | $1,462.80 | [Redacted] | $121.90 | 39.160% | 39.160% | 39.160% | [Redacted] | 713 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $32,530.00 | 6.420% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 15.97 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225694980 | [Redacted] | [Redacted] | N/A | No | No | $11,386.14 | $5,265.54 | 9.278% | $1,294.28 | $1,294.28 | 8.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,146.28 | 1 | [Redacted] | $1,916.04 | [Redacted] | $159.67 | 43.735% | 43.735% | 43.735% | [Redacted] | 720 | No | Yes | 12 | Business | 77.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,386.14 | 6.410% | $0.00 | None | N/A | No | 8.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 49.010% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.19 | No | No | $0.00 | $2,471.23 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225697674 | [Redacted] | [Redacted] | N/A | No | No | $3,029.00 | $3,029.00 | 6.990% | No | No | US Citizen | 4 | [Redacted] | $4,868.76 | [Redacted] | $405.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | 240 | [Redacted] | [Redacted] | 50.100% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 121.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698073 | [Redacted] | [Redacted] | N/A | No | No | $15,090.00 | $4,201.38 | 7.561% | $1,554.02 | $1,554.02 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $192,562.46 | 1 | [Redacted] | $1,517.52 | [Redacted] | $126.46 | 10.939% | 10.939% | 10.939% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,090.00 | 6.420% | $0.00 | 2.6 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.38 | No | No | $216,213.69 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698093 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,786.60 | $10,726.05 | 7.175% | $2,364.95 | $2,364.95 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,038.59 | 1 | [Redacted] | $7,178.28 | [Redacted] | $598.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $8,786.60 | 6.420% | $0.00 | None | Yes | No | 6.875% | 2 | 0 | 1 | 0 | 3 | 3 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 408 | No | No | $993.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698098 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,984.25 | $8,867.25 | 8.147% | $3,067.89 | $3,067.89 | 7.990% | No | No | Self-Employed | US Citizen | $9,561.20 | 1 | [Redacted] | $838.08 | [Redacted] | $69.84 | 42.982% | 42.982% | 42.982% | [Redacted] | 754 | No | Yes | 12 | Personal | 72.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,984.25 | 6.420% | $8,000.00 | 3.1 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.920% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698100 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,548.88 | $3,145.87 | 9.136% | $1,844.96 | $1,844.96 | 8.990% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Nigeria | Nigeria | $3,990.41 | 1 | [Redacted] | $1,488.96 | [Redacted] | $124.08 | 43.750% | 43.750% | 43.750% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $5,548.88 | 6.260% | $16,200.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | 13.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 2.25 | No | $2,113.33 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698121 | [Redacted] | [Redacted] | N/A | No | No | $1,157.68 | $1,157.68 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $885.00 | [Redacted] | $73.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | 790 | 837 | 775 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [Redacted] | [Redacted] | 91.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 101.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225699245 | [Redacted] | [Redacted] | N/A | No | No | $2,651.88 | $2,651.88 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $878.04 | [Redacted] | $73.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 61.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702801 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,564.94 | 7.159% | $5,578.39 | $5,578.39 | 7.125% | No | No | Self-Employed | US Citizen | $85,997.45 | 1 | [Redacted] | $2,010.96 | [Redacted] | $167.58 | 12.433% | 12.433% | 12.433% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.420% | $0.00 | 3.8 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702883 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,702.50 | $9,107.97 | 7.182% | $2,475.63 | $3,292.47 | 6.990% | No | Yes | Not Employed | Non-Employment Income | US Citizen | US Citizen | $58,021.13 | 1 | [Redacted] | $9,759.24 | [Redacted] | $813.27 | 0.000% | 0.000% | 0.000% | 802 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $6,702.50 | 6.320% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1512.7 | No | No | $94,656.98 | $0.00 | No | No | No | No | 1 | 240 | X | 01/26/2027 | $1,971,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702884 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $7,144.53 | 7.063% | $1,865.68 | $1,865.68 | 6.875% | No | No | Employed | Not Employed | Employed | Employed | 2.49 | 5.67 | US Citizen | US Citizen | US Citizen | US Citizen | $22,897.79 | 1 | [Redacted] | $4,455.36 | [Redacted] | $371.28 | 35.904% | 35.904% | 35.904% | [Redacted] | 795 | 795 | 789 | 787 | 795 | 789 | 795 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.420% | $4,000.00 | 1.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 28 | 28 | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.61 | No | No | $0.00 | $26,071.65 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702886 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,236.00 | $3,592.96 | 8.135% | $848.33 | $848.33 | 7.875% | No | No | Employed | US Citizen | $4,088.17 | 1 | [Redacted] | $414.96 | [Redacted] | $34.58 | 24.718% | 24.718% | 24.718% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,236.00 | 6.420% | $0.00 | 2.1 | None | No | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 41.610% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702902 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,890.00 | $7,520.47 | 6.929% | $2,075.51 | $2,075.51 | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,646.08 | 1 | [Redacted] | $4,300.44 | [Redacted] | $358.37 | 39.425% | 39.425% | 39.425% | [Redacted] | 781 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,890.00 | 6.430% | $5,000.00 | 3.1 | None | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 62.310% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 120.28 | Yes | No | $3,607.11 | $4,197.38 | No | No | No | No | 2 | 360 | AO | 06/02/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225703740 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,945.00 | $4,610.08 | 6.464% | $1,046.72 | $1,046.72 | 6.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $3,855.23 | 1 | [Redacted] | $1,795.44 | [Redacted] | $149.62 | 28.234% | 28.234% | 28.234% | [Redacted] | 760 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,945.00 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 2 | 0 | 3 | 2 | 4.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization, Passport | No | 11.29 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225706297 | [Redacted] | [Redacted] | N/A | No | No | $9,355.00 | $9,877.95 | 7.155% | $2,286.11 | $2,286.11 | 6.875% | No | No | Self-Employed | US Citizen | $26,717.21 | 1 | [Redacted] | $1,355.04 | [Redacted] | $112.92 | 39.783% | 39.783% | 39.783% | [Redacted] | 794 | No | Yes | 12 | Personal | 100.000% | 0.490% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 0.49% | Expense Ratio: 0.44000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 0.49% | Expense Ratio: 0.44000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 0.49% | Expense Ratio: 0.44000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 0.49% | Expense Ratio: 0.44000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,355.00 | 6.300% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 2 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 44.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707044 | [Redacted] | [Redacted] | N/A | No | No | $39,390.00 | $11,478.20 | 7.118% | $4,187.18 | $4,187.18 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $189,500.41 | 1 | [Redacted] | $863.04 | [Redacted] | $71.92 | 12.355% | 12.355% | 12.355% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $39,390.00 | 6.420% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 147.48 | No | No | $216,213.69 | $0.00 | No | No | No | No | 2 | 360 | AE | 05/27/2027 | $1,624,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707296 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,623.00 | $22,513.25 | 7.587% | $4,005.74 | $4,005.74 | 7.250% | No | No | Self-Employed | US Citizen | $6,271.12 | 1 | [Redacted] | $2,450.04 | [Redacted] | $204.17 | 44.557% | 44.557% | 44.557% | [Redacted] | 712 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $17,623.00 | 6.420% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | 27.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225707822 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,747.85 | $5,582.57 | 6.990% | $1,521.94 | $1,521.94 | 6.750% | No | No | Self-Employed | US Citizen | $6,382.33 | 1 | [Redacted] | $1,068.12 | [Redacted] | $89.01 | 40.287% | 40.287% | 40.287% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,747.85 | 6.410% | $0.00 | 2.1 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225708341 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,307.96 | [Redacted] | $192.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 226.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710791 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,323.09 | $22,685.53 | 8.072% | $9,484.90 | $9,484.90 | 7.950% | No | No | Employed | Not Employed | US Citizen | $16,087.93 | 1 | [Redacted] | $1,262.04 | [Redacted] | $105.17 | 48.432% | 48.432% | 48.432% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,323.09 | 6.320% | $5,000.00 | 1.3 | DU | ApproveIneligible | Yes | No | 7.950% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 13 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.65 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710793 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,825.00 | $10,910.89 | 6.845% | $4,747.74 | $4,747.74 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,153.16 | 1 | [Redacted] | $2,287.56 | [Redacted] | $190.63 | 47.164% | 47.164% | 47.164% | [Redacted] | 779 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 65.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,825.00 | 6.320% | $2,750.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 31.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.99 | No | No | $4,461.66 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710794 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,352.50 | $9,642.66 | 7.205% | $1,905.09 | $1,905.09 | 6.875% | No | No | Employed | US Citizen | $3,264.60 | 1 | [Redacted] | $1,202.40 | [Redacted] | $100.20 | 47.702% | 47.702% | 47.702% | [Redacted] | 816 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,352.50 | 6.300% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 43.410% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225710998 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,581.25 | $9,562.88 | 7.561% | $2,077.23 | $2,077.23 | 7.250% | No | No | Self-Employed | US Citizen | $5,935.68 | 1 | [Redacted] | $1,286.88 | [Redacted] | $107.24 | 40.579% | 40.579% | 40.579% | [Redacted] | 694 | No | Yes | 12 | Business | 100.000% | 100.000% | Audited | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,581.25 | 6.410% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711916 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,230.00 | $6,950.00 | 7.743% | $1,678.11 | $1,678.11 | 7.500% | No | No | Self-Employed | US Citizen | $6,677.80 | 1 | [Redacted] | $2,334.24 | [Redacted] | $194.52 | 33.367% | 33.367% | 33.367% | [Redacted] | 722 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,230.00 | 6.600% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.96 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715538 | [Redacted] | [Redacted] | N/A | No | No | $4,779.47 | $4,779.47 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $1,888.80 | [Redacted] | $157.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | 27.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715592 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,744.75 | $7,865.61 | 8.141% | $1,035.50 | $1,035.50 | 7.625% | No | No | Self-Employed | US Citizen | $2,645.12 | 1 | [Redacted] | $1,665.96 | [Redacted] | $138.83 | 49.020% | 49.020% | 49.020% | [Redacted] | 662 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $6,744.75 | 6.430% | $0.00 | 1.8 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715593 | [Redacted] | [Redacted] | Non QM | Yes | No | $27,931.54 | $41,096.82 | 6.860% | $16,631.05 | $16,631.05 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $20,996.67 | 1 | [Redacted] | $3,426.00 | [Redacted] | $285.50 | 46.405% | 46.405% | 46.405% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Auto Allowance]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Auto Allowance]; Paystubs - 2025 [Coborrower(s) - | Non-Primary Income - Auto Allowance]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $27,931.54 | 6.430% | $0.00 | 1.8 | DU | ApproveIneligible | No | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 41.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.66 | No | $825.00 | $17,865.13 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225715736 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,189.00 | $13,304.00 | 9.499% | $2,766.35 | $2,766.35 | 9.125% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Peru | Peru | $5,174.13 | 1 | [Redacted] | $390.96 | [Redacted] | $32.58 | 43.990% | 43.990% | 43.990% | 714 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,189.00 | 6.260% | $51,000.00 | None | N/A | No | 9.125% | 0 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | 14.360% | No | 25 | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 5.97 | No | $0.00 | $3,146.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716074 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,995.00 | $13,044.13 | 7.004% | $6,700.67 | $6,700.67 | 6.875% | No | No | Self-Employed | US Citizen | $9,304.35 | 2 | [Redacted] | $2,918.04 | [Redacted] | $243.17 | 46.316% | 46.316% | 46.316% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,995.00 | 6.420% | $10,000.00 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716815 | [Redacted] | [Redacted] | N/A | No | No | $873.21 | $873.21 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $717.00 | [Redacted] | $59.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | [Redacted] | [Redacted] | 74.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | AE | $52,514,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716827 | [Redacted] | [Redacted] | N/A | No | No | $4,426.33 | $4,426.33 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $19,038.72 | [Redacted] | $1,586.56 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.47 | 0.4 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 83.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716875 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $12,408.56 | 7.002% | $13,259.39 | $13,259.39 | 6.990% | No | No | Self-Employed | US Citizen | $131,158.39 | 1 | [Redacted] | $14,564.04 | [Redacted] | $1,213.67 | 34.421% | 34.421% | 34.421% | [Redacted] | 723 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.410% | $0.00 | 3.1 | None | No | No | 6.990% | 2 | 0 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | 64.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.35 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | AE | 05/27/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716950 | [Redacted] | [Redacted] | N/A | No | No | $1,270.84 | $1,270.84 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $1,272.00 | [Redacted] | $106.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [Redacted] | [Redacted] | 35.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.86 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717008 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,065.44 | $7,994.18 | 7.132% | $2,007.57 | $2,007.57 | 6.875% | No | No | Self-Employed | US Citizen | $3,699.38 | 1 | [Redacted] | $2,835.96 | [Redacted] | $236.33 | 43.431% | 43.431% | 43.431% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,065.44 | 6.410% | $52,516.82 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 15.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717494 | [Redacted] | [Redacted] | N/A | No | No | $2,674.13 | $2,674.13 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,991.40 | [Redacted] | $165.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.3 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [Redacted] | [Redacted] | 83.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $25,750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718122 | [Redacted] | [Redacted] | N/A | No | No | $98,979.50 | $31,522.10 | 7.203% | $12,708.92 | $12,708.92 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $212,890.82 | 1 | [Redacted] | $2,809.56 | [Redacted] | $234.13 | 23.596% | 23.596% | 23.596% | [Redacted] | 722 | No | Yes | 12 | Business | 100.000% | 99.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $98,979.50 | 5.890% | $8,395.00 | 1.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 9.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.93 | No | No | $278,639.72 | $0.00 | No | No | No | No | 5 | 180 | AE | 01/10/2027 | $8,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225719296 | [Redacted] | [Redacted] | N/A | No | No | $8,045.50 | $9,102.76 | 7.018% | $4,394.85 | $4,394.85 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $40,411.94 | 3 | [Redacted] | $6,226.20 | [Redacted] | $518.85 | 24.296% | 24.296% | 24.296% | [Redacted] | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,045.50 | 6.300% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 23.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225720671 | [Redacted] | [Redacted] | N/A | No | No | $4,095.00 | $5,001.60 | 8.600% | $742.50 | $742.50 | 8.125% | No | No | Non-Employment Income | US Citizen | $8,000.21 | 1 | [Redacted] | $1,295.04 | [Redacted] | $107.92 | 34.578% | 34.578% | 34.578% | [Redacted] | 728 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | [Redacted] | 0 | 0 | 0 | [Redacted] | $4,095.00 | 6.600% | $7,500.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1093.79 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225721634 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,750.00 | $4,814.43 | 7.547% | $3,586.97 | $3,586.97 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $79,692.15 | 1 | [Redacted] | $2,275.32 | [Redacted] | $189.61 | 26.173% | 26.173% | 26.173% | [Redacted] | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,750.00 | 6.520% | $0.00 | 1.6 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225722870 | [Redacted] | [Redacted] | N/A | No | No | $4,095.00 | $4,627.11 | 8.558% | $742.50 | $742.50 | 8.125% | No | No | Not Employed | Non-Employment Income | US Citizen | $7,859.70 | 1 | [Redacted] | $1,170.00 | [Redacted] | $97.50 | 35.336% | 35.336% | 35.336% | [Redacted] | 728 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $4,095.00 | 6.600% | $7,500.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 907.31 | No | No | $11,981.65 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725584 | [Redacted] | [Redacted] | N/A | No | No | $805.03 | $805.03 | 6.990% | No | No | US Citizen | 3 | [Redacted] | $1,329.96 | [Redacted] | $110.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | [Redacted] | [Redacted] | 54.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725632 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $3,969.13 | 6.872% | $5,360.54 | $5,360.54 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $55,742.50 | 1 | [Redacted] | $4,166.04 | [Redacted] | $347.17 | 17.175% | 17.175% | 17.175% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.520% | $15,500.00 | None | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | [Redacted] | 100.000% | No | 28 | 28 | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 104.96 | No | No | $0.00 | $15,700.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725724 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,729.89 | $5,145.81 | 8.645% | $4,977.61 | $4,977.61 | 8.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $10,007.74 | 1 | [Redacted] | $1,275.96 | [Redacted] | $106.33 | 46.073% | 46.073% | 46.073% | [Redacted] | 663 | Yes | Yes | 12 | Business | 47.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,729.89 | 6.410% | $14,223.00 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 54.270% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.13 | No | No | $3,276.06 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727666 | [Redacted] | [Redacted] | N/A | No | No | $1,278.93 | $1,278.93 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $990.36 | [Redacted] | $82.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225728106 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,515.00 | $9,182.81 | 7.468% | $1,196.34 | $1,196.34 | 6.990% | No | No | Employed | US Citizen | $20,604.58 | 1 | [Redacted] | $1,143.00 | [Redacted] | $95.25 | 17.582% | 17.582% | 17.582% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,515.00 | 6.420% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.78 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 10/03/2026 | $3,860,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225730076 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $5,160.23 | 7.136% | $1,112.84 | $1,112.84 | 6.875% | No | No | Employed | US Citizen | $6,394.55 | 1 | [Redacted] | $489.96 | [Redacted] | $40.83 | 38.315% | 38.315% | 38.315% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.410% | $32,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 17.880% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225730878 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,565.00 | $11,502.30 | 7.447% | $6,734.08 | $6,734.08 | 7.375% | No | No | Self-Employed | US Citizen | $26,377.35 | 1 | [Redacted] | $7,989.00 | [Redacted] | $665.75 | 33.995% | 33.995% | 33.995% | [Redacted] | 721 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,565.00 | 6.600% | $0.00 | 3.7 | None | No | No | 7.375% | 0 | 2 | 0 | 3 | 3 | 3.00 | No | [Redacted] | [Redacted] | 33.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225732351 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,774.00 | $10,106.49 | 6.985% | $2,345.34 | $2,345.34 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,466.79 | 1 | [Redacted] | $1,095.00 | [Redacted] | $91.25 | 23.977% | 23.977% | 23.977% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,774.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 32.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225732581 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,747.50 | $15,437.04 | 9.295% | $2,914.45 | $2,914.45 | 8.875% | No | No | Self-Employed | Permanent Resident Alien | $12,947.71 | 1 | [Redacted] | $1,869.48 | [Redacted] | $155.79 | 40.772% | 40.772% | 40.772% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,747.50 | 6.600% | $12,210.00 | 2.9 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733533 | [Redacted] | [Redacted] | N/A | No | No | $2,528.27 | $2,528.27 | 6.500% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $5,391.96 | [Redacted] | $449.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | 782 | 782 | 774 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 318.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733540 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,454.95 | $5,991.00 | 7.234% | $985.39 | $985.39 | 6.875% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $5,750.49 | 1 | [Redacted] | $2,360.04 | [Redacted] | $196.67 | 41.098% | 41.098% | 41.098% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,454.95 | 6.410% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.25 | Yes | No | $4,330.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733542 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,067.50 | $10,500.85 | 7.067% | $2,913.48 | $2,913.48 | 6.875% | No | No | Employed | US Citizen | $6,622.48 | 1 | [Redacted] | $2,274.96 | [Redacted] | $189.58 | 43.236% | 43.236% | 43.236% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,067.50 | 6.600% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 46.670% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733566 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,665.94 | 6.405% | $3,690.55 | $3,690.55 | 6.375% | No | No | Employed | Employed | US Citizen | US Citizen | $21,080.52 | 1 | [Redacted] | $1,252.44 | [Redacted] | $104.37 | 43.692% | 43.692% | 43.692% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.410% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.375% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 90.820% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 165.84 | No | No | $0.00 | $6,837.50 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733568 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $2,901.94 | 6.981% | $1,261.30 | $1,261.30 | 6.875% | No | No | Employed | US Citizen | $8,640.04 | 1 | [Redacted] | $647.76 | [Redacted] | $53.98 | 30.580% | 30.580% | 30.580% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.260% | $8,160.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733572 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,623.38 | $13,647.19 | 7.257% | $2,940.99 | $2,940.99 | 6.990% | No | No | Self-Employed | US Citizen | $4,574.40 | 1 | [Redacted] | $3,759.00 | [Redacted] | $313.25 | 49.351% | 49.351% | 49.351% | [Redacted] | 724 | No | Yes | 24 | Business | 88.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,623.38 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225733620 | [Redacted] | [Redacted] | N/A | No | No | $2,341.23 | $2,341.23 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $7,788.60 | [Redacted] | $649.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redacted] | [Redacted] | 21.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734034 | [Redacted] | [Redacted] | N/A | No | No | $3,157.00 | $3,157.00 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $2,451.48 | [Redacted] | $204.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 44.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734262 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,398.33 | 6.684% | $4,046.77 | $4,046.77 | 6.625% | No | No | Employed | US Citizen | $10,763.06 | 1 | [Redacted] | $1,923.00 | [Redacted] | $160.25 | 36.995% | 36.995% | 36.995% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.410% | $527.64 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 34.870% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225734866 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,087.60 | $21,529.52 | 9.148% | $4,090.21 | $4,090.21 | 8.750% | No | No | Employed | US Citizen | $24,770.88 | 1 | [Redacted] | $384.96 | [Redacted] | $32.08 | 25.687% | 25.687% | 25.687% | [Redacted] | 669 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $17,087.60 | 6.600% | $0.00 | None | Yes | No | 8.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 41.680% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225735001 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,272.50 | $4,246.86 | 7.504% | $1,714.60 | $1,714.60 | 7.375% | No | No | Self-Employed | US Citizen | $7,653.42 | 1 | [Redacted] | $1,733.04 | [Redacted] | $144.42 | 47.970% | 47.970% | 47.970% | [Redacted] | 678 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,272.50 | 6.600% | $43,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | Yes | [Redacted] | [Redacted] | 26.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225735522 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,106.13 | $10,580.73 | 7.751% | $2,555.63 | $2,555.63 | 7.500% | No | No | Self-Employed | US Citizen | $7,717.72 | 1 | [Redacted] | $2,304.96 | [Redacted] | $192.08 | 31.444% | 31.444% | 31.444% | [Redacted] | 763 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,106.13 | 6.410% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 26.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225737899 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,180.00 | $15,482.08 | 6.878% | $5,577.94 | $5,577.94 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $5,753.57 | 1 | [Redacted] | $2,681.04 | [Redacted] | $223.42 | 54.774% | 54.774% | 54.774% | 763 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,180.00 | 6.260% | $5,000.00 | 1.0 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 31.110% | No | 16 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 8.6 | Yes | No | $0.00 | $5,974.85 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738248 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,473.75 | $8,572.12 | 6.724% | $3,809.86 | $3,809.86 | 6.625% | No | No | Self-Employed | US Citizen | $8,745.48 | 1 | [Redacted] | $855.96 | [Redacted] | $71.33 | 38.851% | 38.851% | 38.851% | [Redacted] | 775 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 35.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,473.75 | 6.410% | $720,000.00 | 2.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.740% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739467 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,013.75 | $11,280.43 | 6.772% | $11,123.46 | $11,123.46 | 6.750% | No | No | Self-Employed | US Citizen | $3,825,234.49 | 1 | [Redacted] | $8,043.00 | [Redacted] | $670.25 | 1.273% | 1.273% | 1.273% | [Redacted] | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $29,013.75 | 6.320% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.93 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739473 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,417.95 | $11,020.17 | 8.409% | $1,869.32 | $1,869.32 | 7.990% | No | No | Self-Employed | US Citizen | $6,815.89 | 1 | [Redacted] | $3,179.16 | [Redacted] | $264.93 | 35.487% | 35.487% | 35.487% | [Redacted] | 635 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,417.95 | 6.260% | $0.00 | 2.4 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739525 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $6,032.01 | 6.805% | $4,086.17 | $4,086.17 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $13,896.64 | 1 | [Redacted] | $4,584.96 | [Redacted] | $382.08 | 37.117% | 37.117% | 37.117% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 52.140% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.07 | Yes | No | $0.00 | $8,543.60 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225740845 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,736.13 | 6.986% | $1,576.63 | $1,576.63 | 6.875% | No | No | Self-Employed | US Citizen | $27,195.12 | 1 | [Redacted] | $2,416.68 | [Redacted] | $201.39 | 27.854% | 27.854% | 27.854% | [Redacted] | 759 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2014 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.600% | $0.00 | 1.9 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225741029 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,706.09 | $16,943.17 | 6.780% | $3,294.65 | $3,294.65 | 6.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,102.45 | 1 | [Redacted] | $963.00 | [Redacted] | $80.25 | 40.438% | 40.438% | 40.438% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $17,706.09 | 6.600% | $21,428.59 | None | No | No | 6.500% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 171.17 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744527 | [Redacted] | [Redacted] | Non QM | Yes | No | $46,857.50 | $7,308.98 | 6.999% | $9,072.21 | $9,072.21 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Armenia | $26,371.78 | 1 | [Redacted] | $7,322.04 | [Redacted] | $610.17 | 37.637% | 37.637% | 37.637% | [Redacted] | 724 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $46,857.50 | 6.260% | $54,131.09 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | 4.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 8.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744618 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,569.01 | 6.705% | $3,378.44 | $3,378.44 | 6.625% | No | No | Employed | US Citizen | $7,503.64 | 2 | [Redacted] | $1,803.96 | [Redacted] | $150.33 | 38.756% | 38.756% | 38.756% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.410% | $0.00 | None | No | No | 6.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 52.320% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745232 | [Redacted] | [Redacted] | N/A | No | No | $4,522.86 | $4,522.86 | 6.750% | No | No | 0 | Foreign National | Not Provided | 1 | [Redacted] | $1,758.60 | [Redacted] | $146.55 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | 32.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 8.38 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745237 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,470.33 | $5,352.71 | 8.534% | $2,086.40 | $2,086.40 | 8.375% | No | No | Self-Employed | US Citizen | $3,804.05 | 1 | [Redacted] | $1,317.96 | [Redacted] | $109.83 | 42.418% | 42.418% | 42.418% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,470.33 | 6.420% | $15,000.00 | 1.2 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745240 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,548.75 | $17,170.90 | 6.902% | $3,428.87 | $3,428.87 | 6.625% | No | No | Employed | Non-Permanent Resident Alien | United States of America | $4,880.80 | 1 | [Redacted] | $2,258.04 | [Redacted] | $188.17 | 46.168% | 46.168% | 46.168% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,548.75 | 6.320% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 7.43 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745400 | [Redacted] | [Redacted] | N/A | No | No | $1,567.50 | $1,567.50 | 7.125% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,435.80 | [Redacted] | $119.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745401 | [Redacted] | [Redacted] | N/A | No | No | $1,603.95 | $1,603.95 | 8.250% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 2 | [Redacted] | $1,125.00 | [Redacted] | $93.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | 26.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 98.98 | No | $0.00 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745402 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,060.41 | $11,997.66 | 7.479% | $1,551.47 | $1,551.47 | 6.990% | No | No | Self-Employed | US Citizen | $2,411.10 | 1 | [Redacted] | $4,122.96 | [Redacted] | $343.58 | 47.999% | 47.999% | 47.999% | [Redacted] | 618 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $10,060.41 | 6.120% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 68.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745403 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,990.00 | $10,075.30 | 8.549% | $2,366.49 | $2,366.49 | 8.250% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | $66,370.62 | 1 | [Redacted] | $3,110.16 | [Redacted] | $259.18 | 4.426% | 4.426% | 4.426% | [Redacted] | 578 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,990.00 | 6.090% | $0.00 | 1.5 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 88.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | 87.13 | No | $69,444.44 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745977 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,082.50 | $9,680.34 | 7.056% | $2,824.79 | $2,824.79 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,442.59 | 1 | [Redacted] | $2,917.92 | [Redacted] | $243.16 | 36.314% | 36.314% | 36.314% | [Redacted] | 752 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $13,082.50 | 6.600% | $0.00 | 1.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | [Redacted] | 41.780% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746046 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $5,277.33 | 7.436% | $5,350.93 | $5,989.37 | 7.888% | No | No | Non-Employment Income | US Citizen | $44,286.66 | 1 | [Redacted] | $3,001.68 | [Redacted] | $250.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 1 | 0 | 0 | [Redacted] | $1,495.00 | 6.200% | $2,500.00 | 1.0 | None | Yes | No | 7.888% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 357.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746072 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,900.29 | 7.466% | $1,050.55 | $1,050.55 | 7.250% | No | No | Self-Employed | US Citizen | $46,758.21 | 1 | [Redacted] | $315.00 | [Redacted] | $26.25 | 26.272% | 26.272% | 26.272% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.600% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 1 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 94.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.92 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746399 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,617.50 | $5,273.29 | 8.348% | $2,892.38 | $2,892.38 | 8.250% | No | No | Employed | US Citizen | $3,245.87 | 1 | [Redacted] | $1,197.96 | [Redacted] | $99.83 | 49.809% | 49.809% | 49.809% | [Redacted] | 663 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $16,617.50 | 6.600% | $193,110.54 | 1.0 | None | Yes | No | 8.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 4.920% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225749237 | [Redacted] | [Redacted] | N/A | No | No | $13,507.00 | $10,267.78 | 6.902% | $8,937.50 | $11,977.89 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $40,071.89 | 3 | [Redacted] | $9,248.52 | [Redacted] | $770.71 | 37.237% | 32.475% | 37.237% | [Redacted] | 799 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $13,507.00 | 6.410% | $50,000.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 162.87 | No | No | $63,846.32 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225749375 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $14,221.03 | 6.446% | $3,694.30 | $3,694.30 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $21,893.13 | 1 | [Redacted] | $2,301.96 | [Redacted] | $191.83 | 27.768% | 27.768% | 27.768% | [Redacted] | 793 | No | Yes | 12 | Business | 70.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.410% | $0.00 | 1.3 | None | No | No | 6.250% | 0 | 3 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 477.62 | Yes | No | $0.00 | $8,949.92 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225751130 | [Redacted] | [Redacted] | N/A | No | No | $3,768.46 | $3,768.46 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,082.00 | [Redacted] | $173.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [Redacted] | [Redacted] | 47.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225751142 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,115.00 | $23,446.55 | 7.408% | $4,958.57 | $4,958.57 | 7.125% | No | No | Self-Employed | US Citizen | $11,512.63 | 1 | [Redacted] | $1,773.96 | [Redacted] | $147.83 | 39.169% | 39.169% | 39.169% | [Redacted] | 734 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $17,115.00 | 6.600% | $40,000.00 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | 27.660% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225752973 | [Redacted] | [Redacted] | N/A | No | No | $713.46 | $713.46 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $735.96 | [Redacted] | $61.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | [Redacted] | 71.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754889 | [Redacted] | [Redacted] | Non QM | Yes | No | $27,585.20 | $33,238.38 | 6.097% | $7,070.06 | $7,070.06 | 5.875% | No | No | Self-Employed | US Citizen | $14,698.91 | 1 | [Redacted] | $3,150.96 | [Redacted] | $262.58 | 41.276% | 41.276% | 41.276% | [Redacted] | 763 | No | Yes | 12 | Business | 89.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $27,585.20 | 6.410% | $0.00 | 2.8 | None | Yes | No | 5.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 32.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225754893 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,405.00 | $5,588.02 | 6.671% | $4,149.22 | $4,149.22 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $20,160.85 | 1 | [Redacted] | $3,030.96 | [Redacted] | $252.58 | 28.688% | 28.688% | 28.688% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,405.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.625% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 53.350% | No | 28 | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.33 | No | No | $0.00 | $11,774.20 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757946 | [Redacted] | [Redacted] | N/A | No | No | $919.70 | $919.70 | 6.875% | No | No | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $907.20 | [Redacted] | $75.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | [Redacted] | 34.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $1,880,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225765830 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,982.00 | $14,147.43 | 7.790% | $5,053.65 | $5,053.65 | 7.625% | No | No | Self-Employed | US Citizen | $10,208.51 | 1 | [Redacted] | $2,508.12 | [Redacted] | $209.01 | 47.189% | 47.189% | 47.189% | [Redacted] | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,982.00 | 6.520% | $65,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767200 | [Redacted] | [Redacted] | N/A | No | No | $2,545.14 | $2,545.14 | 7.500% | No | No | US Citizen | 3 | [Redacted] | $2,738.04 | [Redacted] | $228.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 697 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767203 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,390.00 | $8,684.00 | 7.558% | $2,762.70 | $2,762.70 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $14,234.56 | 1 | [Redacted] | $2,160.00 | [Redacted] | $180.00 | 23.413% | 23.413% | 23.413% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,390.00 | 6.410% | $12,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 2.06 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767751 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,105.00 | $9,979.32 | 7.311% | $2,856.57 | $2,856.57 | 7.125% | No | No | Employed | US Citizen | $18,473.66 | 1 | [Redacted] | $4,749.96 | [Redacted] | $395.83 | 31.787% | 31.787% | 31.787% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $7,105.00 | 6.420% | $0.00 | 3.7 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225767838 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,534.78 | $2,466.23 | 6.578% | $1,355.15 | $1,355.15 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $18,675.54 | 1 | [Redacted] | $1,086.00 | [Redacted] | $90.50 | 32.550% | 32.550% | 32.550% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,534.78 | 6.600% | $16,079.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 21.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 13.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770326 | [Redacted] | [Redacted] | N/A | No | No | $1,200.64 | $1,200.64 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,512.00 | [Redacted] | $126.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770327 | [Redacted] | [Redacted] | N/A | No | No | $1,312.96 | $1,312.96 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,050.96 | [Redacted] | $87.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 665 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770366 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,294.44 | $8,084.94 | 7.409% | $1,712.93 | $1,712.93 | 7.125% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $38,346.65 | 1 | [Redacted] | $1,788.96 | [Redacted] | $149.08 | 21.496% | 21.496% | 21.496% | [Redacted] | 750 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,294.44 | 6.420% | $300.00 | 3.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 11.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.05 | Yes | No | $48,846.95 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770388 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,320.00 | $22,410.23 | 7.691% | $7,940.53 | $8,411.28 | 7.840% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $15,224.58 | 1 | [Redacted] | $2,327.28 | [Redacted] | $193.94 | 42.503% | 40.725% | 42.503% | [Redacted] | 765 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 14.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 14.70000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,320.00 | 6.090% | $0.00 | 1.0 | None | Yes | No | 7.840% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.760% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 7.91 | No | $6,554.38 | $0.00 | Yes | Yes | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770501 | [Redacted] | [Redacted] | N/A | No | No | $1,929.09 | $1,929.09 | 6.990% | No | No | 0 | 0 | US Citizen | US Citizen | 2 | [Redacted] | $4,010.76 | [Redacted] | $334.23 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | 797 | 797 | 797 | 777 | 796 | 802 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770527 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,490.96 | 6.911% | $4,040.11 | $4,040.11 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $14,278.42 | 1 | [Redacted] | $5,790.00 | [Redacted] | $482.50 | 36.775% | 36.775% | 36.775% | 762 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.420% | $7,748.44 | 3.4 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 52.430% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.5 | No | No | $0.00 | $14,583.34 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770843 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,796.00 | $3,932.85 | 8.619% | $2,060.69 | $2,060.69 | 8.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,994.38 | 1 | [Redacted] | $1,416.00 | [Redacted] | $118.00 | 37.164% | 37.164% | 37.164% | [Redacted] | 720 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - Year Not Available |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,796.00 | 6.420% | $6,000.00 | 1.0 | None | Yes | No | 8.500% | 0 | 2 | 0 | 3 | 1 | 4.97 | No | [Redacted] | [Redacted] | 1.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.45 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771366 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,226.00 | $6,316.46 | 9.231% | $864.90 | $864.90 | 8.625% | No | No | Employed | US Citizen | $3,055.95 | 1 | [Redacted] | $907.32 | [Redacted] | $75.61 | 46.712% | 46.712% | 46.712% | [Redacted] | 709 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,226.00 | 6.320% | $34,000.00 | 2.9 | None | N/A | No | 8.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 15.780% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771370 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,402.00 | $7,293.64 | 7.656% | $1,657.62 | $1,657.62 | 7.375% | No | No | Self-Employed | US Citizen | $7,888.55 | 1 | [Redacted] | $1,170.96 | [Redacted] | $97.58 | 34.228% | 34.228% | 34.228% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,402.00 | 6.260% | $7,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771992 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,920.00 | $7,741.25 | 9.089% | $4,598.33 | $4,598.33 | 8.990% | No | No | Self-Employed | US Citizen | $27,319.01 | 1 | [Redacted] | $2,591.40 | [Redacted] | $215.95 | 33.219% | 33.219% | 33.219% | [Redacted] | 655 | No | Yes | 12 | Business | 75.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,920.00 | 6.420% | $25,000.00 | 2.6 | None | No | No | 8.990% | 3 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 23.410% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771996 | [Redacted] | [Redacted] | N/A | No | No | $859.54 | $859.54 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $232.08 | [Redacted] | $19.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 626 | No | No | DSCR | 3 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225774905 | [Redacted] | [Redacted] | N/A | No | No | $1,984.69 | $1,984.69 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $3,711.12 | [Redacted] | $309.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 673 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AH | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775190 | [Redacted] | [Redacted] | N/A | No | Yes | $3,966.00 | $5,071.45 | 7.014% | $6,380.46 | $6,380.46 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,684.15 | 1 | [Redacted] | $1,527.00 | [Redacted] | $127.25 | 48.863% | 48.863% | 48.863% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,966.00 | 6.410% | $22,000.00 | 2.6 | DU | ApproveEligible | No | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 2 | No | [Redacted] | [Redacted] | 93.780% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.78 | No | No | $11,339.29 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775217 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,130.00 | $18,910.80 | 7.137% | $4,151.79 | $4,151.79 | 6.875% | No | No | Self-Employed | US Citizen | $8,474.04 | 1 | [Redacted] | $1,863.96 | [Redacted] | $155.33 | 42.743% | 42.743% | 42.743% | [Redacted] | 774 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $15,130.00 | 6.410% | $94,000.00 | 1.8 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | 18.180% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775220 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,439.00 | $4,077.55 | 9.658% | $1,929.76 | $1,929.76 | 9.500% | No | No | Self-Employed | US Citizen | $10,024.26 | 1 | [Redacted] | $2,793.00 | [Redacted] | $232.75 | 18.849% | 18.849% | 18.849% | [Redacted] | 711 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,439.00 | 6.600% | $10,000.00 | 1.0 | None | No | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.870% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775471 | [Redacted] | [Redacted] | N/A | No | No | $3,190.23 | $3,190.23 | 6.990% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $3,288.00 | [Redacted] | $274.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | 741 | 756 | 746 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 175.6 | No | $0.00 | $0.00 | No | No | No | No | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778200 | [Redacted] | [Redacted] | N/A | No | No | $2,221.45 | $2,221.45 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,546.56 | [Redacted] | $128.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | 36.050% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225778808 | [Redacted] | [Redacted] | N/A | No | No | $5,237.29 | $5,237.29 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,475.72 | [Redacted] | $206.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | [Redacted] | [Redacted] | 49.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225779422 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,485.00 | $8,635.44 | 7.579% | $5,593.72 | $5,593.72 | 7.500% | No | No | Self-Employed | US Citizen | $18,830.48 | 1 | [Redacted] | $7,836.24 | [Redacted] | $653.02 | 40.540% | 40.540% | 40.540% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 6 | 0 | 0 | [Redacted] | $5,485.00 | 6.410% | $10,000.00 | 3.5 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 14.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.04 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780090 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,065.00 | $3,377.54 | 7.569% | $682.18 | $682.18 | 7.250% | No | No | Non-Employment Income | US Citizen | $1,569.43 | 1 | [Redacted] | $2,389.68 | [Redacted] | $199.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,065.00 | 6.320% | $1,000.00 | 1.1 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 159.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780175 | [Redacted] | [Redacted] | N/A | No | No | $2,486.14 | $2,486.14 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,863.96 | [Redacted] | $155.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780179 | [Redacted] | [Redacted] | N/A | No | No | $969.75 | $969.75 | 6.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $630.00 | [Redacted] | $52.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [Redacted] | [Redacted] | 58.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780181 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,690.00 | $10,731.40 | 8.938% | $2,644.49 | $2,644.49 | 8.625% | No | No | Self-Employed | Self-Employed | US Citizen | Non-Permanent Resident Alien | Mexico | $8,089.41 | 1 | [Redacted] | $3,116.52 | [Redacted] | $259.71 | 33.280% | 33.280% | 33.280% | 751 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,690.00 | 6.420% | $10,000.00 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 2 | 0 | 2 | 2 | No | [Redacted] | [Redacted] | 13.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 7.57 | No | $7,221.08 | $0.00 | No | Yes | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780190 | [Redacted] | [Redacted] | N/A | No | No | $1,688.16 | $1,688.16 | 6.990% | No | No | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $963.96 | [Redacted] | $80.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 29.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780195 | [Redacted] | [Redacted] | N/A | No | No | $1,595.00 | $4,433.22 | 7.490% | $1,973.60 | $1,973.60 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $35,036.87 | 3 | [Redacted] | $1,752.00 | [Redacted] | $146.00 | 24.258% | 24.258% | 24.258% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.420% | $0.00 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 83.030% | No | 16 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.99 | No | No | $0.00 | $20,425.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780196 | [Redacted] | [Redacted] | N/A | No | No | $62,868.11 | $19,720.13 | 7.562% | $6,475.08 | $6,475.08 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $19,138.31 | 2 | [Redacted] | $1,851.48 | [Redacted] | $154.29 | 39.630% | 39.630% | 39.630% | [Redacted] | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $62,868.11 | 6.220% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.63 | No | No | $31,701.67 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780343 | [Redacted] | [Redacted] | N/A | No | No | $1,864.82 | $1,864.82 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,095.96 | [Redacted] | $91.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.95 | 1.04 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780583 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,435.40 | 6.672% | $2,894.21 | $2,894.21 | 6.625% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $7,617.23 | 1 | [Redacted] | $4,803.84 | [Redacted] | $400.32 | 43.570% | 43.570% | 43.570% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Projected Income]; Employment Contract - 2026 [Borrower - | Primary Income - Projected Income]; Other - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.420% | $0.00 | 3.8 | DU | ApproveEligible | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 41.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.76 | No | $7,336.62 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780616 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,036.55 | $21,542.86 | 7.155% | $4,641.20 | $4,641.20 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $7,967.03 | 1 | [Redacted] | $2,930.76 | [Redacted] | $244.23 | 43.327% | 43.327% | 43.327% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,036.55 | 6.520% | $20,000.00 | 2.6 | None | Yes | No | 6.875% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 28.200% | No | 3 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.97 | Yes | No | $0.00 | $2,795.72 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780632 | [Redacted] | [Redacted] | N/A | No | No | $2,982.40 | $2,982.40 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,448.96 | [Redacted] | $204.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | 777 | 786 | 781 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | 240 | [Redacted] | [Redacted] | 71.430% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 83.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780633 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,742.63 | $3,953.94 | 8.024% | $4,255.46 | $4,255.46 | 7.990% | No | No | Self-Employed | US Citizen | $10,741.06 | 1 | [Redacted] | $2,856.96 | [Redacted] | $238.08 | 36.889% | 36.889% | 36.889% | [Redacted] | 773 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,742.63 | 6.600% | $25,800.00 | 2.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 11.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780860 | [Redacted] | [Redacted] | N/A | No | No | $3,397.41 | $3,397.41 | 7.625% | No | No | US Citizen | US Citizen | 4 | [Redacted] | $2,123.04 | [Redacted] | $176.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [Redacted] | [Redacted] | 38.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225782052 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,101.49 | 6.700% | $3,867.48 | $3,867.48 | 6.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,703.66 | 1 | [Redacted] | $2,235.96 | [Redacted] | $186.33 | 42.223% | 42.223% | 42.223% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.420% | $2,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 38.480% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784244 | [Redacted] | [Redacted] | N/A | No | No | $1,036.01 | $1,036.01 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $876.00 | [Redacted] | $73.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784247 | [Redacted] | [Redacted] | N/A | No | No | $10,360.12 | $10,360.12 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $3,317.04 | [Redacted] | $276.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784252 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,908.75 | $9,863.50 | 7.091% | $2,652.35 | $2,652.35 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $23,439.49 | 1 | [Redacted] | $1,303.56 | [Redacted] | $108.63 | 30.303% | 30.303% | 30.303% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,908.75 | 6.410% | $11,875.00 | 2.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 38.920% | No | 27 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.05 | No | No | $0.00 | $22,963.69 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784254 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,399.00 | $0.00 | 7.088% | $2,634.24 | $2,634.24 | 7.125% | No | No | Self-Employed | US Citizen | $21,439.41 | 1 | [Redacted] | $557.04 | [Redacted] | $46.42 | 17.025% | 17.025% | 17.025% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,399.00 | 6.520% | $13,800.00 | 3.9 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 6.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784255 | [Redacted] | [Redacted] | N/A | No | No | $5,305.53 | $5,305.53 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,553.88 | [Redacted] | $129.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.9 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784258 | [Redacted] | [Redacted] | N/A | No | No | $1,621.50 | $1,621.50 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,874.28 | [Redacted] | $156.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.3 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.16 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225784261 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,356.00 | $8,481.18 | 7.143% | $3,163.64 | $3,163.64 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,615.19 | 1 | [Redacted] | $5,325.96 | [Redacted] | $443.83 | 43.143% | 43.143% | 43.143% | [Redacted] | 778 | Yes | Yes | 12 | Business | 66.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,356.00 | 6.420% | $1,750.00 | 3.2 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 162.23 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806638 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,288.20 | $6,589.58 | 8.620% | $1,351.60 | $1,351.60 | 8.250% | No | No | Self-Employed | US Citizen | $3,967.34 | 1 | [Redacted] | $763.44 | [Redacted] | $63.62 | 29.111% | 29.111% | 29.111% | [Redacted] | 666 | No | Yes | 12 | Business | 73.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,288.20 | 6.600% | $0.00 | 1.2 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806660 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,635.00 | $2,540.16 | 7.185% | $1,994.21 | $1,994.21 | 7.125% | No | No | Self-Employed | US Citizen | $4,039.04 | 1 | [Redacted] | $3,305.04 | [Redacted] | $275.42 | 41.486% | 41.486% | 41.486% | [Redacted] | 770 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,635.00 | 6.520% | $8,600.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 22.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806807 | [Redacted] | [Redacted] | N/A | No | No | $1,127.55 | $1,127.55 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $3,590.52 | [Redacted] | $299.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225809615 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,420.00 | $9,210.75 | 7.854% | $3,476.30 | $3,476.30 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,485.31 | 1 | [Redacted] | $2,406.00 | [Redacted] | $200.50 | 42.221% | 42.221% | 42.221% | [Redacted] | 697 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,420.00 | 5.980% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 7.500% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.3 | No | $0.00 | $6,612.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811760 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $1,875.98 | 6.893% | $2,754.17 | $2,754.17 | 6.875% | No | No | Self-Employed | US Citizen | $38,920.11 | 1 | [Redacted] | $989.04 | [Redacted] | $82.42 | 14.830% | 14.830% | 14.830% | [Redacted] | 780 | No | Yes | 24 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.420% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 40.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225811761 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,248.50 | $5,751.96 | 7.302% | $1,913.36 | $1,913.36 | 7.125% | No | No | Employed | US Citizen | $6,124.03 | 1 | [Redacted] | $3,107.52 | [Redacted] | $258.96 | 31.738% | 31.738% | 31.738% | [Redacted] | 718 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,248.50 | 6.510% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813131 | [Redacted] | [Redacted] | N/A | No | No | $14,784.38 | $3,488.12 | 7.738% | $1,808.41 | $1,808.41 | 7.625% | No | No | Self-Employed | US Citizen | $37,619.61 | 1 | [Redacted] | $2,394.96 | [Redacted] | $199.58 | 22.533% | 22.533% | 22.533% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,784.38 | 6.520% | $0.00 | 3.1 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.05 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813134 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,332.00 | $18,098.29 | 7.518% | $6,629.39 | $6,943.28 | 7.593% | No | No | Employed | US Citizen | $15,562.38 | 1 | [Redacted] | $5,699.40 | [Redacted] | $474.95 | 45.725% | 44.630% | 45.725% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,332.00 | 6.110% | $30,750.00 | 1.0 | None | Yes | No | 7.593% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 62.830% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813141 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,521.25 | $23,338.70 | 6.996% | $10,346.63 | $10,346.63 | 6.875% | No | No | Self-Employed | Not Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $20,254.65 | 1 | [Redacted] | $3,800.04 | [Redacted] | $316.67 | 48.189% | 48.189% | 48.189% | [Redacted] | 770 | 785 | 799 | 783 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,521.25 | 6.420% | $10,000.00 | 3.4 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 71.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814126 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $8,781.65 | 7.144% | $12,234.73 | $12,234.73 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $44,999.26 | 3 | [Redacted] | $2,774.04 | [Redacted] | $231.17 | 28.856% | 28.856% | 28.856% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.520% | $0.00 | LP / LPA | Accept/Ineligible | N/A | No | 7.125% | 2 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 44.040% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.59 | No | No | $0.00 | $15,249.49 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830101 | [Redacted] | [Redacted] | N/A | No | No | $1,622.18 | $1,622.18 | 7.500% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $3,504.96 | [Redacted] | $292.08 | 0.000% | 0.000% | 0.000% | 805 | 790 | 815 | 777 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [Redacted] | [Redacted] | 67.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830104 | [Redacted] | [Redacted] | N/A | No | No | $10,415.81 | $13,517.59 | 7.965% | $2,733.85 | $2,733.85 | 7.625% | No | No | Employed | Permanent Resident Alien | $14,859.55 | 1 | [Redacted] | $1,079.04 | [Redacted] | $89.92 | 28.674% | 28.674% | 28.674% | [Redacted] | 725 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,415.81 | 6.520% | $0.00 | 2.6 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 48.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 25.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830105 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,515.00 | $9,147.88 | 6.927% | $2,918.69 | $2,918.69 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $5,130.70 | 1 | [Redacted] | $2,295.96 | [Redacted] | $191.33 | 40.394% | 40.394% | 40.394% | 791 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,515.00 | 6.600% | $6,000.00 | 1.0 | None | Yes | No | 6.750% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 25.730% | No | 29 | 11 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.04 | No | $0.00 | $910.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830111 | [Redacted] | [Redacted] | N/A | No | No | $2,160.05 | $2,160.05 | 6.990% | No | No | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $3,042.00 | [Redacted] | $253.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.05 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830220 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,540.00 | $14,031.77 | 6.742% | $3,365.76 | $3,365.76 | 6.500% | No | No | Employed | US Citizen | $6,163.77 | 1 | [Redacted] | $2,388.36 | [Redacted] | $199.03 | 39.551% | 39.551% | 39.551% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,540.00 | 6.520% | $0.00 | 1.7 | None | No | No | 6.500% | 1 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 45.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830229 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,907.80 | $7,195.32 | 7.494% | $1,286.80 | $1,286.80 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $3,008.34 | 1 | [Redacted] | $1,968.00 | [Redacted] | $164.00 | 41.545% | 41.545% | 41.545% | [Redacted] | 748 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $4,907.80 | 6.320% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 4.67 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830233 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,251.05 | $10,681.51 | 9.399% | $2,201.09 | $2,201.09 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,154.16 | 1 | [Redacted] | $1,469.04 | [Redacted] | $122.42 | 35.511% | 35.511% | 35.511% | [Redacted] | 630 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,251.05 | 6.410% | $0.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 20.65 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830441 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $0.00 | 8.104% | $6,014.23 | $6,014.23 | 8.125% | No | No | Self-Employed | US Citizen | $8,896.72 | 1 | [Redacted] | $1,440.00 | [Redacted] | $120.00 | 44.773% | 44.773% | 44.773% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.79000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.090% | $13,893.41 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830502 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,657.10 | $31,350.71 | 8.468% | $20,483.95 | $20,483.95 | 8.375% | No | No | Employed | US Citizen | $930,189.50 | 1 | [Redacted] | $16,479.12 | [Redacted] | $1,373.26 | 2.878% | 2.878% | 2.878% | [Redacted] | 563 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $22,657.10 | 6.110% | $0.00 | 2.8 | None | No | No | 8.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 59.800% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831343 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,140.00 | $5,251.06 | 6.883% | $623.87 | $623.87 | 6.375% | No | No | Non-Employment Income | US Citizen | $3,609.97 | 1 | [Redacted] | $1,414.68 | [Redacted] | $117.89 | 47.629% | 47.629% | 47.629% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,140.00 | 6.320% | $0.00 | 4.5 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 94.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.33 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832175 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,505.00 | $5,654.00 | 7.739% | $10,068.69 | $10,405.71 | 7.840% | No | No | Self-Employed | US Citizen | $117,557.71 | 1 | [Redacted] | $2,747.52 | [Redacted] | $228.96 | 14.628% | 15.716% | 14.628% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,505.00 | 6.210% | $0.00 | None | N/A | No | 7.840% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 17.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832229 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,170.00 | $4,181.37 | 7.412% | $943.21 | $943.21 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $5,999.25 | 1 | [Redacted] | $999.00 | [Redacted] | $83.25 | 24.423% | 24.423% | 24.423% | [Redacted] | 641 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,170.00 | 6.410% | $57,100.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 32.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | 10.09 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | AE | 06/12/2027 | $75,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832233 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,185.62 | $4,847.08 | 8.183% | $4,935.54 | $4,935.54 | 8.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $1,708.45 | 1 | [Redacted] | $4,068.00 | [Redacted] | $339.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 690 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,185.62 | 6.510% | $0.00 | 4.9 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 359.87 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832701 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,574.00 | $4,346.51 | 6.940% | $3,448.88 | $3,448.88 | 6.875% | No | Yes | Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $19,799.62 | 1 | [Redacted] | $1,479.96 | [Redacted] | $123.33 | 43.429% | 43.429% | 43.429% | [Redacted] | 773 | 705 | 716 | 734 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 85.000% | 60.000% | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,574.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 1 | 0 | 3 | 1 | 12 | 0.00 | No | [Redacted] | [Redacted] | 18.220% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.82 | No | No | $29,853.08 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832737 | [Redacted] | [Redacted] | N/A | No | No | $5,116.32 | $5,116.32 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $4,551.60 | [Redacted] | $379.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832867 | [Redacted] | [Redacted] | N/A | No | No | $3,260.80 | $3,260.80 | 7.125% | No | No | US Citizen | 4 | [Redacted] | $3,034.56 | [Redacted] | $252.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | 24.580% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832930 | [Redacted] | [Redacted] | N/A | No | No | $677.46 | $677.46 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $1,466.04 | [Redacted] | $122.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.06 | 0.48 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 119.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833135 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $5,330.50 | 6.769% | $2,113.03 | $2,113.03 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,252.73 | 1 | [Redacted] | $3,621.00 | [Redacted] | $301.75 | 44.993% | 44.993% | 44.993% | [Redacted] | 783 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.600% | $1,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 8.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.73 | No | No | $2,052.75 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833138 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,595.00 | $8,827.10 | 6.985% | $4,598.50 | $4,598.50 | 6.875% | No | No | Employed | US Citizen | $27,217.03 | 1 | [Redacted] | $7,879.68 | [Redacted] | $656.64 | 24.919% | 24.919% | 24.919% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,595.00 | 6.520% | $0.00 | 2.4 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 85.480% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 213.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833625 | [Redacted] | [Redacted] | N/A | No | No | $643.88 | $643.88 | 8.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,325.04 | [Redacted] | $110.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [Redacted] | [Redacted] | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.99 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225837803 | [Redacted] | [Redacted] | N/A | No | No | $2,065.48 | $2,065.48 | 7.500% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,775.04 | [Redacted] | $147.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838106 | [Redacted] | [Redacted] | N/A | No | No | $24,294.00 | $6,340.49 | 7.641% | $2,712.95 | $2,712.95 | 7.500% | No | No | Self-Employed | US Citizen | $594,340.77 | 1 | [Redacted] | $750.00 | [Redacted] | $62.50 | 7.205% | 7.205% | 7.205% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $24,294.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 424.38 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838644 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,506.00 | $4,781.76 | 7.634% | $818.61 | $818.61 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $8,894.40 | 1 | [Redacted] | $1,187.04 | [Redacted] | $98.92 | 36.803% | 36.803% | 36.803% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,506.00 | 6.370% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 46.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 27.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225838648 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $1,781.09 | 7.423% | $1,933.89 | $1,933.89 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $17,409.61 | 1 | [Redacted] | $2,858.04 | [Redacted] | $238.17 | 27.095% | 27.095% | 27.095% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.600% | $8,000.00 | 3.4 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 24.400% | No | 28 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.62 | No | No | $0.00 | $16,512.30 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839140 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,459.13 | $16,336.11 | 7.235% | $4,237.02 | $4,237.02 | 6.990% | No | No | Self-Employed | US Citizen | $28,705.91 | 1 | [Redacted] | $1,332.24 | [Redacted] | $111.02 | 15.989% | 15.989% | 15.989% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,459.13 | 6.420% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839157 | [Redacted] | [Redacted] | N/A | No | No | $1,385.36 | $1,385.36 | 6.250% | No | No | US Citizen | 1 | [Redacted] | $2,190.12 | [Redacted] | $182.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 264.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839161 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,404.75 | $8,193.08 | 8.143% | $1,531.33 | $1,531.33 | 7.750% | No | No | Self-Employed | US Citizen | $4,117.58 | 1 | [Redacted] | $2,632.56 | [Redacted] | $219.38 | 49.811% | 49.811% | 49.811% | [Redacted] | 680 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,404.75 | 6.260% | $0.00 | 2.8 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839170 | [Redacted] | [Redacted] | N/A | No | No | $1,573.23 | $1,573.23 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,926.20 | [Redacted] | $243.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840216 | [Redacted] | [Redacted] | N/A | No | No | $6,852.30 | $6,852.30 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,141.04 | [Redacted] | $178.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840556 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,025.00 | 6.866% | $3,419.41 | $3,419.41 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $11,235.25 | 1 | [Redacted] | $870.00 | [Redacted] | $72.50 | 48.521% | 48.521% | 48.521% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.300% | $0.00 | 2.5 | None | N/A | No | 6.750% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 29.900% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.65 | Yes | No | $0.00 | $16,625.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840588 | [Redacted] | [Redacted] | N/A | No | No | $8,840.00 | $4,541.10 | 7.965% | $699.21 | $699.21 | 7.500% | No | No | Employed | US Citizen | $595,970.76 | 1 | [Redacted] | $717.24 | [Redacted] | $59.77 | 6.951% | 6.951% | 6.951% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,840.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1680.3 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225840594 | [Redacted] | [Redacted] | N/A | No | No | $1,696.14 | $1,696.14 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,125.08 | [Redacted] | $177.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [Redacted] | [Redacted] | 31.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225841073 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,014.40 | $6,968.01 | 7.359% | $1,196.34 | $1,196.34 | 6.990% | No | No | Self-Employed | US Citizen | $3,203.23 | 1 | [Redacted] | $1,185.96 | [Redacted] | $98.83 | 30.836% | 30.836% | 30.836% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,014.40 | 6.600% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 31.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225842161 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,614.25 | $5,789.93 | 7.424% | $6,402.56 | $6,402.56 | 7.375% | No | No | Self-Employed | US Citizen | $31,675.94 | 1 | [Redacted] | $1,124.04 | [Redacted] | $93.67 | 28.516% | 28.516% | 28.516% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $26,614.25 | 6.510% | $29,900.00 | 1.5 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.66 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225842328 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,606.90 | $3,845.64 | 6.773% | $6,496.36 | $6,496.36 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | Permanent Resident Alien | $19,176.38 | 1 | [Redacted] | $3,186.48 | [Redacted] | $265.54 | 36.205% | 36.205% | 36.205% | [Redacted] | 812 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,606.90 | 6.520% | $8,500.00 | 1.5 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 36.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 30.49 | Yes | No | $30,059.51 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843149 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,147.35 | $10,905.07 | 8.419% | $2,801.44 | $2,801.44 | 8.125% | No | No | Non-Employment Income | US Citizen | $23,245.41 | 1 | [Redacted] | $3,804.96 | [Redacted] | $317.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 641 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $9,147.35 | 6.320% | $5,000.00 | 1.1 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 376.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225843796 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,665.00 | $8,604.38 | 7.235% | $4,716.03 | $4,716.03 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $12,724.40 | 1 | [Redacted] | $4,248.00 | [Redacted] | $354.00 | 33.408% | 33.408% | 33.408% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $11,665.00 | 6.520% | $30,000.00 | 2.9 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 295.29 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844293 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,076.18 | 6.614% | $1,474.18 | $1,474.18 | 6.500% | No | No | Self-Employed | US Citizen | $8,800.68 | 1 | [Redacted] | $1,353.84 | [Redacted] | $112.82 | 49.691% | 49.691% | 49.691% | [Redacted] | 705 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | [Redacted] | $1,490.00 | 6.510% | $3,498.08 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225844304 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,191.86 | 6.948% | $3,915.30 | $3,915.30 | 6.875% | No | Yes | Employed | Employed | US Citizen | US Citizen | $14,876.83 | 1 | [Redacted] | $483.48 | [Redacted] | $40.29 | 48.791% | 48.791% | 48.791% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.600% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 37.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.35 | No | No | $0.00 | $21,551.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845950 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,363.50 | $15,647.93 | 7.034% | $17,994.22 | $17,994.22 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $583,147.68 | 1 | [Redacted] | $7,633.20 | [Redacted] | $636.10 | 4.105% | 4.105% | 4.105% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 68.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 68.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 68.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 68.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,363.50 | 6.600% | $0.00 | 1.4 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 53.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 110.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845953 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,274.41 | $3,389.24 | 8.243% | $2,032.21 | $2,032.21 | 8.125% | No | No | Self-Employed | Non-Permanent Resident Alien | Venezuela (Bolivarian Republic of) | $3,841.73 | 1 | [Redacted] | $1,550.28 | [Redacted] | $129.19 | 41.096% | 41.096% | 41.096% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $5,274.41 | 6.320% | $22,500.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 1 | No | [Redacted] | [Redacted] | 15.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 4.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847205 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,053.00 | $4,551.14 | 9.308% | $5,256.90 | $5,256.90 | 9.250% | No | No | Employed | Employed | US Citizen | US Citizen | $11,695.91 | 1 | [Redacted] | $1,814.04 | [Redacted] | $151.17 | 42.903% | 42.903% | 42.903% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,053.00 | 6.520% | $59,000.00 | 1.0 | None | Yes | No | 9.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 31.710% | No | 4 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.98 | No | No | $0.00 | $6,387.07 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847232 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,790.00 | $10,610.20 | 7.152% | $3,987.79 | $3,987.79 | 6.990% | No | No | Non-Employment Income | US Citizen | $24,967.27 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $8,790.00 | 6.300% | $0.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 304.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847325 | [Redacted] | [Redacted] | N/A | No | No | $2,021.16 | $2,021.16 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,516.04 | [Redacted] | $209.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | [Redacted] | [Redacted] | 11.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847340 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,635.00 | $32,683.23 | 7.564% | $6,985.49 | $6,985.49 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Ecuador | $15,048.54 | 2 | [Redacted] | $3,350.16 | [Redacted] | $279.18 | 35.904% | 35.904% | 35.904% | [Redacted] | 745 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $29,635.00 | 6.510% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | 27.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 6.38 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847394 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,179.69 | $8,773.93 | 6.829% | $6,173.03 | $6,173.03 | 6.750% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $43,160.09 | 1 | [Redacted] | $11,816.52 | [Redacted] | $984.71 | 30.530% | 30.530% | 30.530% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,179.69 | 6.420% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.750% | 2 | 2 | 2 | 0 | 3 | 1 | 0.00 | No | No | [Redacted] | [Redacted] | 36.400% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.21 | No | No | $57,273.86 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847399 | [Redacted] | [Redacted] | N/A | No | No | $1,162.67 | $1,162.67 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,061.00 | [Redacted] | $171.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 222.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847561 | [Redacted] | [Redacted] | N/A | No | No | $718.30 | $718.30 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $825.00 | [Redacted] | $68.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225847975 | [Redacted] | [Redacted] | N/A | No | No | $1,457.72 | $1,457.72 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $440.04 | [Redacted] | $36.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 32.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849269 | [Redacted] | [Redacted] | N/A | No | No | $12,164.00 | $4,572.55 | 7.773% | $1,174.68 | $1,174.68 | 7.500% | No | No | Self-Employed | US Citizen | $580,605.01 | 1 | [Redacted] | $600.96 | [Redacted] | $50.08 | 9.350% | 9.350% | 9.350% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,164.00 | 6.600% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1244.85 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849626 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,310.00 | $8,339.01 | 7.239% | $2,126.82 | $2,126.82 | 6.990% | No | No | Employed | Non-Employment Income | US Citizen | Permanent Resident Alien | $2,700.58 | 1 | [Redacted] | $2,465.04 | [Redacted] | $205.42 | 49.402% | 49.402% | 49.402% | [Redacted] | 702 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,310.00 | 6.520% | $0.00 | 1.9 | None | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 49.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 103.34 | Yes | No | $2,227.51 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849640 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,338.84 | $8,013.66 | 7.529% | $3,415.64 | $3,415.64 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $11,446.12 | 1 | [Redacted] | $1,127.16 | [Redacted] | $93.93 | 42.326% | 42.326% | 42.326% | [Redacted] | 746 | No | Yes | 24 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,338.84 | 6.510% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 39.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 53.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849646 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,481.00 | $415.82 | 7.123% | $2,775.72 | $2,775.72 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $19,177.28 | 1 | [Redacted] | $1,055.04 | [Redacted] | $87.92 | 20.683% | 20.683% | 20.683% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,481.00 | 6.120% | $23,000.00 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 34.960% | No | 29 | 29 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.38 | No | $0.00 | $12,877.50 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849650 | [Redacted] | [Redacted] | N/A | No | No | $1,802.66 | $1,802.66 | 7.375% | No | No | 0 | Foreign National | Not Provided | 1 | [Redacted] | $711.96 | [Redacted] | $59.33 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | [Redacted] | [Redacted] | 70.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 61.58 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849651 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,280.00 | $14,444.14 | 7.403% | $2,323.55 | $2,323.55 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $6,035.80 | 1 | [Redacted] | $2,197.44 | [Redacted] | $183.12 | 33.104% | 33.104% | 33.104% | [Redacted] | 715 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,280.00 | 6.600% | $12,000.00 | 2.8 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 13.780% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Employment Authorization | 3.82 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849652 | [Redacted] | [Redacted] | N/A | No | No | $1,199.51 | $1,199.51 | 8.500% | No | No | US Citizen | 2 | [Redacted] | $1,156.08 | [Redacted] | $96.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849662 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $1,402.00 | 7.534% | $2,254.97 | $2,254.97 | 7.500% | No | No | Self-Employed | US Citizen | $9,163.63 | 1 | [Redacted] | $666.96 | [Redacted] | $55.58 | 37.932% | 37.932% | 37.932% | [Redacted] | 806 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.260% | $0.00 | 1.2 | None | N/A | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | Closed End | No | [Redacted] | [Redacted] | 21.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 01/02/2027 | $50,250.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849663 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,248.75 | $6,061.53 | 6.833% | $1,106.12 | $1,106.12 | 6.500% | No | Yes | Not Employed | Employed | US Citizen | US Citizen | $17,510.02 | 1 | [Redacted] | $1,400.04 | [Redacted] | $116.67 | 10.232% | 10.232% | 10.232% | [Redacted] | 762 | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,248.75 | 6.420% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | No | 49 | No | No | $0.00 | $19,505.75 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849667 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,003.00 | $5,987.20 | 8.385% | $1,767.14 | $1,767.14 | 8.125% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $11,115.68 | 1 | [Redacted] | $1,044.00 | [Redacted] | $87.00 | 42.999% | 42.999% | 42.999% | [Redacted] | 758 | 744 | 746 | 749 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Personal | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,003.00 | 6.520% | $5,800.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 37.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.5 | No | No | $19,500.70 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849677 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,970.10 | $2,936.75 | 6.813% | $2,597.64 | $2,597.64 | 6.750% | No | No | Self-Employed | US Citizen | $8,093.30 | 1 | [Redacted] | $947.04 | [Redacted] | $78.92 | 38.310% | 38.310% | 38.310% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,970.10 | 6.600% | $7,578.25 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.42 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849679 | [Redacted] | [Redacted] | N/A | No | No | $2,181.55 | $2,181.55 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,853.28 | [Redacted] | $154.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | [Redacted] | 22.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849794 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,295.66 | $2,677.62 | 9.006% | $8,057.22 | $8,057.22 | 8.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $117,060.90 | 1 | [Redacted] | $4,762.80 | [Redacted] | $396.90 | 16.313% | 16.313% | 16.313% | [Redacted] | 700 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $4,295.66 | 6.510% | $25,000.00 | 1.0 | None | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 14.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849796 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,343.67 | $9,328.88 | 7.856% | $1,841.84 | $1,841.84 | 7.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,833.32 | 1 | [Redacted] | $2,316.72 | [Redacted] | $193.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $8,343.67 | 6.420% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 239.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849803 | [Redacted] | [Redacted] | N/A | No | No | $16,227.50 | $5,316.90 | 7.475% | $1,575.83 | $1,575.83 | 7.250% | No | No | Self-Employed | US Citizen | $581,309.26 | 1 | [Redacted] | $675.00 | [Redacted] | $56.25 | 9.240% | 9.240% | 9.240% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,227.50 | 6.570% | $0.00 | 1.3 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1285.43 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850048 | [Redacted] | [Redacted] | N/A | No | No | $1,532.31 | $1,532.31 | 6.750% | No | No | 0 | US Citizen | 1 | [Redacted] | $1,214.04 | [Redacted] | $101.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 98.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 95.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850872 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,376.25 | $3,103.25 | 8.811% | $3,510.65 | $3,510.65 | 8.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,809.71 | 1 | [Redacted] | $3,096.96 | [Redacted] | $258.08 | 37.971% | 41.749% | 37.971% | [Redacted] | 713 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,376.25 | 6.230% | $15,000.00 | 3.5 | None | Yes | No | 8.750% | 2 | 2 | 0 | 2 | 2 | 5.23 | No | [Redacted] | [Redacted] | 21.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 7.86 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850875 | [Redacted] | [Redacted] | N/A | No | No | $4,214.00 | $5,268.05 | 7.141% | $2,179.99 | $2,179.99 | 6.990% | No | No | Non-Employment Income | US Citizen | $4,372.56 | 1 | [Redacted] | $474.00 | [Redacted] | $39.50 | 42.745% | 42.745% | 42.745% | [Redacted] | 801 | No | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,214.00 | 6.410% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 88.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850877 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,640.00 | $10,333.94 | 7.423% | $3,244.12 | $3,778.85 | 7.899% | No | No | Self-Employed | US Citizen | $22,373.93 | 1 | [Redacted] | $2,116.80 | [Redacted] | $176.40 | 24.085% | 24.405% | 24.085% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,640.00 | 6.190% | $0.00 | 1.2 | None | Yes | No | 7.899% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 51.610% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850900 | [Redacted] | [Redacted] | N/A | No | No | $1,952.50 | $3,411.50 | 7.529% | $1,450.42 | $1,450.42 | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $17,823.50 | 1 | [Redacted] | $2,332.56 | [Redacted] | $194.38 | 45.689% | 45.689% | 45.689% | [Redacted] | 733 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,952.50 | 6.410% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 377.5 | No | No | $16,578.10 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850912 | [Redacted] | [Redacted] | N/A | No | No | $1,224.49 | $1,224.49 | 8.500% | No | No | US Citizen | 1 | [Redacted] | $6,513.96 | [Redacted] | $542.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 649 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850967 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,840.00 | $4,869.81 | 6.709% | $3,201.55 | $3,201.55 | 6.625% | No | No | Self-Employed | US Citizen | $11,722.93 | 1 | [Redacted] | $1,293.96 | [Redacted] | $107.83 | 41.566% | 41.566% | 41.566% | [Redacted] | 797 | No | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,840.00 | 6.420% | $11,900.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 0 | 1 | 0 | 2 | 0 | No | Not Stated | [Redacted] | [Redacted] | 55.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 111.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225850969 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,220.00 | $5,079.61 | 7.134% | $1,248.16 | $1,248.16 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $6,679.34 | 1 | [Redacted] | $1,727.40 | [Redacted] | $143.95 | 19.950% | 19.950% | 19.950% | [Redacted] | 675 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $9,220.00 | 6.570% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 2 | 0 | 3 | 2 | 4.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 53.09 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225851009 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,574.44 | 7.024% | $5,231.38 | $5,231.38 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $15,479.60 | 1 | [Redacted] | $2,177.04 | [Redacted] | $181.42 | 32.817% | 32.817% | 32.817% | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.570% | $2,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 38.810% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.06 | No | No | $0.00 | $13,413.32 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225851572 | [Redacted] | [Redacted] | N/A | No | No | $1,691.80 | $1,691.80 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,336.44 | [Redacted] | $111.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225851595 | [Redacted] | [Redacted] | N/A | No | No | $1,847.16 | $1,847.16 | 6.250% | No | No | US Citizen | 1 | [Redacted] | $1,347.96 | [Redacted] | $112.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [Redacted] | [Redacted] | 88.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 62 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852422 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $8,430.64 | 7.437% | $7,701.03 | $7,701.03 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $10,896.40 | 1 | [Redacted] | $3,693.84 | [Redacted] | $307.82 | 46.921% | 46.921% | 46.921% | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.570% | $66,061.44 | 2.8 | None | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [Redacted] | [Redacted] | 23.220% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.51 | No | No | $0.00 | $4,863.58 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852424 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,168.13 | $14,825.38 | 7.764% | $3,933.08 | $3,933.08 | 7.500% | No | No | Self-Employed | US Citizen | $37,797.51 | 1 | [Redacted] | $1,638.96 | [Redacted] | $136.58 | 18.326% | 18.326% | 18.326% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,168.13 | 6.570% | $4,000.00 | 2.2 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852463 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,635.31 | 7.065% | $6,573.51 | $7,364.71 | 7.630% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,132.41 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 49.888% | 47.083% | 49.888% | [Redacted] | 816 | Yes | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - 2025 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.080% | $0.00 | 1.9 | None | Yes | No | 7.630% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 161.9 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852467 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,670.96 | 7.526% | $8,223.46 | $8,223.46 | 7.500% | No | No | Self-Employed | US Citizen | $21,783.77 | 1 | [Redacted] | $3,251.04 | [Redacted] | $270.92 | 36.715% | 36.715% | 36.715% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $0.00 | 2.3 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853593 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $7,299.00 | $2,696.54 | 8.191% | $2,732.39 | $2,732.39 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $9,572.49 | 1 | [Redacted] | $684.00 | [Redacted] | $57.00 | 48.552% | 48.552% | 48.552% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,299.00 | 6.510% | $25,000.00 | 1.0 | None | No | No | 8.125% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 15.860% | No | 8 | 3 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.3 | No | No | $0.00 | $5,026.67 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853639 | [Redacted] | [Redacted] | N/A | No | No | $912.07 | $912.07 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $2,055.36 | [Redacted] | $171.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.55 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853771 | [Redacted] | [Redacted] | Non QM | Yes | No | $54,290.00 | $58,116.10 | 7.283% | $23,580.15 | $23,580.15 | 7.125% | No | No | Self-Employed | US Citizen | $593,061.99 | 1 | [Redacted] | $8,904.00 | [Redacted] | $742.00 | 7.405% | 7.405% | 7.405% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $54,290.00 | 6.520% | $0.00 | 4.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.04 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853796 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,960.00 | $5,709.80 | 7.929% | $2,263.86 | $2,263.86 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $9,293.57 | 1 | [Redacted] | $1,314.36 | [Redacted] | $109.53 | 25.526% | 25.526% | 25.526% | [Redacted] | 755 | No | Yes | 24 | Personal, Business | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,960.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 1 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 28.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 5.31 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853801 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,918.41 | $17,152.18 | 7.212% | $4,951.17 | $4,951.17 | 6.990% | No | No | Self-Employed | US Citizen | $10,338.20 | 1 | [Redacted] | $2,545.08 | [Redacted] | $212.09 | 54.254% | 54.254% | 54.254% | [Redacted] | 684 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,918.41 | 6.490% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 14.500% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853817 | [Redacted] | [Redacted] | N/A | No | No | $4,528.13 | $4,528.13 | 7.875% | No | No | 0 | US Citizen | 2 | [Redacted] | $2,223.00 | [Redacted] | $185.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | Level 4-Stated/Verified as defined | No | No | DSCR | 2 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853820 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,500.66 | $4,985.26 | 7.926% | $2,080.21 | $2,080.21 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $80,501.74 | 1 | [Redacted] | $1,250.40 | [Redacted] | $104.20 | 2.897% | 2.897% | 2.897% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,500.66 | 5.980% | $0.00 | 3.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | No | 50.41 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853864 | [Redacted] | [Redacted] | N/A | No | No | $1,222.92 | $1,222.92 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $618.36 | [Redacted] | $51.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 71.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854050 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,639.68 | $7,645.90 | 7.678% | $2,903.14 | $2,903.14 | 7.500% | No | No | Self-Employed | US Citizen | $7,045.09 | 1 | [Redacted] | $3,039.96 | [Redacted] | $253.33 | 38.473% | 38.473% | 38.473% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,639.68 | 6.520% | $0.00 | 1.2 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854090 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,527.50 | $12,079.45 | 7.140% | $4,984.73 | $4,984.73 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $36,881.03 | 1 | [Redacted] | $2,293.68 | [Redacted] | $191.14 | 29.137% | 29.137% | 29.137% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,527.50 | 6.520% | $0.00 | 1.9 | None | N/A | No | 6.990% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 26 | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.17 | No | No | $0.00 | $31,977.85 | No | No | No | No | 2 | 360 | VE | 03/23/2027 | $7,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854091 | [Redacted] | [Redacted] | N/A | No | No | $2,290.00 | $3,846.17 | 7.409% | $7,044.89 | $7,044.89 | 7.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,216.96 | 1 | [Redacted] | $2,631.96 | [Redacted] | $219.33 | 49.465% | 49.465% | 49.465% | 788 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,290.00 | 6.570% | $3,000.00 | 3.6 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 68.320% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.72 | No | No | $18,578.98 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854382 | [Redacted] | [Redacted] | N/A | No | No | $1,238.71 | $1,238.71 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,740.00 | [Redacted] | $145.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | 69.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854383 | [Redacted] | [Redacted] | N/A | No | No | $3,521.71 | $3,521.71 | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,416.92 | [Redacted] | $201.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.4 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 211.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854384 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,600.00 | $2,228.65 | 7.457% | $1,701.48 | $1,701.48 | 7.375% | No | No | Self-Employed | US Citizen | $11,787.04 | 1 | [Redacted] | $2,016.96 | [Redacted] | $168.08 | 27.365% | 27.365% | 27.365% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,600.00 | 6.520% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 52.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854385 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,295.00 | $4,203.36 | 7.194% | $3,918.35 | $3,918.35 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,527.87 | 1 | [Redacted] | $3,470.04 | [Redacted] | $289.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,295.00 | 6.570% | $10,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854388 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,650.00 | $13,418.78 | 7.540% | $3,110.72 | $3,110.72 | 7.250% | No | No | Self-Employed | Employed | Non-Permanent Resident Alien | US Citizen | United States of America | $6,228.79 | 1 | [Redacted] | $953.76 | [Redacted] | $79.48 | 42.634% | 42.634% | 42.634% | [Redacted] | 734 | No | Yes | 12 | Personal | 80.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,650.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | [Redacted] | [Redacted] | 17.570% | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 19.48 | No | $0.00 | $2,208.81 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854390 | [Redacted] | [Redacted] | N/A | No | No | $1,371.78 | $1,371.78 | 6.750% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,837.20 | [Redacted] | $153.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854395 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,690.00 | $5,442.94 | 9.372% | $786.70 | $786.70 | 8.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $1,083.55 | 1 | [Redacted] | $1,674.96 | [Redacted] | $139.58 | 48.081% | 48.081% | 48.081% | [Redacted] | 659 | Yes | No | [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | [Redacted] | 0 | 0 | 0 | [Redacted] | $4,690.00 | 6.490% | $0.00 | 3.1 | None | No | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854396 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,540.00 | $7,790.38 | 7.094% | $1,426.92 | $1,426.92 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $9,891.66 | 1 | [Redacted] | $524.40 | [Redacted] | $43.70 | 48.364% | 48.364% | 48.364% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,540.00 | 6.570% | $0.00 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 82.450% | No | Yes | Missing | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.78 | No | No | $19,156.63 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854397 | [Redacted] | [Redacted] | N/A | No | No | $2,069.33 | $2,069.33 | 6.875% | No | No | Permanent Resident Alien | 2 | [Redacted] | $2,458.32 | [Redacted] | $204.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225855749 | [Redacted] | [Redacted] | N/A | No | No | $1,527.99 | $1,527.99 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,427.40 | [Redacted] | $118.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | 22.650% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225855930 | [Redacted] | [Redacted] | N/A | No | No | $92,050.00 | $25,137.84 | 7.658% | $10,482.97 | $10,482.97 | 7.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $39,057.75 | 1 | [Redacted] | $3,250.56 | [Redacted] | $270.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $92,050.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 306.27 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856112 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,490.00 | $16,727.88 | 7.241% | $9,432.06 | $9,432.06 | 7.125% | No | No | Employed | US Citizen | $28,320.60 | 1 | [Redacted] | $5,636.04 | [Redacted] | $469.67 | 49.023% | 49.023% | 49.023% | [Redacted] | 692 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $15,490.00 | 6.570% | $0.00 | 2.8 | None | No | No | 7.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856117 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,745.00 | $8,162.55 | 7.472% | $2,455.83 | $2,455.83 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,266.11 | 1 | [Redacted] | $990.96 | [Redacted] | $82.58 | 31.375% | 31.375% | 31.375% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,745.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 34.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 14.72 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856266 | [Redacted] | [Redacted] | N/A | No | No | $7,804.10 | $7,804.10 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,140.64 | [Redacted] | $261.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | 29.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856279 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $20,417.14 | 7.252% | $10,617.80 | $10,617.80 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,563.42 | 1 | [Redacted] | $3,778.44 | [Redacted] | $314.87 | 35.156% | 35.156% | 35.156% | [Redacted] | 734 | No | Yes | 12 | Business | 100.000% | 65.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 36.110% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.11 | Yes | No | $25,132.82 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856643 | [Redacted] | [Redacted] | N/A | No | No | $1,009.71 | $1,009.71 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,319.04 | [Redacted] | $109.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 455.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225856992 | [Redacted] | [Redacted] | N/A | No | No | $2,485.72 | $2,485.72 | 6.990% | No | No | US Citizen | 4 | [Redacted] | $6,680.52 | [Redacted] | $556.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 57.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857001 | [Redacted] | [Redacted] | N/A | No | No | $7,116.00 | $4,934.21 | 8.038% | $2,262.22 | $2,262.22 | 7.875% | No | No | Self-Employed | US Citizen | $22,609.46 | 1 | [Redacted] | $1,295.52 | [Redacted] | $107.96 | 44.102% | 44.102% | 44.102% | [Redacted] | 691 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,116.00 | 6.520% | $15,000.00 | 1.3 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 45.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.53 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 03/03/2027 | $125,847.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857006 | [Redacted] | [Redacted] | N/A | No | No | $2,875.00 | $3,887.30 | 7.075% | $2,897.79 | $2,897.79 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $26,261.16 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 39.129% | 39.129% | 39.129% | [Redacted] | 736 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,875.00 | 6.600% | $3,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 2 | 1 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | 15.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.84 | No | No | $20,979.89 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857013 | [Redacted] | [Redacted] | N/A | No | No | $4,694.13 | $4,694.13 | 7.990% | No | No | US Citizen | 2 | [Redacted] | $2,576.04 | [Redacted] | $214.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857426 | [Redacted] | [Redacted] | N/A | No | No | $2,158.08 | $2,158.08 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,202.04 | [Redacted] | $100.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | 240 | [Redacted] | [Redacted] | 4.360% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857457 | [Redacted] | [Redacted] | N/A | No | No | $2,495.00 | $3,422.42 | 7.711% | $1,152.31 | $1,152.31 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,890.87 | 1 | [Redacted] | $1,661.28 | [Redacted] | $138.44 | 45.810% | 45.810% | 45.810% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,495.00 | 6.510% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | 13.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.12 | No | No | $15,797.92 | $0.00 | No | No | No | No | 3 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857463 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,592.41 | $4,949.46 | 7.327% | $947.05 | $947.05 | 6.990% | No | No | Self-Employed | Permanent Resident Alien | $24,681.84 | 1 | [Redacted] | $1,005.00 | [Redacted] | $83.75 | 6.698% | 6.698% | 6.698% | [Redacted] | 716 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,592.41 | 6.510% | $2,800.00 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 118.42 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857464 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,686.00 | $6,748.78 | 7.572% | $2,293.04 | $2,293.04 | 7.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,655.62 | 1 | [Redacted] | $1,486.44 | [Redacted] | $123.87 | 37.293% | 37.293% | 37.293% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,686.00 | 6.420% | $2,000.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 25.740% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.17 | No | No | $4,071.02 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225857976 | [Redacted] | [Redacted] | N/A | No | No | $1,074.08 | $1,074.08 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $1,185.00 | [Redacted] | $98.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | 33.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225861929 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,545.65 | 8.408% | $6,331.40 | $6,331.40 | 8.375% | No | No | Employed | US Citizen | $22,815.71 | 1 | [Redacted] | $2,322.00 | [Redacted] | $193.50 | 34.421% | 34.421% | 34.421% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $1,200.00 | 4.0 | None | No | No | 8.375% | 0 | 2 | 0 | 3 | 3 | 0.00 | No | [Redacted] | [Redacted] | 29.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225861941 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,711.14 | 7.020% | $9,570.69 | $9,570.69 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $17,189.77 | 1 | [Redacted] | $5,012.16 | [Redacted] | $417.68 | 43.330% | 43.330% | 43.330% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.510% | $0.00 | 1.8 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 42.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.08 | Yes | No | $16,166.67 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225862084 | [Redacted] | [Redacted] | N/A | No | No | $9,686.25 | $10,455.63 | 6.956% | $3,210.56 | $3,210.56 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,675.64 | 1 | [Redacted] | $3,571.08 | [Redacted] | $297.59 | 35.012% | 35.012% | 35.012% | [Redacted] | 734 | No | Yes | 12 | Business | 100.000% | 65.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,686.25 | 6.570% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 343.55 | No | No | $25,137.78 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225862106 | [Redacted] | [Redacted] | N/A | No | No | $1,903.68 | $1,903.68 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,867.44 | [Redacted] | $155.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 35.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225862116 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,682.96 | 7.319% | $2,608.64 | $2,608.64 | 7.250% | No | No | Non-Employment Income | US Citizen | $6,058.35 | 1 | [Redacted] | $4,728.96 | [Redacted] | $394.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.520% | $1,546.20 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 126.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863325 | [Redacted] | [Redacted] | Non QM | Yes | No | $32,031.25 | $34,273.89 | 7.844% | $11,453.52 | $11,453.52 | 7.625% | No | No | Employed | US Citizen | $32,699.03 | 1 | [Redacted] | $2,976.96 | [Redacted] | $248.08 | 41.156% | 44.888% | 41.156% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $32,031.25 | 6.230% | $0.00 | 1.3 | None | Yes | No | 7.625% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | 32.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863387 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,132.80 | 7.047% | $4,070.87 | $4,070.87 | 6.990% | No | No | Non-Employment Income | US Citizen | $19,855.48 | 1 | [Redacted] | $849.00 | [Redacted] | $70.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 818 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 284.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863390 | [Redacted] | [Redacted] | N/A | No | Yes | $1,490.00 | $3,059.95 | 6.656% | $4,797.53 | $4,797.53 | 6.625% | No | No | Employed | US Citizen | $4,506.92 | 1 | [Redacted] | $4,890.84 | [Redacted] | $407.57 | 49.366% | 49.366% | 49.366% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $500.00 | 1.5 | DU | ApproveEligible | Yes | No | 6.625% | 2 | 2 | 0 | 3 | 1 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 195.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 06/26/2027 | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225863422 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,599.00 | $2,281.16 | 7.084% | $1,569.82 | $1,569.82 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $55,186.58 | 1 | [Redacted] | $1,149.12 | [Redacted] | $95.76 | 10.196% | 10.196% | 10.196% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,599.00 | 6.520% | $0.00 | 2.8 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 46.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864869 | [Redacted] | [Redacted] | N/A | No | No | $2,315.44 | $2,315.44 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $3,240.96 | [Redacted] | $270.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 141.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864872 | [Redacted] | [Redacted] | N/A | No | No | $2,382.43 | $2,382.43 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,584.00 | [Redacted] | $132.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864874 | [Redacted] | [Redacted] | N/A | No | No | $1,869.27 | $1,869.27 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $530.04 | [Redacted] | $44.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864876 | [Redacted] | [Redacted] | N/A | No | No | $1,500.79 | $1,500.79 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,344.00 | [Redacted] | $112.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 44.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864896 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,550.60 | $3,972.61 | 7.105% | $2,110.87 | $2,110.87 | 6.990% | No | No | Self-Employed | US Citizen | $14,459.23 | 1 | [Redacted] | $676.32 | [Redacted] | $56.36 | 14.507% | 14.507% | 14.507% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,550.60 | 6.510% | $9,990.24 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.44 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864897 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,682.72 | $7,595.82 | 7.045% | $1,650.03 | $1,650.03 | 6.750% | No | No | Employed | US Citizen | $4,405.89 | 1 | [Redacted] | $1,086.24 | [Redacted] | $90.52 | 32.429% | 32.429% | 32.429% | [Redacted] | 705 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,682.72 | 6.100% | $0.00 | 1.3 | DU | ApproveIneligible | Yes | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 26 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864904 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,230.00 | $8,980.65 | 8.184% | $2,175.21 | $2,175.21 | 7.875% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | United States of America | United States of America | $7,564.03 | 1 | [Redacted] | $1,305.12 | [Redacted] | $108.76 | 35.962% | 35.962% | 35.962% | [Redacted] | 699 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,230.00 | 6.300% | $0.00 | 4.6 | None | No | No | 7.875% | 0 | 0 | 3 | 0 | 3 | 4 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | No | 51.34 | No | No | $0.00 | $3,531.82 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864907 | [Redacted] | [Redacted] | N/A | No | No | $8,330.00 | $9,340.96 | 7.631% | $2,155.85 | $2,155.85 | 6.990% | No | No | Self-Employed | US Citizen | $30,987.37 | 1 | [Redacted] | $1,093.56 | [Redacted] | $91.13 | 18.340% | 18.340% | 18.340% | [Redacted] | 782 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,330.00 | 6.090% | $500.00 | 1.6 | None | Yes | No | 6.990% | 0 | 1 | 0 | 1 | 1 | 5.77 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 206.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | AE | 10/17/2026 | $10,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864911 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,419.06 | $6,126.78 | 7.319% | $1,242.86 | $1,242.86 | 6.990% | No | No | Employed | US Citizen | $7,409.65 | 1 | [Redacted] | $1,100.16 | [Redacted] | $91.68 | 29.945% | 29.945% | 29.945% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,419.06 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.92 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864925 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,886.69 | $16,304.94 | 8.510% | $2,457.61 | $2,457.61 | 7.990% | No | No | Self-Employed | US Citizen | $4,271.71 | 1 | [Redacted] | $2,218.08 | [Redacted] | $184.84 | 49.691% | 49.691% | 49.691% | [Redacted] | 670 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,886.69 | 6.320% | $0.00 | 2.1 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.72 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864926 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,552.38 | $5,203.46 | 7.153% | $2,078.63 | $2,078.63 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $13,312.80 | 1 | [Redacted] | $888.36 | [Redacted] | $74.03 | 18.869% | 18.869% | 18.869% | [Redacted] | 811 | Yes | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,552.38 | 6.510% | $0.00 | 2.1 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 317.02 | Yes | No | $3,420.66 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225864927 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,528.09 | $4,288.43 | 10.328% | $773.24 | $773.24 | 9.750% | No | No | Not Employed | US Citizen | $1,122.01 | 1 | [Redacted] | $1,078.92 | [Redacted] | $89.91 | 48.888% | 48.888% | 48.888% | [Redacted] | 694 | No | No | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,528.09 | 6.510% | $0.00 | 2.3 | None | Yes | No | 9.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.01 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865277 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,985.00 | $19,037.30 | 7.487% | $8,296.88 | $9,324.11 | 7.375% | No | No | Non-Employment Income | US Citizen | $19,508.16 | 1 | [Redacted] | $3,449.04 | [Redacted] | $287.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $15,985.00 | 6.510% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Other | 360 | [Redacted] | [Redacted] | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 144.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865278 | [Redacted] | [Redacted] | N/A | No | No | $1,246.09 | $1,246.09 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,042.32 | [Redacted] | $86.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 312.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865282 | [Redacted] | [Redacted] | N/A | No | No | $5,939.81 | $5,939.81 | 7.375% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $19,353.00 | [Redacted] | $1,612.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redacted] | [Redacted] | 46.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.95 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865361 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,023.15 | 7.325% | $1,647.46 | $1,647.46 | 7.250% | No | No | Self-Employed | US Citizen | $2,948.11 | 1 | [Redacted] | $1,675.80 | [Redacted] | $139.65 | 45.166% | 45.166% | 45.166% | [Redacted] | 693 | No | Yes | 24 | Business | 78.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2025 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.570% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865362 | [Redacted] | [Redacted] | Non QM | Yes | No | $990.00 | $7,724.49 | 7.003% | $3,834.00 | $3,834.00 | 6.875% | No | No | Non-Employment Income | US Citizen | $5,532.32 | 1 | [Redacted] | $2,280.84 | [Redacted] | $190.07 | 49.125% | 49.125% | 49.125% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $990.00 | 6.490% | $500.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 3.510% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 83.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865394 | [Redacted] | [Redacted] | N/A | No | No | $1,074.43 | $1,074.43 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,455.00 | [Redacted] | $121.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865398 | [Redacted] | [Redacted] | N/A | No | No | $3,166.85 | $3,166.85 | 7.990% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,652.04 | [Redacted] | $137.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | 37.370% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865414 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,180.00 | $8,528.05 | 7.118% | $2,226.99 | $2,226.99 | 6.875% | No | Yes | Not Employed | Self-Employed | Non-Permanent Resident Alien | US Citizen | Mexico | $6,025.93 | 1 | [Redacted] | $8,322.00 | [Redacted] | $693.50 | 37.196% | 37.196% | 37.196% | [Redacted] | 758 | No | No | [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Account Transcripts - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,180.00 | 6.420% | $9,500.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | 58.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 28.67 | Yes | No | $5,035.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865787 | [Redacted] | [Redacted] | N/A | No | No | $759.67 | $759.67 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $400.08 | [Redacted] | $33.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 999.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866203 | [Redacted] | [Redacted] | N/A | No | No | $17,325.50 | $5,124.24 | 7.071% | $1,699.80 | $1,699.80 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Congo | $144,664.46 | 1 | [Redacted] | $940.92 | [Redacted] | $78.41 | 7.565% | 7.565% | 7.565% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $17,325.50 | 6.490% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 230.71 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866225 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,314.80 | $4,584.65 | 6.407% | $1,635.34 | $1,635.34 | 6.250% | No | No | Employed | US Citizen | $6,632.73 | 1 | [Redacted] | $507.96 | [Redacted] | $42.33 | 48.268% | 48.268% | 48.268% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,314.80 | 6.520% | $3,500.00 | 1.0 | None | Yes | No | 6.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 31.900% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866260 | [Redacted] | [Redacted] | N/A | No | No | $727.87 | $727.87 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $367.68 | [Redacted] | $30.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | 83.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.55 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866331 | [Redacted] | [Redacted] | N/A | No | No | $1,392.69 | $1,392.69 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,031.00 | [Redacted] | $169.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 1 | 0 | 0 | No | [Redacted] | $0.00 | 2.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 198.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225866488 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $879.42 | 7.791% | $1,528.47 | $1,528.47 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $4,317.34 | 1 | [Redacted] | $924.00 | [Redacted] | $77.00 | 41.932% | 41.932% | 41.932% | [Redacted] | 717 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.600% | $9,299.55 | 1.0 | None | No | No | 7.750% | 2 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 21.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225867002 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,696.25 | $26,061.25 | 7.923% | $6,428.54 | $6,428.54 | 7.625% | No | No | Self-Employed | US Citizen | $17,287.40 | 1 | [Redacted] | $3,332.28 | [Redacted] | $277.69 | 42.727% | 42.727% | 42.727% | [Redacted] | 659 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $24,696.25 | 6.520% | $0.00 | 3.7 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225867350 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,922.19 | $17,493.66 | 6.605% | $4,374.89 | $4,374.89 | 6.375% | No | No | Self-Employed | US Citizen | $10,400.46 | 1 | [Redacted] | $3,183.96 | [Redacted] | $265.33 | 42.364% | 42.364% | 42.364% | [Redacted] | 797 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,922.19 | 6.510% | $138,640.93 | 5.0 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Closed End | No | [Redacted] | [Redacted] | 31.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868059 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,575.00 | $5,931.10 | 9.622% | $4,540.61 | $4,540.61 | 9.500% | No | No | Self-Employed | US Citizen | $13,577.96 | 1 | [Redacted] | $1,196.04 | [Redacted] | $99.67 | 42.659% | 42.659% | 42.659% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,575.00 | 6.420% | $0.00 | 1.0 | None | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 14.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.36 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868938 | [Redacted] | [Redacted] | N/A | No | No | $1,758.87 | $1,758.87 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,815.96 | [Redacted] | $151.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.3 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225868989 | [Redacted] | [Redacted] | N/A | No | No | $25,858.15 | $7,293.46 | 7.695% | $2,688.48 | $2,688.48 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $334,633.98 | 1 | [Redacted] | $1,094.88 | [Redacted] | $91.24 | 2.438% | 2.438% | 2.438% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,858.15 | 6.570% | $0.00 | 3.1 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.64 | No | $342,994.72 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871604 | [Redacted] | [Redacted] | N/A | No | No | $7,368.07 | $7,368.07 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,603.00 | [Redacted] | $300.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.93 | 0.51 | [Redacted] | [Redacted] | 44.750% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 40.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871607 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,245.10 | $7,266.15 | 6.912% | $10,182.40 | $10,182.40 | 6.875% | No | No | Employed | Non-Permanent Resident Alien | United Kingdom of Great Britain and Northern Ireland | $15,881.57 | 1 | [Redacted] | $7,982.76 | [Redacted] | $665.23 | 49.848% | 49.848% | 49.848% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,245.10 | 6.490% | $0.00 | 2.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 55.960% | No | 4 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 6.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871824 | [Redacted] | [Redacted] | N/A | No | No | $1,057.37 | $1,057.37 | 7.250% | No | No | US Citizen | 2 | [Redacted] | $3,327.12 | [Redacted] | $277.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 690 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871827 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,530.00 | $4,514.36 | 7.157% | $7,006.67 | $7,006.67 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,063.24 | 1 | [Redacted] | $2,070.96 | [Redacted] | $172.58 | 45.782% | 45.782% | 45.782% | [Redacted] | 801 | No | Yes | 24 | Business | 83.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 14.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,530.00 | 6.510% | $0.00 | 1.0 | None | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 15.480% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.24 | No | No | $0.00 | $4,845.85 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871839 | [Redacted] | [Redacted] | N/A | No | No | $4,594.76 | $4,594.76 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $741.96 | [Redacted] | $61.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 126.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871908 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,488.44 | $8,661.54 | 7.486% | $1,642.19 | $1,642.19 | 7.125% | No | No | Non-Employment Income | US Citizen | $11,276.76 | 1 | [Redacted] | $431.64 | [Redacted] | $35.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,488.44 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 277.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871968 | [Redacted] | [Redacted] | N/A | No | No | $2,995.00 | $7,292.51 | 7.066% | $6,047.68 | $6,047.68 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $106,785.06 | 1 | [Redacted] | $1,347.24 | [Redacted] | $112.27 | 19.306% | 19.306% | 19.306% | 743 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,995.00 | 6.520% | $6,500.00 | 1.9 | DU | ApproveEligible | N/A | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 24.100% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.64 | No | No | $0.00 | $20,729.28 | No | No | No | No | 4 | 360 | VE | 06/23/2026 | $149,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872725 | [Redacted] | [Redacted] | N/A | No | No | $1,460.64 | $1,460.64 | 5.500% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,079.04 | [Redacted] | $89.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [Redacted] | [Redacted] | 79.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 109.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872727 | [Redacted] | [Redacted] | N/A | No | No | $2,415.16 | $2,415.16 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,998.96 | [Redacted] | $166.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872728 | [Redacted] | [Redacted] | N/A | No | No | $1,558.56 | $1,558.56 | 6.990% | No | No | 0 | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $693.00 | [Redacted] | $57.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 21.280% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872731 | [Redacted] | [Redacted] | N/A | No | No | $1,775.54 | $1,775.54 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,150.80 | [Redacted] | $95.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [Redacted] | [Redacted] | 61.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872741 | [Redacted] | [Redacted] | N/A | No | No | $5,950.00 | $7,589.74 | 7.187% | $8,017.25 | $8,017.25 | 7.125% | No | No | Self-Employed | US Citizen | $35,314.08 | 1 | [Redacted] | $1,944.96 | [Redacted] | $162.08 | 45.222% | 45.222% | 45.222% | [Redacted] | 762 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $5,950.00 | 6.600% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 24.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.73 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872742 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,535.00 | $10,842.23 | 6.750% | $2,212.24 | $2,212.24 | 6.500% | No | No | Employed | US Citizen | $3,927.37 | 1 | [Redacted] | $6,678.00 | [Redacted] | $556.50 | 47.635% | 47.635% | 47.635% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,535.00 | 6.520% | $6,000.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 111.8 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872744 | [Redacted] | [Redacted] | N/A | No | No | $34,190.00 | $8,873.48 | 7.625% | $3,563.84 | $3,938.46 | 7.888% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | N/A | $274,173.84 | 1 | [Redacted] | $954.00 | [Redacted] | $79.50 | 19.344% | 19.431% | 19.344% | [Redacted] | 801 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $34,190.00 | 6.230% | $0.00 | 1.0 | None | No | No | 7.888% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 125.29 | No | No | $339,928.52 | $0.00 | No | No | No | No | 13 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872745 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $11,894.30 | 6.995% | $3,134.03 | $3,134.03 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,255.27 | 1 | [Redacted] | $1,568.40 | [Redacted] | $130.70 | 38.707% | 38.707% | 38.707% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.570% | $8,500.00 | 2.6 | None | No | No | 6.750% | 2 | 0 | 1 | 0 | 2 | 1 | No | [Redacted] | [Redacted] | 38.530% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872746 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,074.00 | $4,779.64 | 7.056% | $1,697.50 | $1,697.50 | 6.875% | No | No | Non-Employment Income | US Citizen | $15,348.81 | 1 | [Redacted] | $273.96 | [Redacted] | $22.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,074.00 | 6.570% | $0.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 536.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872747 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,490.00 | $12,215.81 | 7.733% | $3,775.76 | $3,775.76 | 7.500% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $13,916.79 | 1 | [Redacted] | $1,502.04 | [Redacted] | $125.17 | 31.154% | 31.154% | 31.154% | [Redacted] | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,490.00 | 6.570% | $5,000.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 27.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | Employment Authorization | 31.59 | No | $10,107.12 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872748 | [Redacted] | [Redacted] | N/A | No | No | $6,282.54 | $7,221.30 | 7.482% | $996.95 | $996.95 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $18,530.95 | 2 | [Redacted] | $1,521.96 | [Redacted] | $126.83 | 23.189% | 23.189% | 23.189% | [Redacted] | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,282.54 | 6.490% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 72.22 | No | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872749 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,746.25 | $10,298.82 | 6.773% | $4,322.10 | $4,322.10 | 6.625% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,858.43 | 1 | [Redacted] | $4,699.20 | [Redacted] | $391.60 | 44.504% | 44.504% | 44.504% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,746.25 | 6.520% | $0.00 | 1.9 | None | Yes | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 64.100% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.63 | Yes | No | $0.00 | $10,206.43 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872751 | [Redacted] | [Redacted] | N/A | No | No | $6,340.00 | $6,992.12 | 7.227% | $1,313.86 | $1,313.86 | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,732.96 | 1 | [Redacted] | $760.32 | [Redacted] | $63.36 | 26.799% | 26.799% | 26.799% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2023 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,340.00 | 6.420% | $0.00 | 3.4 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 55.580% | No | Yes | Commitment | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.68 | No | No | $1,525.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872753 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,446.30 | 6.941% | $4,256.90 | $4,256.90 | 6.875% | No | Yes | Employed | Employed | US Citizen | US Citizen | $19,080.93 | 1 | [Redacted] | $829.56 | [Redacted] | $69.13 | 36.727% | 36.727% | 36.727% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.570% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 44.980% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.65 | Yes | No | $0.00 | $26,151.51 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872760 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,046.91 | 7.083% | $2,771.51 | $2,771.51 | 6.990% | No | No | Employed | US Citizen | $10,330.97 | 1 | [Redacted] | $1,867.68 | [Redacted] | $155.64 | 31.561% | 31.561% | 31.561% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.520% | $0.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 65.110% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872761 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,756.00 | $6,850.54 | 8.111% | $2,785.66 | $2,785.66 | 7.990% | No | No | Employed | US Citizen | $12,645.88 | 1 | [Redacted] | $642.00 | [Redacted] | $53.50 | 39.801% | 39.801% | 39.801% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,756.00 | 6.570% | $4,750.00 | 1.0 | None | Yes | No | 7.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 27.270% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872764 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,764.00 | $11,112.54 | 7.565% | $4,071.53 | $4,071.53 | 7.375% | No | No | Employed | US Citizen | $7,503.42 | 1 | [Redacted] | $2,068.32 | [Redacted] | $172.36 | 41.288% | 41.288% | 41.288% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,764.00 | 6.510% | $0.00 | 1.9 | DU | ApproveIneligible | Yes | No | 7.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 17 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872765 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,572.50 | $6,332.38 | 10.529% | $1,026.82 | $1,026.82 | 9.875% | No | No | Employed | US Citizen | $6,067.51 | 1 | [Redacted] | $1,582.08 | [Redacted] | $131.84 | 24.138% | 24.138% | 24.138% | [Redacted] | 658 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,572.50 | 6.320% | $0.00 | 1.0 | None | Yes | No | 9.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872766 | [Redacted] | [Redacted] | N/A | No | No | $2,779.69 | $2,990.85 | 7.623% | $1,776.60 | $1,776.60 | 7.375% | No | No | Employed | US Citizen | $8,065.23 | 3 | [Redacted] | $2,607.96 | [Redacted] | $217.33 | 37.772% | 37.772% | 37.772% | [Redacted] | 809 | No | No | [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,779.69 | 5.980% | $2,000.00 | DU | ApproveEligible | No | No | 7.375% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 34.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.75 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872768 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $5,778.46 | $8,492.20 | 7.226% | $5,482.38 | $5,482.38 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,423.57 | 1 | [Redacted] | $1,746.00 | [Redacted] | $145.50 | 49.371% | 49.371% | 49.371% | [Redacted] | 786 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,778.46 | 6.570% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 2 | 0 | 3 | 3 | 5.00 | No | No | [Redacted] | [Redacted] | 19.530% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872773 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,514.00 | $11,640.82 | 9.307% | $2,148.24 | $2,148.24 | 8.875% | No | No | Self-Employed | US Citizen | $47,358.92 | 1 | [Redacted] | $1,049.04 | [Redacted] | $87.42 | 5.506% | 5.506% | 5.506% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,514.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872774 | [Redacted] | [Redacted] | N/A | No | No | $1,653.93 | $1,653.93 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,675.56 | [Redacted] | $139.63 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 29.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 77.28 | Yes | 35.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872775 | [Redacted] | [Redacted] | N/A | No | No | $1,216.59 | $1,216.59 | 6.625% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $709.68 | [Redacted] | $59.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.7 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 100.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873060 | [Redacted] | [Redacted] | N/A | No | No | $4,598.50 | $4,598.50 | 6.875% | No | No | US Citizen | 3 | [Redacted] | $6,407.76 | [Redacted] | $533.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 101.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873477 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,140.00 | $7,702.82 | 7.570% | $1,671.33 | $1,671.33 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $1,619.77 | 1 | [Redacted] | $2,591.52 | [Redacted] | $215.96 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,140.00 | 6.520% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 150.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873643 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,425.16 | $8,753.91 | 7.704% | $1,849.23 | $1,849.23 | 7.375% | No | No | Self-Employed | US Citizen | $3,846.14 | 1 | [Redacted] | $509.04 | [Redacted] | $42.42 | 36.962% | 36.962% | 36.962% | [Redacted] | 768 | No | Yes | 36 | Personal, Business | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,425.16 | 6.520% | $38,000.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873683 | [Redacted] | [Redacted] | N/A | No | No | $6,413.80 | $6,413.80 | 7.125% | No | No | 0 | US Citizen | Not Provided | 3 | [Redacted] | $3,751.80 | [Redacted] | $312.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 136.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873686 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,658.40 | $18,724.56 | 7.600% | $6,733.35 | $6,962.91 | 7.591% | No | No | Employed | Permanent Resident Alien | $25,236.77 | 1 | [Redacted] | $1,519.20 | [Redacted] | $126.60 | 43.343% | 45.621% | 43.343% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,658.40 | 6.230% | $0.00 | 1.5 | None | No | No | 7.591% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 91.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873867 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,365.00 | $4,352.00 | 7.047% | $1,642.32 | $1,642.32 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $7,159.12 | 1 | [Redacted] | $884.64 | [Redacted] | $73.72 | 24.590% | 24.590% | 24.590% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,365.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 58.150% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 10.44 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873882 | [Redacted] | [Redacted] | N/A | No | No | $1,146.49 | $1,146.49 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,395.96 | [Redacted] | $116.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.68 | 1.46 | [Redacted] | [Redacted] | 92.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 110.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873896 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,490.00 | $26,677.05 | 8.111% | $8,628.33 | $8,628.33 | 7.875% | No | No | Self-Employed | US Citizen | $85,810.78 | 1 | [Redacted] | $8,769.60 | [Redacted] | $730.80 | 17.963% | 17.963% | 17.963% | [Redacted] | 621 | No | Yes | 24 | Personal | 100.000% | 30.020% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.02% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.02% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.02% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.02% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $25,490.00 | 6.600% | $0.00 | 2.6 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 38.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/30/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873916 | [Redacted] | [Redacted] | N/A | No | No | $2,532.13 | $2,532.13 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,161.96 | [Redacted] | $96.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873925 | [Redacted] | [Redacted] | N/A | No | No | $959.67 | $959.67 | 7.500% | No | No | 0 | US Citizen | Not Provided | 2 | [Redacted] | $2,106.96 | [Redacted] | $175.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874238 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,187.00 | $7,834.27 | 7.022% | $1,852.40 | $1,852.40 | 6.750% | No | No | Self-Employed | US Citizen | $21,778.72 | 1 | [Redacted] | $1,713.96 | [Redacted] | $142.83 | 29.242% | 29.242% | 29.242% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,187.00 | 6.520% | $0.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874240 | [Redacted] | [Redacted] | N/A | No | No | $1,234.52 | $1,234.52 | 5.500% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,128.96 | [Redacted] | $94.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [Redacted] | [Redacted] | 93.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874246 | [Redacted] | [Redacted] | N/A | No | No | $1,359.46 | $1,359.46 | 6.750% | No | No | US Citizen | 2 | [Redacted] | $903.96 | [Redacted] | $75.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.02 | 0.49 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 276.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874288 | [Redacted] | [Redacted] | N/A | No | No | $996.38 | $996.38 | 7.500% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,763.04 | [Redacted] | $146.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874290 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,518.75 | $12,558.93 | 8.150% | $6,044.14 | $6,044.14 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $100,374.31 | 1 | [Redacted] | $2,432.04 | [Redacted] | $202.67 | 6.652% | 6.652% | 6.652% | [Redacted] | 720 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,518.75 | 6.520% | $19,400.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874334 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,737.81 | $3,546.61 | 7.443% | $3,579.42 | $3,579.42 | 7.375% | No | No | Self-Employed | US Citizen | $202,253.08 | 1 | [Redacted] | $2,245.92 | [Redacted] | $187.16 | 2.879% | 2.879% | 2.879% | [Redacted] | 814 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,737.81 | 6.600% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.13 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874342 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,770.00 | $2,338.29 | 7.038% | $3,123.77 | $3,123.77 | 6.990% | No | Yes | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $7,613.38 | 1 | [Redacted] | $1,181.04 | [Redacted] | $98.42 | 45.620% | 45.620% | 45.620% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,770.00 | 6.520% | $15,400.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 0 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 212.76 | No | No | $11,394.14 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874362 | [Redacted] | [Redacted] | N/A | No | No | $1,527.99 | $1,527.99 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,493.04 | [Redacted] | $124.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | 19.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874405 | [Redacted] | [Redacted] | N/A | No | No | $1,289.38 | $1,289.38 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $822.96 | [Redacted] | $68.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 32.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $13,726,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874503 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,490.00 | $10,882.82 | 7.370% | $4,169.80 | $4,169.80 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,779.71 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 34.437% | 34.437% | 34.437% | [Redacted] | 781 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $0.00 | None | No | No | 7.250% | 2 | 2 | 2 | 0 | 3 | 3 | 4.90 | No | Not Stated | [Redacted] | [Redacted] | 62.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.43 | No | No | $0.00 | $4,166.16 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225875345 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,621.25 | $9,011.55 | 7.142% | $3,947.32 | $3,947.32 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $21,711.92 | 1 | [Redacted] | $1,593.96 | [Redacted] | $132.83 | 31.188% | 31.188% | 31.188% | [Redacted] | 815 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - IRA Distribution]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,621.25 | 6.410% | $1,500.00 | 1.6 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1561.92 | No | No | $11,029.02 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225875464 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,235.00 | $9,137.08 | 7.110% | $1,426.92 | $1,426.92 | 6.750% | No | No | Self-Employed | US Citizen | $11,708.54 | 2 | [Redacted] | $3,075.00 | [Redacted] | $256.25 | 19.031% | 19.031% | 19.031% | [Redacted] | 709 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $6,235.00 | 6.520% | $0.00 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 27.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876245 | [Redacted] | [Redacted] | N/A | No | No | $17,811.20 | $6,368.00 | 7.679% | $1,890.68 | $1,890.68 | 7.500% | No | No | Self-Employed | US Citizen | $579,649.50 | 1 | [Redacted] | $822.96 | [Redacted] | $68.58 | 9.499% | 9.499% | 9.499% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,811.20 | 6.570% | $0.00 | 2.3 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1038.63 | No | No | $0.00 | $0.00 | No | No | No | No | 12 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876263 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,870.12 | 5.749% | $4,896.18 | $4,896.18 | 5.750% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $10,414.82 | 1 | [Redacted] | $657.36 | [Redacted] | $54.78 | 47.128% | 47.128% | 47.128% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.410% | $9,560.00 | 1.8 | None | N/A | No | 5.750% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 79.300% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | 104.84 | Yes | No | $0.00 | $7,962.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876276 | [Redacted] | [Redacted] | N/A | No | No | $2,290.64 | $2,290.64 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,964.12 | [Redacted] | $247.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | [Redacted] | 51.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876282 | [Redacted] | [Redacted] | N/A | No | No | $1,063.70 | $1,063.70 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,912.04 | [Redacted] | $242.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.81 | 0.55 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876429 | [Redacted] | [Redacted] | N/A | No | No | $1,114.26 | $1,114.26 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $966.96 | [Redacted] | $80.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | [Redacted] | 2.630% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876438 | [Redacted] | [Redacted] | N/A | No | No | $6,830.63 | $6,225.33 | 7.583% | $1,108.54 | $1,108.54 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | $16,760.76 | 1 | [Redacted] | $1,125.00 | [Redacted] | $93.75 | 29.603% | 29.603% | 29.603% | [Redacted] | 668 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2007 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,830.63 | 6.420% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | LLC | Business Entity | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876599 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $2,394.45 | 7.402% | $6,216.08 | $6,216.08 | 7.375% | No | No | Employed | US Citizen | $7,386.00 | 1 | [Redacted] | $6,322.80 | [Redacted] | $526.90 | 53.110% | 53.110% | 53.110% | [Redacted] | 692 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Paystubs - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Paystubs - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; VVOE - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; WVOE - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Paystubs - 2025 [Borrower - | Non-Primary Income - Auto Allowance]; W-2 - 2025 [Borrower - | Non-Primary Income - Auto Allowance]; Paystubs - 2024 [Borrower - | Non-Primary Income - Auto Allowance]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $0.00 | 3.4 | None | N/A | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 0 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878824 | [Redacted] | [Redacted] | N/A | No | No | $1,470.70 | $1,470.70 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $715.92 | [Redacted] | $59.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 62.740% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878825 | [Redacted] | [Redacted] | N/A | No | No | $864.42 | $864.42 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,263.96 | [Redacted] | $105.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | 72.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 61.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878826 | [Redacted] | [Redacted] | N/A | No | No | $2,012.32 | $2,012.32 | 6.625% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $916.08 | [Redacted] | $76.34 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 487.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878827 | [Redacted] | [Redacted] | N/A | No | No | $1,462.59 | $1,462.59 | 6.750% | No | No | US Citizen | 4 | [Redacted] | $3,385.56 | [Redacted] | $282.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [Redacted] | [Redacted] | 65.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878831 | [Redacted] | [Redacted] | N/A | No | No | $59,340.00 | $11,415.30 | 7.331% | $7,310.94 | $7,792.38 | 7.634% | No | No | Employed | US Citizen | $33,536.73 | 2 | [Redacted] | $16,713.72 | [Redacted] | $1,392.81 | 29.118% | 28.101% | 29.118% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $59,340.00 | 6.110% | $0.00 | None | No | No | 7.634% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 167.63 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 05/05/2027 | $900,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878836 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $9,539.80 | 7.508% | $4,696.59 | $4,696.59 | 7.375% | No | No | Non-Employment Income | US Citizen | $9,880.22 | 1 | [Redacted] | $1,971.96 | [Redacted] | $164.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.510% | $10,000.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 178.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878840 | [Redacted] | [Redacted] | N/A | No | No | $1,202.34 | $1,202.34 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $966.96 | [Redacted] | $80.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 143.92 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879045 | [Redacted] | [Redacted] | N/A | No | No | $46,145.00 | $16,882.60 | 6.777% | $3,792.41 | $3,792.41 | 6.500% | No | No | Not Employed | Non-Employment Income | Not Employed | 0 | Foreign National | Foreign National | Brazil | Brazil | $17,111.95 | 1 | [Redacted] | $3,318.12 | [Redacted] | $276.51 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $46,145.00 | 6.410% | $0.00 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Passport | Passport | 214.3 | No | No | $22,784.79 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879048 | [Redacted] | [Redacted] | N/A | No | No | $1,088.85 | $1,088.85 | 6.875% | No | No | Foreign National | 1 | [Redacted] | $1,182.96 | [Redacted] | $98.58 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 5.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 6.13 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879049 | [Redacted] | [Redacted] | N/A | No | No | $1,762.02 | $1,762.02 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,448.24 | [Redacted] | $204.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | 79.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879189 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,920.00 | $30,819.66 | 7.798% | $11,665.21 | $12,414.32 | 7.888% | No | No | Self-Employed | US Citizen | $31,438.56 | 1 | [Redacted] | $2,432.04 | [Redacted] | $202.67 | 34.431% | 37.365% | 34.431% | [Redacted] | 795 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $23,920.00 | 6.230% | $7,600.00 | None | N/A | No | 7.888% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 14.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.32 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879191 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $11,829.10 | 7.309% | $9,570.69 | $10,205.28 | 7.638% | No | No | Employed | Employed | US Citizen | US Citizen | $18,965.39 | 1 | [Redacted] | $3,056.04 | [Redacted] | $254.67 | 39.790% | 37.775% | 39.790% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.130% | $0.00 | 1.8 | None | No | No | 7.638% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 28.240% | No | 28 | 2 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.58 | No | $0.00 | $2,426.67 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879192 | [Redacted] | [Redacted] | N/A | No | No | $1,368.70 | $1,368.70 | 5.000% | No | No | US Citizen | 1 | [Redacted] | $376.80 | [Redacted] | $31.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 38.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879223 | [Redacted] | [Redacted] | N/A | No | No | $29,899.64 | $8,862.30 | 7.944% | $2,851.76 | $3,625.01 | 7.750% | No | No | Employed | US Citizen | $33,731.00 | 1 | [Redacted] | $584.52 | [Redacted] | $48.71 | 32.392% | 32.317% | 32.392% | [Redacted] | 696 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $29,899.64 | 6.230% | $5,000.00 | 1.0 | None | Yes | No | 7.750% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 42.750% | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.91 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | AE | 04/01/2027 | $104,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879225 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,052.63 | $4,129.37 | 7.117% | $2,128.48 | $2,128.48 | 6.990% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $9,487.53 | 1 | [Redacted] | $4,238.04 | [Redacted] | $353.17 | 28.573% | 28.573% | 28.573% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,052.63 | 6.490% | $10,000.00 | 1.8 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 31.950% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.75 | Yes | No | $2,873.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879226 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,657.20 | $17,027.78 | 7.169% | $4,785.34 | $4,785.34 | 6.990% | No | No | Self-Employed | US Citizen | $11,200.07 | 1 | [Redacted] | $2,171.16 | [Redacted] | $180.93 | 49.411% | 49.411% | 49.411% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,657.20 | 6.490% | $0.00 | 5.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 15.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.42 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879230 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,787.55 | $10,419.45 | 7.922% | $2,135.17 | $2,135.17 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $13,101.21 | 1 | [Redacted] | $4,153.32 | [Redacted] | $346.11 | 23.031% | 23.031% | 23.031% | [Redacted] | 790 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,787.55 | 6.420% | $5,323.50 | 2.8 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 1.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 16.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879231 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,768.20 | 7.353% | $1,796.62 | $2,010.07 | 7.883% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,236.31 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.080% | $0.00 | 2.6 | None | Yes | No | 7.883% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 237.51 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879232 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,057.40 | 7.317% | $2,725.29 | $2,725.29 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $158,039.50 | 1 | [Redacted] | $2,190.96 | [Redacted] | $182.58 | 3.007% | 3.007% | 3.007% | 803 | No | Yes | 12 | Business | 97.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $0.00 | 1.4 | None | No | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.950% | No | 29 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.16 | No | $0.00 | $4,172.13 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879233 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $8,172.45 | 7.013% | $5,731.80 | $7,623.04 | 6.990% | No | No | Employed | US Citizen | $15,249.12 | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 45.755% | 39.027% | 45.755% | [Redacted] | 792 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.520% | $0.00 | 2.5 | None | N/A | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | 72.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879234 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,827.50 | $11,738.80 | 7.254% | $2,990.84 | $2,990.84 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $5,379.10 | 1 | [Redacted] | $1,530.96 | [Redacted] | $127.58 | 43.970% | 43.970% | 43.970% | [Redacted] | 749 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,827.50 | 6.520% | $0.00 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 5.22 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879256 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,335.31 | $8,280.46 | 7.021% | $3,621.32 | $3,621.32 | 6.875% | No | No | Non-Employment Income | US Citizen | $9,616.60 | 1 | [Redacted] | $3,537.72 | [Redacted] | $294.81 | 39.969% | 39.969% | 39.969% | [Redacted] | 741 | Yes | No | [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $5,335.31 | 6.490% | $0.00 | 1.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 196.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879265 | [Redacted] | [Redacted] | N/A | No | No | $17,738.00 | $8,237.08 | 7.547% | $1,609.94 | $1,609.94 | 7.250% | No | No | Employed | US Citizen | $5,944.03 | 2 | [Redacted] | $3,061.56 | [Redacted] | $255.13 | 18.567% | 18.567% | 18.567% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $17,738.00 | 6.520% | $8,850.00 | None | N/A | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 51.720% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.8 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879273 | [Redacted] | [Redacted] | N/A | No | No | $4,695.85 | $4,695.85 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,834.00 | [Redacted] | $319.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 39.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.98 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879281 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,374.93 | 7.821% | $2,435.80 | $2,435.80 | 7.750% | No | No | Employed | US Citizen | $13,619.20 | 1 | [Redacted] | $2,084.04 | [Redacted] | $173.67 | 42.093% | 42.093% | 42.093% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $11,000.00 | 2.7 | DU | ApproveEligible | N/A | No | 7.750% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 25.970% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879289 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,753.28 | $8,411.08 | 7.969% | $1,804.34 | $1,804.34 | 7.625% | No | No | Self-Employed | US Citizen | $23,619.21 | 1 | [Redacted] | $2,524.08 | [Redacted] | $210.34 | 10.974% | 10.974% | 10.974% | [Redacted] | 650 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,753.28 | 6.520% | $0.00 | 2.8 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879301 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,016.00 | $3,693.26 | 8.989% | $4,051.67 | $4,051.67 | 8.990% | No | No | Self-Employed | Permanent Resident Alien | $19,573.63 | 4 | [Redacted] | $2,030.04 | [Redacted] | $169.17 | 33.670% | 33.670% | 33.670% | [Redacted] | 714 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,016.00 | 6.490% | $30,000.00 | None | N/A | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.46 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879469 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,532.56 | $8,291.41 | 7.094% | $3,402.91 | $3,402.91 | 6.990% | No | No | Self-Employed | US Citizen | $5,525.79 | 1 | [Redacted] | $1,119.00 | [Redacted] | $93.25 | 42.736% | 42.736% | 42.736% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,532.56 | 6.410% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | 4.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879470 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,996.25 | $18,320.75 | 7.005% | $6,405.06 | $6,405.06 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $21,892.23 | 1 | [Redacted] | $1,566.00 | [Redacted] | $130.50 | 38.813% | 38.813% | 38.813% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,996.25 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 16.990% | No | Yes | Final | Fee Simple | Individual | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.29 | No | $35,779.46 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879471 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,372.50 | $15,418.09 | 8.204% | $4,237.13 | $4,237.13 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,986.71 | 1 | [Redacted] | $1,322.04 | [Redacted] | $110.17 | 41.702% | 41.702% | 41.702% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,372.50 | 6.510% | $13,750.00 | 1.0 | None | N/A | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.88 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879477 | [Redacted] | [Redacted] | N/A | No | No | $54,690.00 | $15,045.40 | 7.479% | $6,354.21 | $6,354.21 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $136,694.60 | 1 | [Redacted] | $4,300.08 | [Redacted] | $358.34 | 14.727% | 14.727% | 14.727% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $54,690.00 | 6.510% | $0.00 | 5.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879479 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,173.00 | $21,572.11 | 7.113% | $7,895.82 | $7,895.82 | 6.990% | No | No | Self-Employed | US Citizen | $20,459.77 | 1 | [Redacted] | $15,318.12 | [Redacted] | $1,276.51 | 36.756% | 36.756% | 36.756% | [Redacted] | 775 | Yes | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $13,173.00 | 6.520% | $0.00 | 2.7 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 5.10 | No | Other | [Redacted] | [Redacted] | 11.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 139.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/30/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879605 | [Redacted] | [Redacted] | N/A | No | No | $1,320.95 | $1,320.95 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,022.04 | [Redacted] | $85.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [Redacted] | [Redacted] | 38.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879654 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,365.00 | $20,743.13 | 8.012% | $4,755.19 | $4,755.19 | 7.750% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $9,554.52 | 1 | [Redacted] | $4,341.00 | [Redacted] | $361.75 | 37.093% | 37.093% | 37.093% | 745 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,365.00 | 6.510% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | VISA | VISA | No | 18.93 | No | No | $6,666.54 | $0.00 | Yes | Yes | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882378 | [Redacted] | [Redacted] | N/A | No | No | $2,492.37 | $2,492.37 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,482.24 | [Redacted] | $123.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882600 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,189.53 | $4,574.61 | 7.574% | $988.47 | $988.47 | 7.250% | No | No | Self-Employed | US Citizen | $26,008.71 | 1 | [Redacted] | $2,474.04 | [Redacted] | $206.17 | 19.351% | 19.351% | 19.351% | [Redacted] | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,189.53 | 6.300% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882793 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,889.98 | $12,166.66 | 8.192% | $2,931.46 | $2,931.46 | 7.875% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $9,809.79 | 1 | [Redacted] | $1,332.00 | [Redacted] | $111.00 | 36.410% | 36.410% | 36.410% | [Redacted] | 678 | No | Yes | 24 | Business | 77.000% | 49.000% | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,889.98 | 6.490% | $0.00 | 1.1 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.58 | No | $11,831.89 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882876 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,087.90 | $6,941.85 | 7.107% | $1,232.34 | $1,232.34 | 6.750% | No | No | Employed | US Citizen | $3,415.29 | 1 | [Redacted] | $480.96 | [Redacted] | $40.08 | 37.184% | 37.184% | 37.184% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,087.90 | 6.420% | $1,000.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 21.370% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 32.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882935 | [Redacted] | [Redacted] | N/A | No | No | $1,867.97 | $1,867.97 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,723.04 | [Redacted] | $226.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | 34.980% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883087 | [Redacted] | [Redacted] | N/A | No | No | $4,976.20 | $8,832.30 | 9.103% | $811.37 | $811.37 | 8.250% | No | No | Employed | US Citizen | $7,888.33 | 1 | [Redacted] | $600.00 | [Redacted] | $50.00 | 42.316% | 42.316% | 42.316% | [Redacted] | 656 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,976.20 | 6.570% | $0.00 | 1.0 | None | Yes | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 67.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883157 | [Redacted] | [Redacted] | N/A | No | No | $7,671.88 | $11,995.80 | 7.377% | $3,208.58 | $3,208.58 | 7.125% | No | No | Not Employed | Self-Employed | Self-Employed | 20.16 | US Citizen | Permanent Resident Alien | $15,630.23 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 30.599% | 30.599% | 30.599% | [Redacted] | 762 | 765 | 756 | 762 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Business License - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,671.88 | 6.510% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 1 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 3.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 21.3 | No | No | $22,521.56 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883497 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,766.25 | $65.59 | 6.873% | $2,574.75 | $2,574.75 | 6.875% | No | No | Self-Employed | US Citizen | $11,117.85 | 1 | [Redacted] | $519.00 | [Redacted] | $43.25 | 34.468% | 34.468% | 34.468% | [Redacted] | 767 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,766.25 | 6.570% | $24,047.07 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 16.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883501 | [Redacted] | [Redacted] | N/A | No | No | $3,032.27 | $3,032.27 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,893.00 | [Redacted] | $157.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.3 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883690 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,343.40 | $33,127.64 | 7.189% | $8,852.89 | $8,852.89 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $16,991.31 | 1 | [Redacted] | $2,684.04 | [Redacted] | $223.67 | 36.418% | 36.418% | 36.418% | [Redacted] | 810 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,343.40 | 6.510% | $0.00 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 7.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 11.35 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884272 | [Redacted] | [Redacted] | N/A | No | No | $927.76 | $927.76 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $897.96 | [Redacted] | $74.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [Redacted] | [Redacted] | 51.600% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884278 | [Redacted] | [Redacted] | N/A | No | No | $1,297.04 | $1,297.04 | 7.500% | No | No | US Citizen | 4 | [Redacted] | $1,231.32 | [Redacted] | $102.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884453 | [Redacted] | [Redacted] | N/A | No | No | $972.90 | $972.90 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,306.04 | [Redacted] | $192.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 93.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884454 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,876.00 | $9,965.82 | 8.110% | $4,286.98 | $4,286.98 | 7.990% | No | No | Self-Employed | US Citizen | $19,010.08 | 1 | [Redacted] | $1,693.32 | [Redacted] | $141.11 | 41.214% | 41.214% | 41.214% | [Redacted] | 687 | No | Yes | 12 | Business | 96.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,876.00 | 6.570% | $3,000.00 | 3.6 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 16.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.14 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884457 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,850.00 | $6,843.87 | 7.142% | $1,425.54 | $1,425.54 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,420.67 | 1 | [Redacted] | $755.04 | [Redacted] | $62.92 | 48.879% | 48.879% | 48.879% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,850.00 | 6.490% | $0.00 | 2.2 | None | Yes | No | 6.875% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 76.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.77 | Yes | No | $3,887.70 | $8,684.30 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884465 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $2,674.30 | 6.996% | $17,265.30 | $19,699.66 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $30,913.92 | 1 | [Redacted] | $6,371.28 | [Redacted] | $530.94 | 45.593% | 41.309% | 45.593% | [Redacted] | 764 | Yes | Yes | 12 | Business | 78.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2015 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.570% | $0.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | 360 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.7 | No | $22,129.31 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884479 | [Redacted] | [Redacted] | N/A | No | No | $1,263.00 | $1,263.00 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,880.24 | [Redacted] | $240.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 538.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $205,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884485 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,995.00 | $9,153.00 | 7.467% | $6,734.08 | $6,734.08 | 7.375% | No | No | Self-Employed | US Citizen | $19,773.95 | 2 | [Redacted] | $1,536.00 | [Redacted] | $128.00 | 33.689% | 33.689% | 33.689% | [Redacted] | 705 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $20,995.00 | 6.570% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | 35.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884500 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,705.80 | 7.518% | $5,052.89 | $5,444.88 | 7.888% | No | No | Non-Employment Income | US Citizen | $10,814.56 | 2 | [Redacted] | $4,448.04 | [Redacted] | $370.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.080% | $0.00 | None | No | No | 7.888% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 121.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884501 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,377.50 | $21,088.48 | 7.931% | $4,317.54 | $4,317.54 | 7.625% | No | No | Employed | US Citizen | $15,329.13 | 1 | [Redacted] | $1,175.40 | [Redacted] | $97.95 | 37.432% | 37.432% | 37.432% | [Redacted] | 705 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,377.50 | 6.570% | $20,000.00 | 2.9 | None | Yes | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 90.710% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 01/01/2027 | $21,250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884502 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,985.80 | $9,137.68 | 7.174% | $2,598.71 | $2,598.71 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $9,706.59 | 1 | [Redacted] | $882.00 | [Redacted] | $73.50 | 34.013% | 34.013% | 34.013% | [Redacted] | 768 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,985.80 | 6.520% | $0.00 | 1.1 | DU | ApproveEligible | No | No | 6.990% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.94 | No | $0.00 | $4,709.75 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884505 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,575.67 | 6.960% | $2,102.17 | $2,102.17 | 6.875% | No | No | Employed | Self-Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $11,490.87 | 1 | [Redacted] | $2,130.96 | [Redacted] | $177.58 | 23.915% | 23.915% | 23.915% | [Redacted] | 796 | 810 | 820 | 809 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.520% | $0.00 | 5.0 | None | Yes | No | 6.875% | 2 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | 71.040% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.51 | No | $9,219.11 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884506 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,583.00 | $12,264.89 | 7.094% | $5,024.61 | $5,024.61 | 6.990% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $10,508.36 | 1 | [Redacted] | $789.00 | [Redacted] | $65.75 | 38.838% | 38.838% | 38.838% | [Redacted] | 735 | No | Yes | 12 | Personal | 91.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,583.00 | 6.490% | $33,350.00 | 1.0 | None | Yes | No | 6.990% | 0 | 1 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 24.260% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Resident Alien Card | 4.31 | No | $0.00 | $1,559.42 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884630 | [Redacted] | [Redacted] | N/A | No | No | $35,207.38 | $7,988.84 | 7.130% | $3,738.05 | $3,738.05 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Congo, Democratic Republic of the | $144,664.80 | 4 | [Redacted] | $3,294.96 | [Redacted] | $274.58 | 7.564% | 7.564% | 7.564% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $35,207.38 | 6.490% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 77.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 83.96 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884787 | [Redacted] | [Redacted] | N/A | No | No | $682.18 | $682.18 | 7.250% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $2,512.32 | [Redacted] | $209.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 162.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884802 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,203.63 | $16,619.56 | 7.511% | $3,700.81 | $3,700.81 | 7.250% | No | No | Self-Employed | US Citizen | $9,861.48 | 1 | [Redacted] | $1,647.00 | [Redacted] | $137.25 | 34.572% | 34.572% | 34.572% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,203.63 | 6.370% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884803 | [Redacted] | [Redacted] | N/A | No | No | $44,990.00 | $2,583.96 | 7.018% | $5,742.41 | $5,742.41 | 6.990% | No | No | Self-Employed | US Citizen | $20,714.28 | 1 | [Redacted] | $7,884.96 | [Redacted] | $657.08 | 41.085% | 41.085% | 41.085% | [Redacted] | 714 | Yes | Yes | 24 | Business | 71.000% | 97.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 97.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $44,990.00 | 6.420% | $0.00 | 5.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 262.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884828 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $12,133.87 | 7.774% | $9,979.48 | $9,979.48 | 7.750% | No | No | Self-Employed | US Citizen | $50,839.24 | 1 | [Redacted] | $2,547.84 | [Redacted] | $212.32 | 40.373% | 40.373% | 40.373% | [Redacted] | 767 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.510% | $39,795.00 | 3.9 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 39.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884862 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,729.63 | $6,301.40 | 7.210% | $4,892.88 | $4,892.88 | 7.125% | No | No | Non-Employment Income | US Citizen | $10,832.38 | 1 | [Redacted] | $2,088.00 | [Redacted] | $174.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | No Ratio | 0 | 0 | 0 | [Redacted] | $5,729.63 | 6.570% | $0.00 | 4.5 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886011 | [Redacted] | [Redacted] | N/A | No | No | $1,381.56 | $1,381.56 | 7.625% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,133.04 | [Redacted] | $94.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | 65.870% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886365 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,498.00 | $8,040.82 | 6.903% | $2,469.86 | $2,469.86 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $349,838.15 | 1 | [Redacted] | $2,999.16 | [Redacted] | $249.93 | 2.382% | 2.382% | 2.382% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,498.00 | 6.490% | $0.00 | 1.6 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 61.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886773 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,247.65 | $8,837.98 | 7.256% | $1,870.27 | $1,870.27 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,697.54 | 1 | [Redacted] | $2,717.16 | [Redacted] | $226.43 | 47.332% | 47.332% | 47.332% | [Redacted] | 723 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $7,247.65 | 6.570% | $8,982.45 | 3.3 | None | No | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 62.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 98.95 | No | $3,106.25 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886806 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $4,008.46 | 7.010% | $13,285.97 | $13,285.97 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $22,283.98 | 1 | [Redacted] | $3,515.04 | [Redacted] | $292.92 | 41.487% | 41.487% | 41.487% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.510% | $0.00 | 1.1 | None | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 44.670% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.86 | No | $0.00 | $20,000.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886909 | [Redacted] | [Redacted] | N/A | No | No | $16,275.94 | $99,259.10 | 8.211% | $7,137.27 | $7,137.27 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,709.92 | 1 | [Redacted] | $17,689.92 | [Redacted] | $1,474.16 | 43.129% | 43.129% | 43.129% | [Redacted] | 722 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Farming]; 1040 - Schedule F - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 0 | 0 | [Redacted] | $16,275.94 | 6.490% | $33,000.00 | 1.7 | None | Yes | No | 7.250% | 1 | 1 | 1 | 0 | 2 | 1 | 3.97 | No | [Redacted] | [Redacted] | 38.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.06 | No | No | $18,919.83 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/30/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225889137 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,090.00 | $15,198.30 | 7.134% | $6,320.68 | $7,085.57 | 7.636% | No | No | Self-Employed | US Citizen | $10,640.15 | 1 | [Redacted] | $3,738.00 | [Redacted] | $311.50 | 49.055% | 45.393% | 49.055% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,090.00 | 6.110% | $0.00 | 2.3 | None | N/A | No | 7.636% | 2 | 2 | 0 | 2 | 2 | No | Other | [Redacted] | [Redacted] | 34.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 32.48 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225891816 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,975.00 | $7,238.79 | 6.950% | $5,996.12 | $5,996.12 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $15,975.82 | 1 | [Redacted] | $2,307.48 | [Redacted] | $192.29 | 30.976% | 30.976% | 30.976% | [Redacted] | 810 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,975.00 | 6.510% | $0.00 | 1.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 29.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.59 | No | $23,145.21 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225892670 | [Redacted] | [Redacted] | N/A | No | No | $17,410.00 | $5,663.14 | 6.729% | $1,532.76 | $1,532.76 | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $17,047.51 | 1 | [Redacted] | $1,243.56 | [Redacted] | $103.63 | 42.491% | 42.491% | 42.491% | [Redacted] | 740 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 1 | 0 | 0 | [Redacted] | $17,410.00 | 6.410% | $0.00 | 1.9 | None | Yes | No | 6.500% | 0 | 2 | 1 | 0 | 2 | 2 | 5.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.5 | No | No | $0.00 | $26,306.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225893185 | [Redacted] | [Redacted] | N/A | No | No | $1,778.62 | $1,778.62 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,655.96 | [Redacted] | $221.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [Redacted] | [Redacted] | 82.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225893338 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,075.00 | $5,158.30 | 8.395% | $2,028.42 | $2,028.42 | 8.250% | No | No | Employed | US Citizen | $2,758.42 | 1 | [Redacted] | $2,754.00 | [Redacted] | $229.50 | 49.892% | 49.892% | 49.892% | [Redacted] | 699 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,075.00 | 6.490% | $102,000.00 | 1.4 | None | N/A | No | 8.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225894609 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $6,293.88 | 7.584% | $5,000.00 | $6,494.42 | 7.601% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $50,707.92 | 1 | [Redacted] | $1,636.68 | [Redacted] | $136.39 | 29.402% | 27.322% | 29.402% | 781 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.130% | $0.00 | 3.0 | None | Yes | No | 7.601% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.15 | No | No | ($1,224.25) | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225894923 | [Redacted] | [Redacted] | N/A | No | No | $1,382.43 | $1,382.43 | 6.990% | No | No | Permanent Resident Alien | 2 | [Redacted] | $2,124.96 | [Redacted] | $177.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [Redacted] | [Redacted] | 96.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 104.07 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225894935 | [Redacted] | [Redacted] | N/A | No | No | $2,392.67 | $2,392.67 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,494.96 | [Redacted] | $124.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895162 | [Redacted] | [Redacted] | N/A | No | No | $2,947.00 | $2,947.00 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $2,642.52 | [Redacted] | $220.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895163 | [Redacted] | [Redacted] | N/A | No | No | $2,804.35 | $2,804.35 | 7.125% | No | No | US Citizen | 3 | [Redacted] | $2,130.00 | [Redacted] | $177.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895165 | [Redacted] | [Redacted] | N/A | No | No | $1,744.66 | $1,744.66 | 6.990% | No | No | 0 | Foreign National | Not Provided | 1 | [Redacted] | $1,285.44 | [Redacted] | $107.12 | 0.000% | 0.000% | 0.000% | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.51 | [Redacted] | [Redacted] | 18.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 25.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895166 | [Redacted] | [Redacted] | N/A | No | No | $1,492.87 | $1,492.87 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $998.88 | [Redacted] | $83.24 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [Redacted] | [Redacted] | 47.200% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 30.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895167 | [Redacted] | [Redacted] | N/A | No | No | $8,300.21 | $8,300.21 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $402.00 | [Redacted] | $33.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 30.830% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895168 | [Redacted] | [Redacted] | N/A | No | No | $13,668.36 | $13,668.36 | 6.990% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $5,780.04 | [Redacted] | $481.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | 773 | 770 | 747 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895169 | [Redacted] | [Redacted] | N/A | No | No | $1,094.79 | $1,094.79 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,662.00 | [Redacted] | $138.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.88 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895170 | [Redacted] | [Redacted] | N/A | No | No | $3,289.92 | $3,289.92 | 6.990% | No | No | 0 | 0 | Foreign National | Foreign National | 1 | [Redacted] | $2,679.96 | [Redacted] | $223.33 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.35 | 0.42 | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 42.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895176 | [Redacted] | [Redacted] | N/A | No | No | $3,056.15 | $3,056.15 | 7.250% | No | No | Permanent Resident Alien | 4 | [Redacted] | $2,612.40 | [Redacted] | $217.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [Redacted] | [Redacted] | 11.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895182 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $3,015.00 | $7,188.70 | 7.180% | $1,993.89 | $1,993.89 | 6.990% | No | No | Self-Employed | US Citizen | $4,091.09 | 1 | [Redacted] | $1,041.24 | [Redacted] | $86.77 | 43.313% | 43.313% | 43.313% | [Redacted] | 789 | No | Yes | 24 | Personal, Business | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,015.00 | 6.420% | $0.00 | 1.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | Yes | Not Stated | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895184 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,292.00 | $9,125.31 | 7.327% | $7,940.53 | $7,940.53 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $15,096.46 | 1 | [Redacted] | $4,046.04 | [Redacted] | $337.17 | 46.019% | 46.019% | 46.019% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,292.00 | 6.600% | $14,540.28 | 2.2 | None | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 60.040% | No | 24 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.85 | No | No | $0.00 | $10,841.66 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895196 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,707.10 | $18,936.10 | 7.904% | $3,038.09 | $3,038.09 | 7.500% | No | No | Self-Employed | US Citizen | $3,743.61 | 1 | [Redacted] | $1,593.96 | [Redacted] | $132.83 | 49.975% | 49.975% | 49.975% | [Redacted] | 680 | No | Yes | 36 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,707.10 | 6.260% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895253 | [Redacted] | [Redacted] | N/A | No | No | $32,140.00 | $2,104.22 | 7.024% | $4,087.48 | $4,087.48 | 6.990% | No | No | Not Employed | Employed | US Citizen | $14,294.02 | 1 | [Redacted] | $7,689.00 | [Redacted] | $640.75 | 39.815% | 39.815% | 39.815% | [Redacted] | 764 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $32,140.00 | 6.600% | $0.00 | 1.4 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [Redacted] | [Redacted] | 17.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.04 | No | No | $0.00 | $23,750.00 | No | No | No | No | 2 | 360 | AE | 06/30/2027 | $750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895348 | [Redacted] | [Redacted] | N/A | No | No | $2,074.22 | $2,074.22 | 7.375% | No | No | 0 | US Citizen | N/A | 2 | [Redacted] | $2,522.04 | [Redacted] | $210.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895355 | [Redacted] | [Redacted] | N/A | No | No | $1,005.33 | $1,005.33 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,886.04 | [Redacted] | $157.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895525 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,515.00 | $5,040.80 | 7.447% | $664.63 | $664.63 | 6.990% | No | No | Non-Employment Income | US Citizen | $2,071.51 | 1 | [Redacted] | $1,157.16 | [Redacted] | $96.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,515.00 | 6.490% | $0.00 | 1.8 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 138.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895545 | [Redacted] | [Redacted] | N/A | No | No | $1,590.23 | $1,590.23 | 6.625% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $985.80 | [Redacted] | $82.15 | 0.000% | 0.000% | 0.000% | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 37.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 7.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895891 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,184.00 | $5,807.80 | 7.118% | $2,073.65 | $2,073.65 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,528.94 | 1 | [Redacted] | $960.00 | [Redacted] | $80.00 | 23.835% | 23.835% | 23.835% | 774 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,184.00 | 6.490% | $0.00 | 3.2 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 24.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.81 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225896011 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,922.25 | $10,987.74 | 9.321% | $7,033.87 | $7,033.87 | 9.250% | No | No | Self-Employed | Permanent Resident Alien | $21,229.41 | 1 | [Redacted] | $4,896.00 | [Redacted] | $408.00 | 29.620% | 29.620% | 29.620% | [Redacted] | 737 | No | Yes | 24 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,922.25 | 6.510% | $19,000.00 | 3.0 | None | Yes | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 1.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225896015 | [Redacted] | [Redacted] | N/A | No | No | $2,148.86 | $2,148.86 | 7.250% | No | No | 0 | Foreign National | 1 | [Redacted] | $1,713.96 | [Redacted] | $142.83 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | [Redacted] | 96.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | 122.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225896058 | [Redacted] | [Redacted] | N/A | No | No | $6,216.08 | $6,216.08 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $2,750.04 | [Redacted] | $229.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.83 | 1.19 | [Redacted] | [Redacted] | 32.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225896786 | [Redacted] | [Redacted] | N/A | No | No | $3,716.62 | $3,716.62 | 6.990% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,176.00 | [Redacted] | $98.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [Redacted] | [Redacted] | 23.810% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $1,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897816 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,470.00 | $5,345.80 | 7.323% | $4,447.79 | $4,447.79 | 7.250% | No | No | Self-Employed | US Citizen | $10,759.35 | 1 | [Redacted] | $3,593.04 | [Redacted] | $299.42 | 39.517% | 39.517% | 39.517% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | Audited | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.30000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.30000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.30000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.30000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,470.00 | 6.520% | $10,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 12.00 | No | [Redacted] | [Redacted] | 1.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897820 | [Redacted] | [Redacted] | N/A | No | No | $1,091.48 | $1,091.48 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $518.04 | [Redacted] | $43.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [Redacted] | [Redacted] | 95.200% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225897981 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,844.00 | $6,971.06 | 7.095% | $2,844.62 | $2,844.62 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $78,624.71 | 1 | [Redacted] | $2,933.64 | [Redacted] | $244.47 | 15.137% | 15.137% | 15.137% | 761 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,844.00 | 6.570% | $0.00 | 1.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 25.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/10/2026 | $415,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225898310 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,555.00 | $10,871.12 | 7.971% | $2,982.07 | $2,982.07 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,734.06 | 1 | [Redacted] | $2,895.00 | [Redacted] | $241.25 | 45.293% | 45.293% | 45.293% | [Redacted] | 674 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,555.00 | 6.510% | $157,001.00 | 1.6 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225899812 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,395.00 | $14,764.55 | 8.445% | $4,732.98 | $4,732.98 | 8.250% | No | No | Self-Employed | US Citizen | $19,204.76 | 1 | [Redacted] | $10,085.04 | [Redacted] | $840.42 | 33.463% | 33.463% | 33.463% | [Redacted] | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,395.00 | 6.570% | $10,000.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A12 | 07/08/2027 | $1,097,695.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900098 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,330.50 | $14,602.46 | 7.535% | $3,176.94 | $3,469.51 | 7.886% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $56,508.60 | 1 | [Redacted] | $4,491.00 | [Redacted] | $374.25 | 11.333% | 10.874% | 11.333% | [Redacted] | 770 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,330.50 | 6.190% | $2,000.00 | 1.0 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 67.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 83.31 | No | $31,865.47 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900194 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,136.00 | $9,989.82 | 7.293% | $1,900.84 | $1,900.84 | 6.990% | No | No | Self-Employed | US Citizen | $2,965.93 | 1 | [Redacted] | $1,361.04 | [Redacted] | $113.42 | 54.827% | 54.827% | 54.827% | [Redacted] | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,136.00 | 6.600% | $0.00 | 1.3 | None | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900655 | [Redacted] | [Redacted] | N/A | No | No | $2,190.00 | $5,852.57 | 7.331% | $3,110.72 | $3,110.72 | 7.250% | No | No | Employed | US Citizen | $20,962.95 | 1 | [Redacted] | $978.96 | [Redacted] | $81.58 | 41.655% | 41.655% | 41.655% | [Redacted] | 815 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 130.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900672 | [Redacted] | [Redacted] | N/A | No | No | $786.90 | $786.90 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,013.88 | [Redacted] | $84.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [Redacted] | [Redacted] | 55.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900674 | [Redacted] | [Redacted] | N/A | No | No | $1,339.02 | $1,339.02 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,674.96 | [Redacted] | $139.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | 77.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900901 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $513.47 | 7.266% | $9,025.19 | $9,025.19 | 7.250% | No | No | Self-Employed | US Citizen | $14,563.17 | 2 | [Redacted] | $3,949.80 | [Redacted] | $329.15 | 42.930% | 42.930% | 42.930% | [Redacted] | 664 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.520% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900902 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,410.00 | $17,254.30 | 6.903% | $5,603.89 | $5,603.89 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $148,048.03 | 1 | [Redacted] | $12,414.96 | [Redacted] | $1,034.58 | 10.014% | 10.014% | 10.014% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,410.00 | 6.570% | $25,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.07 | Yes | No | $164,524.17 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900903 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,120.77 | 6.763% | $960.47 | $960.47 | 6.625% | No | No | Non-Employment Income | US Citizen | $4,995.00 | 1 | [Redacted] | $3,090.96 | [Redacted] | $257.58 | 29.109% | 29.109% | 29.109% | [Redacted] | 819 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - 2025 [Borrower - | Primary Income - IRA Distribution]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $294,789.92 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 138 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900905 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,815.00 | $15,957.15 | 9.148% | $4,027.95 | $4,027.95 | 8.875% | No | No | Employed | Employed | US Citizen | US Citizen | $11,574.80 | 1 | [Redacted] | $2,535.96 | [Redacted] | $211.33 | 39.768% | 39.768% | 39.768% | [Redacted] | 639 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 1 | 0 | [Redacted] | $11,815.00 | 6.510% | $0.00 | 1.3 | None | Yes | No | 8.875% | 0 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 53.770% | No | 2 | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 108.2 | No | No | $0.00 | $11,666.66 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900914 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,927.90 | 6.918% | $3,639.39 | $3,639.39 | 6.875% | No | No | Self-Employed | US Citizen | $20,784.18 | 1 | [Redacted] | $5,460.48 | [Redacted] | $455.04 | 41.004% | 41.004% | 41.004% | [Redacted] | 714 | Yes | Yes | 24 | Business | 71.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.420% | $0.00 | 1.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 440.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900916 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,440.00 | $5,573.66 | 5.348% | $529.21 | $529.21 | 4.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,746.58 | 1 | [Redacted] | $1,515.60 | [Redacted] | $126.30 | 21.514% | 21.514% | 21.514% | [Redacted] | 731 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2022 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $4,440.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.66 | Yes | No | $2,912.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900917 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,450.00 | $12,646.30 | 6.872% | $1,896.20 | $1,896.20 | 6.500% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | $12,708.00 | 1 | [Redacted] | $1,425.96 | [Redacted] | $118.83 | 20.613% | 20.613% | 20.613% | [Redacted] | 680 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $5,450.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 25.18 | No | $16,007.62 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900921 | [Redacted] | [Redacted] | N/A | No | No | $9,984.00 | $12,725.37 | 7.232% | $2,095.60 | $2,095.60 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,601.60 | 1 | [Redacted] | $1,152.96 | [Redacted] | $96.08 | 41.196% | 41.196% | 41.196% | [Redacted] | 793 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,984.00 | 6.430% | $0.00 | None | No | No | 6.875% | 0 | 2 | 2 | 0 | 2 | 2 | 4.97 | No | [Redacted] | [Redacted] | No | 28 | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.97 | No | No | $0.00 | $15,028.50 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901012 | [Redacted] | [Redacted] | N/A | No | No | $1,376.67 | $1,376.67 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $920.40 | [Redacted] | $76.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 689.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901020 | [Redacted] | [Redacted] | N/A | No | No | $1,013.95 | $1,013.95 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,028.04 | [Redacted] | $85.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | 781 | 763 | 792 | 759 | 760 | 763 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901024 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,780.48 | $7,706.50 | 7.409% | $1,121.90 | $1,121.90 | 6.990% | No | No | Employed | US Citizen | $2,425.03 | 1 | [Redacted] | $1,733.04 | [Redacted] | $144.42 | 38.804% | 38.804% | 38.804% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,780.48 | 6.510% | $0.00 | 1.9 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901163 | [Redacted] | [Redacted] | N/A | No | No | $4,604.19 | $4,604.19 | 7.875% | No | No | US Citizen | 2 | [Redacted] | $2,499.00 | [Redacted] | $208.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901686 | [Redacted] | [Redacted] | N/A | No | No | $3,448.88 | $3,448.88 | 6.875% | No | No | US Citizen | US Citizen | 4 | [Redacted] | $2,683.68 | [Redacted] | $223.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redacted] | [Redacted] | 37.530% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901754 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,145.00 | $11,474.28 | 7.302% | $7,848.44 | $7,848.44 | 7.250% | No | No | Self-Employed | US Citizen | $25,358.23 | 1 | [Redacted] | $3,200.04 | [Redacted] | $266.67 | 27.741% | 27.741% | 27.741% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,145.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902105 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,271.20 | 6.914% | $5,386.82 | $5,386.82 | 6.875% | No | No | Non-Employment Income | US Citizen | $8,061.07 | 1 | [Redacted] | $1,568.28 | [Redacted] | $130.69 | 46.890% | 46.890% | 46.890% | [Redacted] | 811 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2002 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $0.00 | 1.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 188.57 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902859 | [Redacted] | [Redacted] | N/A | No | No | $9,133.00 | $7,215.23 | 7.020% | $2,470.05 | $2,470.05 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $12,946.61 | 2 | [Redacted] | $1,917.00 | [Redacted] | $159.75 | 28.997% | 28.997% | 28.997% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,133.00 | 6.520% | $10,000.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.43 | No | $18,233.77 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902891 | [Redacted] | [Redacted] | N/A | No | No | $13,578.13 | $17,219.63 | 7.203% | $4,391.55 | $4,391.55 | 6.990% | No | No | Self-Employed | US Citizen | $39,356.98 | 1 | [Redacted] | $2,277.00 | [Redacted] | $189.75 | 35.800% | 35.800% | 35.800% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,578.13 | 6.420% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225904647 | [Redacted] | [Redacted] | N/A | No | No | $657.08 | $657.08 | 8.375% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $1,206.00 | [Redacted] | $100.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | 776 | 788 | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225904648 | [Redacted] | [Redacted] | N/A | No | No | $880.64 | $880.64 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $444.00 | [Redacted] | $37.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | [Redacted] | [Redacted] | 11.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225905423 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,658.13 | $8,679.22 | 7.595% | $3,069.50 | $3,392.16 | 7.888% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $7,579.14 | 1 | [Redacted] | $3,950.04 | [Redacted] | $329.17 | 49.425% | 51.136% | 49.425% | [Redacted] | 766 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,658.13 | 6.230% | $0.00 | 3.2 | None | No | No | 7.888% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.35 | No | No | $14,985.99 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906347 | [Redacted] | [Redacted] | N/A | No | No | $16,390.00 | $2,924.56 | 6.803% | $1,919.85 | $1,919.85 | 6.750% | No | No | Employed | US Citizen | $10,435.44 | 1 | [Redacted] | $1,690.44 | [Redacted] | $140.87 | 26.338% | 26.338% | 26.338% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,390.00 | 6.490% | $0.00 | 2.2 | None | Yes | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 97.860% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906533 | [Redacted] | [Redacted] | N/A | No | No | $2,716.43 | $2,716.43 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $714.00 | [Redacted] | $59.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906556 | [Redacted] | [Redacted] | N/A | No | No | $1,886.41 | $1,886.41 | 7.125% | No | No | 0 | 0 | US Citizen | Not Provided | US Citizen | 2 | [Redacted] | $1,485.00 | [Redacted] | $123.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | 801 | 819 | 782 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 122.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906759 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $5,249.57 | 7.458% | $2,817.95 | $2,817.95 | 7.375% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $16,130.32 | 1 | [Redacted] | $735.96 | [Redacted] | $61.33 | 40.869% | 40.869% | 40.869% | [Redacted] | 784 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.490% | $1,590.28 | 3.5 | None | No | No | 7.375% | 0 | 2 | 2 | 0 | 3 | 3 | 4.47 | No | [Redacted] | [Redacted] | 32.760% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.24 | No | No | $0.00 | $25,902.20 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908750 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,012.38 | $12,070.35 | 9.246% | $3,436.69 | $3,436.69 | 8.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,890.80 | 1 | [Redacted] | $2,426.04 | [Redacted] | $202.17 | 34.503% | 34.503% | 34.503% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 90.000% | 10.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,012.38 | 6.130% | $10,000.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 22.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.69 | No | No | $2,273.49 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908751 | [Redacted] | [Redacted] | N/A | No | No | $12,448.00 | $15,887.10 | 7.663% | $3,370.49 | $3,370.49 | 7.375% | No | No | Self-Employed | US Citizen | $399,625.79 | 1 | [Redacted] | $2,978.04 | [Redacted] | $248.17 | 9.015% | 9.015% | 9.015% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,448.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.61 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908754 | [Redacted] | [Redacted] | N/A | No | No | $6,450.00 | $7,448.43 | 7.267% | $875.61 | $875.61 | 6.750% | No | No | Self-Employed | US Citizen | $1,753.06 | 1 | [Redacted] | $581.16 | [Redacted] | $48.43 | 48.831% | 48.831% | 48.831% | [Redacted] | 797 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 39.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 39.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 39.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 39.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 39.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,450.00 | 6.420% | $0.00 | 4.3 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.18 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908762 | [Redacted] | [Redacted] | N/A | No | No | $1,241.18 | $1,241.18 | 7.750% | No | No | US Citizen | 2 | [Redacted] | $2,753.04 | [Redacted] | $229.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908763 | [Redacted] | [Redacted] | N/A | No | No | $797.56 | $797.56 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,709.76 | [Redacted] | $142.48 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908764 | [Redacted] | [Redacted] | N/A | No | No | $6,851.95 | $6,851.95 | 5.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $4,720.20 | [Redacted] | $393.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.06 | [Redacted] | [Redacted] | 46.100% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | AE | $812,500.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908765 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,011.04 | 7.250% | $5,675.71 | $5,675.71 | 7.250% | No | No | Employed | US Citizen | $24,244.25 | 1 | [Redacted] | $5,253.00 | [Redacted] | $437.75 | 48.048% | 48.048% | 48.048% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.570% | $0.00 | 3.9 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908767 | [Redacted] | [Redacted] | N/A | No | No | $2,658.52 | $2,658.52 | 6.990% | No | No | 0 | Non-Permanent Resident Alien | Not Provided | 2 | [Redacted] | $2,841.00 | [Redacted] | $236.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 170.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908768 | [Redacted] | [Redacted] | Non QM | Yes | No | $49,449.38 | $59,383.22 | 7.487% | $14,581.52 | $14,581.52 | 7.250% | No | No | Self-Employed | US Citizen | $24,938.31 | 1 | [Redacted] | $2,604.12 | [Redacted] | $217.01 | 44.055% | 44.055% | 44.055% | [Redacted] | 714 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $49,449.38 | 6.510% | $50,000.00 | 1.7 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 18.940% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908776 | [Redacted] | [Redacted] | N/A | No | No | $1,334.00 | $1,334.00 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $736.80 | [Redacted] | $61.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 899.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908778 | [Redacted] | [Redacted] | N/A | No | No | $1,952.28 | $1,952.28 | 6.750% | No | No | US Citizen | 4 | [Redacted] | $5,349.00 | [Redacted] | $445.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 69.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908780 | [Redacted] | [Redacted] | N/A | No | No | $1,358.13 | $1,358.13 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,081.80 | [Redacted] | $90.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 261.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225909028 | [Redacted] | [Redacted] | N/A | No | No | $2,225.60 | $2,225.60 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,314.00 | [Redacted] | $109.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | 767 | 742 | 744 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225909052 | [Redacted] | [Redacted] | N/A | No | No | $4,270.04 | $4,270.04 | 6.875% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,971.36 | [Redacted] | $164.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | 45.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910438 | [Redacted] | [Redacted] | N/A | No | No | $6,843.50 | $10,315.16 | 7.235% | $1,694.88 | $1,694.88 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $168,822.68 | 1 | [Redacted] | $1,582.92 | [Redacted] | $131.91 | 8.083% | 8.083% | 8.083% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,843.50 | 6.520% | $5,000.00 | 1.3 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910518 | [Redacted] | [Redacted] | Non QM | Yes | No | $100.00 | $1,999.64 | 7.521% | $2,125.61 | $2,125.61 | 7.500% | No | No | Self-Employed | US Citizen | $46,130.64 | 1 | [Redacted] | $2,679.48 | [Redacted] | $223.29 | 9.894% | 9.894% | 9.894% | [Redacted] | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $100.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910840 | [Redacted] | [Redacted] | N/A | No | No | $9,099.75 | $12,361.48 | 7.330% | $3,361.86 | $3,361.86 | 7.125% | No | No | Self-Employed | US Citizen | $6,176.88 | 2 | [Redacted] | $1,880.04 | [Redacted] | $156.67 | 15.287% | 15.287% | 15.287% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $9,099.75 | 6.510% | $0.00 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910842 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,570.00 | $0.00 | 7.361% | $3,839.70 | $4,296.96 | 7.886% | No | No | Self-Employed | Self-Employed | Self-Employed | 1.51 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Kyrgyzstan | Kyrgyzstan | Kyrgyzstan | $10,948.64 | 1 | [Redacted] | $1,092.96 | [Redacted] | $91.08 | 33.548% | 35.199% | 33.548% | [Redacted] | 740 | 719 | 709 | 702 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 48 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,570.00 | 6.220% | $19,513.49 | 1.3 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 24.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | Employment Authorization | 23.31 | No | $10,601.53 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225910939 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,714.72 | 6.976% | $4,013.34 | $4,013.34 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,954.95 | 1 | [Redacted] | $1,893.96 | [Redacted] | $157.83 | 40.071% | 40.071% | 40.071% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.020% | $2,500.00 | 2.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 44.150% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912274 | [Redacted] | [Redacted] | N/A | No | No | $2,229.55 | $2,229.55 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,302.00 | [Redacted] | $108.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912296 | [Redacted] | [Redacted] | N/A | No | No | $2,837.93 | $2,837.93 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,778.00 | [Redacted] | $231.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.15 | 0.46 | [Redacted] | [Redacted] | 91.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 104.58 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912390 | [Redacted] | [Redacted] | N/A | No | No | $648.60 | $648.60 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $683.04 | [Redacted] | $56.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912396 | [Redacted] | [Redacted] | N/A | No | No | $1,245.15 | $1,245.15 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,280.64 | [Redacted] | $106.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 33.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912399 | [Redacted] | [Redacted] | N/A | No | No | $3,113.75 | $4,422.17 | 7.657% | $690.70 | $690.70 | 7.250% | No | No | Not Employed | Employed | Self-Employed | 15.53 | US Citizen | US Citizen | $14,477.14 | 1 | [Redacted] | $1,215.00 | [Redacted] | $101.25 | 37.241% | 37.241% | 37.241% | [Redacted] | 795 | 749 | 774 | 742 | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,113.75 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 93.260% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.79 | No | No | $1,331.83 | $21,735.85 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914145 | [Redacted] | [Redacted] | N/A | No | No | $2,677.54 | $2,677.54 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $687.96 | [Redacted] | $57.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914155 | [Redacted] | [Redacted] | N/A | No | No | $1,036.82 | $1,036.82 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $2,940.72 | [Redacted] | $245.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 682 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914157 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,876.00 | $5,597.30 | 7.896% | $1,274.03 | $1,274.03 | 7.625% | No | No | Employed | US Citizen | $3,119.98 | 1 | [Redacted] | $1,806.96 | [Redacted] | $150.58 | 36.045% | 36.045% | 36.045% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,876.00 | 6.420% | $0.00 | 2.6 | DU | ApproveIneligible | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914340 | [Redacted] | [Redacted] | N/A | No | No | $2,085.84 | $2,085.84 | 7.375% | No | No | Permanent Resident Alien | 2 | [Redacted] | $2,693.04 | [Redacted] | $224.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914342 | [Redacted] | [Redacted] | N/A | No | No | $1,378.27 | $1,378.27 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,456.20 | [Redacted] | $121.35 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.54 | 0.39 | [Redacted] | [Redacted] | 52.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 82.2 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914363 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,488.24 | $14,296.54 | 7.893% | $3,284.16 | $3,284.16 | 7.625% | No | No | Non-Employment Income | US Citizen | $5,858.22 | 1 | [Redacted] | $2,874.00 | [Redacted] | $239.50 | 47.135% | 47.135% | 47.135% | [Redacted] | 709 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,488.24 | 6.510% | $1,000.00 | 1.6 | None | Yes | No | 7.625% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225914592 | [Redacted] | [Redacted] | N/A | No | No | $1,382.43 | $1,382.43 | 6.990% | No | No | Permanent Resident Alien | 2 | [Redacted] | $2,124.96 | [Redacted] | $177.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | [Redacted] | [Redacted] | 22.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 104.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225915734 | [Redacted] | [Redacted] | N/A | No | No | $9,521.00 | $13,538.14 | 7.658% | $2,101.10 | $2,101.10 | 7.250% | No | No | Self-Employed | US Citizen | $18,280.48 | 1 | [Redacted] | $3,483.00 | [Redacted] | $290.25 | 26.898% | 26.898% | 26.898% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,521.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 75.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.18 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225915996 | [Redacted] | [Redacted] | N/A | No | No | $2,225.60 | $2,225.60 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,314.00 | [Redacted] | $109.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | 767 | 742 | 744 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redacted] | [Redacted] | 10.000% | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225916040 | [Redacted] | [Redacted] | N/A | No | No | $1,305.65 | $1,305.65 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,322.28 | [Redacted] | $110.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225916469 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,292.50 | $10,033.01 | 8.225% | $2,738.01 | $2,738.01 | 7.990% | No | No | Self-Employed | US Citizen | $55,639.35 | 1 | [Redacted] | $1,886.04 | [Redacted] | $157.17 | 9.979% | 9.979% | 9.979% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,292.50 | 6.490% | $5,000.00 | 1.6 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 10.250% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 90.6 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225916483 | [Redacted] | [Redacted] | N/A | No | No | $8,374.35 | $8,374.35 | 6.990% | No | No | US Citizen | 4 | [Redacted] | $3,785.04 | [Redacted] | $315.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | 38.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919075 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,450.00 | $20,354.18 | 7.053% | $12,760.92 | $12,760.92 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $245,818.58 | 1 | [Redacted] | $7,131.00 | [Redacted] | $594.25 | 7.914% | 7.914% | 7.914% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,450.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 50.370% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919087 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,905.00 | $11,518.36 | 7.133% | $4,120.71 | $4,120.71 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $31,219.81 | 1 | [Redacted] | $3,195.72 | [Redacted] | $266.31 | 19.061% | 19.061% | 19.061% | [Redacted] | 806 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,905.00 | 6.600% | $14,000.00 | 2.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 47.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.3 | No | $19,285.98 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919102 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.00 | $5,709.90 | 7.741% | $1,398.43 | $1,398.43 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $29,726.39 | 1 | [Redacted] | $1,261.56 | [Redacted] | $105.13 | 11.889% | 11.889% | 11.889% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,790.00 | 6.570% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 176.22 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919103 | [Redacted] | [Redacted] | N/A | No | No | $3,745.12 | $3,745.12 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,907.04 | [Redacted] | $158.92 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.1 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [Redacted] | [Redacted] | 34.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 28.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919104 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,014.51 | $14,716.47 | 7.540% | $1,701.46 | $1,701.46 | 6.990% | No | No | Employed | US Citizen | $3,305.67 | 1 | [Redacted] | $1,628.88 | [Redacted] | $135.74 | 49.301% | 49.301% | 49.301% | [Redacted] | 708 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,014.51 | 6.420% | $2,500.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 30.450% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919107 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,654.00 | $8,666.93 | 7.252% | $3,449.44 | $3,449.44 | 7.125% | No | No | Employed | US Citizen | $7,029.49 | 1 | [Redacted] | $2,623.20 | [Redacted] | $218.60 | 48.754% | 48.754% | 48.754% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,654.00 | 6.490% | $5,000.00 | 1.0 | None | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 27.180% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919113 | [Redacted] | [Redacted] | N/A | No | No | $7,134.58 | $7,134.58 | 6.750% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $3,074.04 | [Redacted] | $256.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | 810 | 796 | 799 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919114 | [Redacted] | [Redacted] | N/A | No | No | $5,490.00 | $7,406.80 | 7.186% | $2,020.48 | $2,020.48 | 6.990% | No | No | Self-Employed | US Citizen | $6,876.81 | 1 | [Redacted] | $3,019.56 | [Redacted] | $251.63 | 46.449% | 46.449% | 46.449% | [Redacted] | 811 | No | Yes | 12 | Business | 81.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,490.00 | 6.570% | $0.00 | 4.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 30.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.18 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | A | 07/25/2027 | $150,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919117 | [Redacted] | [Redacted] | N/A | No | No | $2,021.16 | $2,021.16 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,760.04 | [Redacted] | $146.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 160.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919119 | [Redacted] | [Redacted] | N/A | No | No | $2,791.76 | $2,791.76 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,322.00 | [Redacted] | $193.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 183.37 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919122 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,461.50 | $11,914.14 | 7.124% | $4,479.61 | $4,479.61 | 6.990% | No | No | Self-Employed | US Citizen | $22,106.52 | 1 | [Redacted] | $1,380.96 | [Redacted] | $115.08 | 43.963% | 43.963% | 43.963% | [Redacted] | 785 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,461.50 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 26.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919126 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,390.00 | $16,664.62 | 7.193% | $10,105.78 | $10,105.78 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,446.66 | 1 | [Redacted] | $8,938.56 | [Redacted] | $744.88 | 47.910% | 47.910% | 47.910% | [Redacted] | 730 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,390.00 | 6.510% | $2,500.00 | 1.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 21.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.9 | Yes | No | $21,546.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919363 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,830.90 | $9,836.54 | 7.419% | $7,543.26 | $7,543.26 | 7.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $23,718.90 | 1 | [Redacted] | $3,594.00 | [Redacted] | $299.50 | 40.671% | 40.671% | 40.671% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,830.90 | 6.490% | $0.00 | 2.6 | None | No | No | 7.375% | 3 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | 59.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.64 | No | No | $16,968.25 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920014 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,602.27 | 7.024% | $3,987.79 | $3,987.79 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,612.20 | 1 | [Redacted] | $849.96 | [Redacted] | $70.83 | 42.513% | 42.513% | 42.513% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.520% | $7,280.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 26.340% | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.24 | No | No | $18,237.18 | $0.00 | No | No | No | No | 3 | 360 | AE | 01/31/2027 | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920022 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,543.92 | 7.255% | $1,199.91 | $1,310.83 | 7.636% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,215.07 | 1 | [Redacted] | $1,416.00 | [Redacted] | $118.00 | 20.144% | 19.066% | 20.144% | [Redacted] | 801 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.160% | $0.00 | 1.9 | None | Yes | No | 7.636% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 319.29 | Yes | No | $3,238.87 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920045 | [Redacted] | [Redacted] | N/A | No | No | $1,410.70 | $1,410.70 | 6.750% | No | No | Foreign National | 1 | [Redacted] | $1,574.04 | [Redacted] | $131.17 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.14 | 0.46 | [Redacted] | [Redacted] | 41.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 33.45 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920152 | [Redacted] | [Redacted] | N/A | No | No | $1,994.21 | $1,994.21 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,643.04 | [Redacted] | $136.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920156 | [Redacted] | [Redacted] | N/A | No | No | $1,010.07 | $1,010.07 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $590.28 | [Redacted] | $49.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [Redacted] | [Redacted] | 35.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920579 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,144.10 | $8,359.50 | 6.913% | $2,558.30 | $2,558.30 | 6.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,223.75 | 1 | [Redacted] | $1,596.12 | [Redacted] | $133.01 | 50.646% | 50.646% | 50.646% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,144.10 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 53.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.59 | No | $7,916.67 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920617 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,699.75 | $6,531.21 | 7.806% | $2,059.68 | $2,059.68 | 7.625% | No | No | Self-Employed | US Citizen | $3,655.23 | 1 | [Redacted] | $1,542.96 | [Redacted] | $128.58 | 45.726% | 45.726% | 45.726% | [Redacted] | 651 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,699.75 | 6.510% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 4.910% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920672 | [Redacted] | [Redacted] | N/A | No | No | $1,364.35 | $1,364.35 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,770.96 | [Redacted] | $147.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [Redacted] | [Redacted] | 74.740% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920712 | [Redacted] | [Redacted] | N/A | No | No | $1,637.22 | $1,637.22 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,829.24 | [Redacted] | $235.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | [Redacted] | [Redacted] | 0.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920736 | [Redacted] | [Redacted] | N/A | No | No | $2,283.01 | $2,283.01 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,693.00 | [Redacted] | $307.75 | 0.000% | 0.000% | 0.000% | 753 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921067 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,281.00 | $8,048.96 | 7.740% | $3,765.46 | $3,765.46 | 7.625% | No | No | Self-Employed | US Citizen | $14,124.04 | 1 | [Redacted] | $10,119.00 | [Redacted] | $843.25 | 49.147% | 49.147% | 49.147% | [Redacted] | 708 | No | Yes | 12 | Business | 84.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,281.00 | 6.520% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921144 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,816.44 | $1,059.36 | 7.858% | $2,411.22 | $2,411.22 | 7.875% | No | No | Self-Employed | US Citizen | $4,986.98 | 1 | [Redacted] | $1,731.00 | [Redacted] | $144.25 | 41.133% | 41.133% | 41.133% | [Redacted] | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,816.44 | 6.520% | $13,710.00 | 1.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921359 | [Redacted] | [Redacted] | N/A | No | No | $32,727.50 | $5,292.19 | 6.918% | $4,064.75 | $4,064.75 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $104,022.08 | 2 | [Redacted] | $2,321.04 | [Redacted] | $193.42 | 17.761% | 17.761% | 17.761% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $32,727.50 | 6.490% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 6.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.81 | Yes | No | $126,487.37 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921388 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,610.00 | $9,836.48 | 7.153% | $3,269.98 | $3,269.98 | 6.990% | No | No | Self-Employed | US Citizen | $47,658.35 | 1 | [Redacted] | $8,273.28 | [Redacted] | $689.44 | 15.661% | 15.661% | 15.661% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,610.00 | 6.490% | $2,500.00 | 2.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 28.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/13/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921570 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,265.00 | $20,856.80 | 8.305% | $4,361.75 | $4,361.75 | 7.990% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $17,524.85 | 1 | [Redacted] | $2,725.20 | [Redacted] | $227.10 | 24.191% | 24.191% | 24.191% | [Redacted] | 745 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,265.00 | 6.570% | $2,500.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 8.65 | No | $13,154.76 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924630 | [Redacted] | [Redacted] | N/A | No | No | $11,695.00 | $15,128.22 | 6.878% | $4,781.25 | $4,781.25 | 6.750% | No | No | Not Employed | Not Employed | Employed | 2.95 | US Citizen | $73,256.68 | 1 | [Redacted] | $6,052.08 | [Redacted] | $504.34 | 18.783% | 18.783% | 20.648% | [Redacted] | 798 | 798 | 799 | 759 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,695.00 | 6.520% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 408.57 | No | No | $0.00 | $90,198.55 | No | No | No | No | 240 | AO | 04/08/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924678 | [Redacted] | [Redacted] | N/A | No | No | $1,455.23 | $1,455.23 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,490.04 | [Redacted] | $124.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 87.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924699 | [Redacted] | [Redacted] | N/A | No | No | $1,790.71 | $1,790.71 | 7.250% | No | No | 0 | 0 | US Citizen | Not Provided | US Citizen | 1 | [Redacted] | $1,638.00 | [Redacted] | $136.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | 784 | 759 | 801 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | [Redacted] | Yes | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924716 | [Redacted] | [Redacted] | N/A | No | No | $2,155.90 | $2,155.90 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,788.96 | [Redacted] | $149.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 682 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | 26.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924724 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,408.20 | $14,065.06 | 8.917% | $3,429.35 | $3,429.35 | 8.625% | No | No | Self-Employed | US Citizen | $10,352.87 | 1 | [Redacted] | $2,160.00 | [Redacted] | $180.00 | 36.755% | 36.755% | 36.755% | [Redacted] | 695 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $10,408.20 | 6.570% | $9,798.00 | 1.0 | None | Yes | No | 8.625% | 1 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 42.140% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924736 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,537.94 | 6.958% | $2,291.37 | $2,291.37 | 6.875% | No | No | Non-Employment Income | US Citizen | $14,620.20 | 1 | [Redacted] | $4,034.04 | [Redacted] | $336.17 | 30.299% | 30.299% | 30.299% | [Redacted] | 735 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $500.00 | 1.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 622.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924843 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,378.00 | $22,212.14 | 7.195% | $5,981.68 | $5,981.68 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,615.18 | 1 | [Redacted] | $2,067.72 | [Redacted] | $172.31 | 44.463% | 44.463% | 44.463% | [Redacted] | 770 | Yes | Yes | 12 | Business | 27.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,378.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 201.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924845 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,332.50 | $13,008.14 | 8.078% | $7,257.37 | $7,257.37 | 7.990% | No | No | Self-Employed | US Citizen | $62,516.08 | 1 | [Redacted] | $2,985.96 | [Redacted] | $248.83 | 15.676% | 15.676% | 15.676% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,332.50 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 30.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924993 | [Redacted] | [Redacted] | N/A | No | No | $1,379.55 | $1,379.55 | 6.875% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,119.96 | [Redacted] | $93.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 85.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924995 | [Redacted] | [Redacted] | N/A | No | No | $4,042.31 | $4,042.31 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $3,059.04 | [Redacted] | $254.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.03 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.19 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924998 | [Redacted] | [Redacted] | N/A | No | No | $1,143.17 | $1,143.17 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $738.96 | [Redacted] | $61.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | 715 | 708 | 715 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redacted] | [Redacted] | 38.680% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924999 | [Redacted] | [Redacted] | N/A | No | No | $716.41 | $716.41 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,406.04 | [Redacted] | $117.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | 751 | 760 | 747 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 54.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925000 | [Redacted] | [Redacted] | N/A | No | No | $2,233.40 | $2,233.40 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $861.48 | [Redacted] | $71.79 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 41.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 11.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925002 | [Redacted] | [Redacted] | N/A | No | No | $1,441.62 | $1,441.62 | 8.500% | No | No | US Citizen | 3 | [Redacted] | $3,060.00 | [Redacted] | $255.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [Redacted] | [Redacted] | 47.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925017 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,837.18 | 7.075% | $1,939.06 | $1,939.06 | 6.990% | No | No | Not Employed | Employed | US Citizen | US Citizen | $3,305.82 | 1 | [Redacted] | $1,050.00 | [Redacted] | $87.50 | 48.619% | 48.619% | 48.619% | [Redacted] | 772 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.570% | $0.00 | 3.8 | DU | ApproveEligible | No | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 32.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.98 | No | No | $0.00 | $6,333.34 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925018 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,995.00 | $11,801.11 | 8.138% | $4,545.02 | $4,545.02 | 7.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $10,631.23 | 1 | [Redacted] | $6,932.04 | [Redacted] | $577.67 | 40.328% | 40.328% | 40.328% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,995.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.990% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 45.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925064 | [Redacted] | [Redacted] | N/A | No | No | $7,740.00 | $10,682.67 | 7.052% | $3,284.64 | $3,284.64 | 6.875% | No | No | Non-Employment Income | US Citizen | $60,356.81 | 1 | [Redacted] | $1,452.96 | [Redacted] | $121.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $7,740.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 908.08 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925065 | [Redacted] | [Redacted] | N/A | No | No | $7,625.00 | $10,501.05 | 7.577% | $2,935.37 | $2,935.37 | 7.375% | No | No | Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $4,821.80 | 1 | [Redacted] | $2,083.68 | [Redacted] | $173.64 | 47.633% | 47.633% | 47.633% | [Redacted] | 737 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,625.00 | 6.490% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 3 | 0 | 3 | 3 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | No | 123.61 | No | No | $1,159.04 | $0.00 | Yes | Yes | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925069 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,911.80 | $14,895.22 | 6.986% | $6,586.14 | $6,586.14 | 6.875% | No | No | Self-Employed | US Citizen | $30,649.65 | 1 | [Redacted] | $2,572.20 | [Redacted] | $214.35 | 46.390% | 46.390% | 46.390% | [Redacted] | 780 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,911.80 | 6.420% | $0.00 | 4.1 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.83 | No | No | $0.00 | $0.00 | No | No | No | No | 10 | 360 | A | 06/18/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925075 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,277.50 | $16,238.54 | 8.090% | $3,280.62 | $3,364.27 | 7.886% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,027.66 | 1 | [Redacted] | $1,934.04 | [Redacted] | $161.17 | 25.089% | 26.557% | 25.089% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,277.50 | 6.230% | $0.00 | 1.8 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 33.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925118 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,050.00 | $13,953.14 | 7.313% | $4,204.00 | $4,204.00 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,227.43 | 1 | [Redacted] | $918.96 | [Redacted] | $76.58 | 46.311% | 46.311% | 46.311% | [Redacted] | 762 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $11,050.00 | 6.520% | $0.00 | 3.0 | None | Yes | No | 7.125% | 1 | 0 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 4.36 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925163 | [Redacted] | [Redacted] | N/A | No | No | $1,733.96 | $1,733.96 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $605.04 | [Redacted] | $50.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 9.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925398 | [Redacted] | [Redacted] | N/A | No | No | $1,162.76 | $1,162.76 | 6.875% | No | No | US Citizen | 3 | [Redacted] | $3,255.96 | [Redacted] | $271.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925400 | [Redacted] | [Redacted] | N/A | No | No | $3,835.00 | $3,835.00 | 6.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,532.64 | [Redacted] | $127.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925435 | [Redacted] | [Redacted] | N/A | No | No | $1,688.66 | $1,688.66 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,173.00 | [Redacted] | $97.75 | 0.000% | 0.000% | 0.000% | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 455.19 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925980 | [Redacted] | [Redacted] | N/A | No | No | $1,364.35 | $1,364.35 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,674.96 | [Redacted] | $139.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | 71.700% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225927468 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,695.00 | $5,713.23 | 6.997% | $8,693.37 | $8,693.37 | 6.990% | No | No | Self-Employed | US Citizen | $37,088.14 | 2 | [Redacted] | $2,047.08 | [Redacted] | $170.59 | 23.552% | 23.552% | 23.552% | [Redacted] | 769 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,695.00 | 6.520% | $12,000.00 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 48.110% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225927571 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,129.93 | $4,708.03 | 7.506% | $1,951.78 | $1,951.78 | 7.375% | No | No | Self-Employed | US Citizen | $8,429.63 | 1 | [Redacted] | $606.00 | [Redacted] | $50.50 | 31.205% | 31.205% | 31.205% | [Redacted] | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,129.93 | 6.510% | $18,771.90 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 19.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225928680 | [Redacted] | [Redacted] | N/A | No | No | $5,374.25 | $5,374.25 | 7.125% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 3 | [Redacted] | $3,933.96 | [Redacted] | $327.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225929061 | [Redacted] | [Redacted] | N/A | No | No | $2,622.05 | $2,622.05 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $5,009.04 | [Redacted] | $417.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225929361 | [Redacted] | [Redacted] | N/A | No | No | $2,179.51 | $2,179.51 | 7.250% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $932.76 | [Redacted] | $77.73 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | [Redacted] | [Redacted] | 84.680% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 91.6 | No | $0.00 | $0.00 | No | No | No | No | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930089 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,125.00 | $10,675.63 | 7.674% | $3,461.11 | $3,461.11 | 7.500% | No | No | Employed | US Citizen | $6,211.25 | 1 | [Redacted] | $1,603.80 | [Redacted] | $133.65 | 42.665% | 42.665% | 42.665% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,125.00 | 6.570% | $0.00 | 3.1 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 53.910% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.98 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930091 | [Redacted] | [Redacted] | N/A | No | No | $64,845.78 | $17,958.99 | 7.493% | $5,944.08 | $8,604.77 | 7.886% | No | No | Self-Employed | US Citizen | $60,944.03 | 3 | [Redacted] | $2,820.00 | [Redacted] | $235.00 | 35.002% | 32.164% | 35.002% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2014 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $64,845.78 | 6.160% | $0.00 | None | No | No | 7.886% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 2.890% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.01 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930092 | [Redacted] | [Redacted] | N/A | No | No | $4,609.00 | $5,218.06 | 7.844% | $745.93 | $745.93 | 7.375% | No | No | Self-Employed | US Citizen | $3,244.29 | 1 | [Redacted] | $1,794.00 | [Redacted] | $149.50 | 36.305% | 36.305% | 36.305% | [Redacted] | 800 | No | Yes | 24 | Personal | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 33.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 33.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 33.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 33.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 33.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 33.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,609.00 | 6.490% | $3,000.00 | 2.6 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 79.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.49 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930096 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,894.00 | $9,442.64 | 7.445% | $2,837.85 | $2,837.85 | 7.250% | No | No | Employed | US Citizen | $8,766.42 | 1 | [Redacted] | $2,388.96 | [Redacted] | $199.08 | 36.793% | 36.793% | 36.793% | [Redacted] | 744 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,894.00 | 6.520% | $0.00 | 1.0 | None | No | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 33.540% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930114 | [Redacted] | [Redacted] | N/A | No | No | $704.51 | $704.51 | 6.990% | No | No | US Citizen | 4 | [Redacted] | $4,064.52 | [Redacted] | $338.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.16 | 0.46 | [Redacted] | [Redacted] | 35.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930116 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,741.00 | $6,353.00 | 7.340% | $3,465.46 | $3,465.46 | 7.250% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $10,892.27 | 1 | [Redacted] | $2,737.80 | [Redacted] | $228.15 | 35.703% | 35.703% | 35.703% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,741.00 | 6.520% | $12,700.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 32.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 16.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930446 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,646.50 | $27,013.56 | 8.135% | $11,215.93 | $11,215.93 | 7.990% | No | No | Self-Employed | US Citizen | $62,955.06 | 1 | [Redacted] | $1,664.04 | [Redacted] | $138.67 | 25.935% | 25.935% | 25.935% | [Redacted] | 774 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,646.50 | 6.490% | $1,500.00 | 1.2 | None | Yes | No | 7.990% | 0 | 0 | 0 | 6 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 38.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930447 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,520.00 | $16,766.13 | 7.609% | $8,558.39 | $8,558.39 | 7.500% | No | No | Self-Employed | US Citizen | $20,528.97 | 1 | [Redacted] | $636.00 | [Redacted] | $53.00 | 42.433% | 42.433% | 42.433% | [Redacted] | 766 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $15,520.00 | 6.490% | $11,460.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 30.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.87 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930448 | [Redacted] | [Redacted] | N/A | No | No | $906.74 | $906.74 | 6.750% | No | No | Permanent Resident Alien | 1 | [Redacted] | $476.04 | [Redacted] | $39.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [Redacted] | [Redacted] | 0.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 103.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937026 | [Redacted] | [Redacted] | N/A | No | No | $4,877.50 | $4,531.46 | 7.512% | $741.09 | $741.09 | 7.125% | No | No | Self-Employed | US Citizen | $10,413.91 | 1 | [Redacted] | $2,490.60 | [Redacted] | $207.55 | 34.069% | 34.069% | 34.069% | [Redacted] | 702 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,877.50 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.03 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937441 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,905.00 | $14,086.40 | 7.082% | $5,557.05 | $7,390.63 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $24,049.23 | 1 | [Redacted] | $4,466.04 | [Redacted] | $372.17 | 36.667% | 31.838% | 36.667% | [Redacted] | 789 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $23,905.00 | 6.570% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 237.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937642 | [Redacted] | [Redacted] | N/A | No | No | $1,615.19 | $1,615.19 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,139.04 | [Redacted] | $94.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 81.690% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937826 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.00 | $5,181.44 | 7.478% | $1,364.35 | $1,364.35 | 7.250% | No | No | Employed | US Citizen | $3,223.46 | 1 | [Redacted] | $896.64 | [Redacted] | $74.72 | 37.674% | 37.674% | 37.674% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $3,790.00 | 6.490% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 29.950% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937829 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,244.00 | $14,236.98 | 7.260% | $3,057.30 | $3,057.30 | 6.990% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $4,978.25 | 1 | [Redacted] | $1,325.04 | [Redacted] | $110.42 | 48.515% | 48.515% | 48.515% | [Redacted] | 760 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,244.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.990% | 1 | 0 | 1 | 0 | 3 | 1 | 0.00 | No | Other | [Redacted] | [Redacted] | 39.900% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 21.8 | No | $712.58 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937908 | [Redacted] | [Redacted] | N/A | No | No | $6,843.56 | $6,843.56 | 6.875% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $6,198.00 | [Redacted] | $516.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 27.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225938500 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,699.56 | 7.276% | $1,293.54 | $1,293.54 | 7.125% | No | No | Employed | US Citizen | $7,106.01 | 1 | [Redacted] | $1,094.04 | [Redacted] | $91.17 | 32.324% | 32.324% | 32.324% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.570% | $0.00 | 2.3 | LP / LPA | Accept/Eligible | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.87 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225938524 | [Redacted] | [Redacted] | N/A | No | No | $6,187.50 | $6,187.50 | 8.250% | No | No | 0 | US Citizen | 4 | [Redacted] | $7,028.64 | [Redacted] | $585.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | 778 | 779 | 759 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.22 | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225940276 | [Redacted] | [Redacted] | N/A | No | No | $6,234.38 | $6,234.38 | 7.125% | No | No | 0 | US Citizen | 4 | [Redacted] | $15,102.00 | [Redacted] | $1,258.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.02 | 240 | [Redacted] | [Redacted] | 46.160% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225940293 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,640.40 | 7.051% | $2,514.30 | $2,514.30 | 6.990% | No | No | Non-Employment Income | US Citizen | $16,035.36 | 1 | [Redacted] | $2,457.60 | [Redacted] | $204.80 | 27.233% | 27.233% | 27.233% | [Redacted] | 805 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.520% | $0.00 | 2.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 542.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225948077 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,306.04 | $12,416.37 | 9.484% | $2,819.24 | $2,819.24 | 9.125% | No | No | Self-Employed | US Citizen | $95,779.66 | 1 | [Redacted] | $1,523.04 | [Redacted] | $126.92 | 11.364% | 11.364% | 11.364% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,306.04 | 6.490% | $3,700.00 | 1.0 | None | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 22.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225951177 | [Redacted] | [Redacted] | N/A | No | No | $1,077.84 | $1,077.84 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $924.84 | [Redacted] | $77.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [Redacted] | [Redacted] | 50.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $3,014,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225952173 | [Redacted] | [Redacted] | N/A | No | No | $1,202.09 | $1,202.09 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $2,427.96 | [Redacted] | $202.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | [Redacted] | 51.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225953613 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,441.24 | 7.060% | $3,190.23 | $3,190.23 | 6.990% | No | No | Employed | US Citizen | $18,981.13 | 1 | [Redacted] | $4,458.96 | [Redacted] | $371.58 | 28.791% | 28.791% | 28.791% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 27.930% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/04/2026 | $815,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225953973 | [Redacted] | [Redacted] | N/A | No | No | $11,777.50 | $5,288.12 | 7.069% | $972.90 | $972.90 | 6.750% | No | No | Self-Employed | US Citizen | $104,788.71 | 1 | [Redacted] | $779.04 | [Redacted] | $64.92 | 15.299% | 15.299% | 15.299% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,777.50 | 6.410% | $0.00 | 3.1 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.93 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956042 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,178.73 | $8,285.23 | 7.709% | $2,447.95 | $2,447.95 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,665.62 | 1 | [Redacted] | $1,346.28 | [Redacted] | $112.19 | 48.164% | 48.164% | 48.164% | [Redacted] | 779 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,178.73 | 6.520% | $11,670.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 1.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.42 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956217 | [Redacted] | [Redacted] | N/A | No | No | $1,284.75 | $1,284.75 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,239.96 | [Redacted] | $103.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 667 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | 82.450% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956275 | [Redacted] | [Redacted] | N/A | No | No | $3,489.31 | $3,489.31 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $5,583.00 | [Redacted] | $465.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 707 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956304 | [Redacted] | [Redacted] | N/A | No | No | $2,185.31 | $2,185.31 | 7.625% | No | No | US Citizen | 2 | [Redacted] | $1,283.04 | [Redacted] | $106.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.72 | 1.38 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.51 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956306 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,927.94 | $10,814.10 | 7.643% | $3,649.50 | $4,704.02 | 7.500% | No | No | Non-Employment Income | US Citizen | $23,681.61 | 1 | [Redacted] | $1,436.88 | [Redacted] | $119.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,927.94 | 6.520% | $572.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 476.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956309 | [Redacted] | [Redacted] | N/A | No | No | $1,293.54 | $1,293.54 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,353.96 | [Redacted] | $112.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redacted] | [Redacted] | 20.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956318 | [Redacted] | [Redacted] | N/A | No | No | $1,573.31 | $1,573.31 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,585.92 | [Redacted] | $132.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 15.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956319 | [Redacted] | [Redacted] | N/A | No | No | $1,478.09 | $1,478.09 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,311.00 | [Redacted] | $109.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 44.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956341 | [Redacted] | [Redacted] | N/A | No | No | $869.10 | $869.10 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,701.96 | [Redacted] | $141.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 134.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956343 | [Redacted] | [Redacted] | N/A | No | No | $35,371.25 | $13,361.39 | 7.229% | $3,240.08 | $3,240.08 | 6.990% | No | No | Self-Employed | US Citizen | $7,149.32 | 1 | [Redacted] | $1,941.96 | [Redacted] | $161.83 | 31.718% | 31.718% | 31.718% | [Redacted] | 702 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $35,371.25 | 6.490% | $0.00 | 1.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956345 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,700.40 | 7.521% | $4,354.17 | $6,281.32 | 7.840% | No | No | Self-Employed | US Citizen | $22,651.14 | 1 | [Redacted] | $4,094.64 | [Redacted] | $341.22 | 42.195% | 40.510% | 42.195% | [Redacted] | 748 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.230% | $0.00 | 3.2 | None | Yes | No | 7.840% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 62.660% | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956347 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,524.00 | $18,698.47 | 8.410% | $4,544.08 | $4,544.08 | 8.125% | No | No | Self-Employed | US Citizen | $52,886.02 | 1 | [Redacted] | $1,650.96 | [Redacted] | $137.58 | 9.968% | 9.968% | 9.968% | [Redacted] | 806 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,524.00 | 6.570% | $15,000.00 | 3.1 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956423 | [Redacted] | [Redacted] | N/A | No | No | $36,148.00 | $8,849.75 | 7.105% | $3,982.80 | $3,982.80 | 6.990% | No | No | Self-Employed | US Citizen | $10,481.22 | 1 | [Redacted] | $3,045.72 | [Redacted] | $253.81 | 34.945% | 34.945% | 34.945% | [Redacted] | 745 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $36,148.00 | 6.490% | $0.00 | 999.0 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 9.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AO | 12/14/2026 | $5,460,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956635 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,590.01 | $10,723.46 | 8.604% | $3,277.81 | $3,277.81 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $33,971.99 | 1 | [Redacted] | $2,882.64 | [Redacted] | $240.22 | 18.138% | 18.138% | 18.138% | [Redacted] | 653 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,590.01 | 6.520% | $0.00 | 1.2 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 14.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956806 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,398.80 | $10,935.08 | 9.621% | $3,383.56 | $3,383.56 | 9.375% | No | No | Self-Employed | US Citizen | $7,989.29 | 1 | [Redacted] | $1,658.04 | [Redacted] | $138.17 | 39.185% | 39.185% | 39.185% | [Redacted] | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,398.80 | 6.410% | $0.00 | 1.0 | None | No | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 20.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225957349 | [Redacted] | [Redacted] | N/A | No | No | $1,060.95 | $1,060.95 | 7.125% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $417.00 | [Redacted] | $34.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 361.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225959581 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $10,735.04 | 6.879% | $17,187.50 | $19,707.86 | 6.875% | No | No | Non-Employment Income | Permanent Resident Alien | $26,815.32 | 1 | [Redacted] | $8,031.00 | [Redacted] | $669.25 | 49.127% | 44.345% | 49.127% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.570% | $0.00 | 2.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 360 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 156.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225960263 | [Redacted] | [Redacted] | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,527.96 | [Redacted] | $127.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225960416 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,977.50 | $7,281.99 | 9.142% | $5,130.91 | $5,130.91 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Ecuador | $17,779.60 | 1 | [Redacted] | $1,325.04 | [Redacted] | $110.42 | 45.899% | 45.899% | 45.899% | [Redacted] | 631 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,977.50 | 6.490% | $35,000.00 | 2.6 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 27.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961122 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,805.86 | $9,603.68 | 8.198% | $1,507.15 | $1,507.15 | 7.750% | No | No | Non-Employment Income | US Citizen | $12,906.27 | 1 | [Redacted] | $1,286.04 | [Redacted] | $107.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $8,805.86 | 6.490% | $6,500.00 | 1.5 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 392.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961123 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,591.24 | $13,280.86 | 7.425% | $1,888.42 | $1,888.42 | 6.990% | No | No | Self-Employed | Permanent Resident Alien | $22,821.51 | 1 | [Redacted] | $1,418.04 | [Redacted] | $118.17 | 14.461% | 14.461% | 14.461% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,591.24 | 6.510% | $50,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 6.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961124 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $9,960.18 | 7.009% | $13,292.62 | $13,292.62 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $84,899.67 | 1 | [Redacted] | $1,687.08 | [Redacted] | $140.59 | 26.273% | 26.273% | 26.273% | [Redacted] | 782 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $0.00 | 2.4 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 69.370% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961125 | [Redacted] | [Redacted] | N/A | No | No | $1,478.80 | $1,478.80 | 6.750% | No | No | US Citizen | 3 | [Redacted] | $1,230.96 | [Redacted] | $102.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 187.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961126 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,654.00 | $7,997.15 | 6.831% | $4,540.19 | $4,540.19 | 6.750% | No | No | Employed | US Citizen | $8,664.72 | 1 | [Redacted] | $4,518.96 | [Redacted] | $376.58 | 47.349% | 47.349% | 47.349% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,654.00 | 6.570% | $0.00 | 2.0 | None | Yes | No | 6.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 177.17 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961132 | [Redacted] | [Redacted] | N/A | No | No | $1,438.39 | $1,438.39 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,083.48 | [Redacted] | $90.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961847 | [Redacted] | [Redacted] | N/A | No | No | $4,000.70 | $4,000.70 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,617.96 | [Redacted] | $134.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | [Redacted] | [Redacted] | 0.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.71 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961869 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,386.25 | $0.00 | 6.841% | $2,309.10 | $2,309.10 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $28,504.62 | 1 | [Redacted] | $858.00 | [Redacted] | $71.50 | 38.618% | 38.618% | 38.618% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,386.25 | 6.570% | $18,500.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 34.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961881 | [Redacted] | [Redacted] | N/A | No | No | $764.34 | $764.34 | 6.875% | No | No | 0 | US Citizen | 1 | [Redacted] | $1,192.68 | [Redacted] | $99.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225963759 | [Redacted] | [Redacted] | N/A | No | No | $6,440.63 | $9,385.47 | 7.503% | $3,281.25 | $4,578.38 | 7.636% | No | No | Employed | US Citizen | $55,852.15 | 1 | [Redacted] | $1,740.00 | [Redacted] | $145.00 | 25.531% | 25.051% | 25.531% | [Redacted] | 767 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,440.63 | 6.230% | $0.00 | 3.3 | None | Yes | No | 7.636% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 336.14 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225963978 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,510.00 | $13,198.04 | 7.227% | $3,269.98 | $3,269.98 | 6.990% | No | No | Self-Employed | US Citizen | $38,024.06 | 1 | [Redacted] | $3,021.00 | [Redacted] | $251.75 | 14.369% | 14.369% | 14.369% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,510.00 | 6.570% | $70,000.00 | 2.9 | None | N/A | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 4.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225963984 | [Redacted] | [Redacted] | N/A | No | No | $853.94 | $853.94 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,145.88 | [Redacted] | $95.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 254.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964051 | [Redacted] | [Redacted] | N/A | No | No | $795.11 | $795.11 | 6.990% | No | No | 0 | US Citizen | 1 | [Redacted] | $748.20 | [Redacted] | $62.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | 240 | [Redacted] | [Redacted] | 62.640% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964195 | [Redacted] | [Redacted] | N/A | No | No | $5,252.76 | $5,252.76 | 7.250% | No | No | US Citizen | 2 | [Redacted] | $447.96 | [Redacted] | $37.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 17 | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.84 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 41.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964256 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $4,540.90 | 7.302% | $8,737.50 | $12,209.03 | 7.636% | No | No | Non-Employment Income | US Citizen | $22,042.64 | 1 | [Redacted] | $4,282.80 | [Redacted] | $356.90 | 45.766% | 37.224% | 45.766% | [Redacted] | 803 | Yes | No | [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.130% | $0.00 | 1.0 | None | Yes | No | 7.636% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 185.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964261 | [Redacted] | [Redacted] | N/A | No | No | $1,934.08 | $1,934.08 | 6.990% | No | No | US Citizen | 3 | [Redacted] | $4,837.08 | [Redacted] | $403.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964303 | [Redacted] | [Redacted] | N/A | No | No | $4,882.11 | $4,882.11 | 7.125% | No | No | US Citizen | 3 | [Redacted] | $2,360.76 | [Redacted] | $196.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 240 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964422 | [Redacted] | [Redacted] | N/A | No | No | $1,053.97 | $1,053.97 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,082.04 | [Redacted] | $90.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | 122.37 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964508 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,893.99 | $20,138.24 | 6.796% | $6,403.10 | $6,403.10 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $40,971.19 | 1 | [Redacted] | $3,935.04 | [Redacted] | $327.92 | 18.455% | 18.455% | 18.455% | [Redacted] | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2009 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,893.99 | 6.490% | $0.00 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 35.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964520 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $7,268.62 | 7.253% | $3,051.94 | $3,051.94 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $5,902.11 | 1 | [Redacted] | $1,953.00 | [Redacted] | $162.75 | 42.830% | 42.830% | 42.830% | [Redacted] | 709 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $0.00 | 1.7 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 0.540% | No | 30 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.51 | No | $0.00 | $4,950.40 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964526 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,815.25 | $8,429.15 | 8.309% | $6,754.64 | $6,754.64 | 8.250% | No | No | Self-Employed | US Citizen | $20,598.70 | 1 | [Redacted] | $990.00 | [Redacted] | $82.50 | 39.439% | 39.439% | 39.439% | [Redacted] | 711 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $26,815.25 | 6.130% | $30,000.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 26.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964536 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,399.69 | $15,325.54 | 7.830% | $4,722.75 | $4,722.75 | 7.625% | No | No | Self-Employed | US Citizen | $26,886.60 | 1 | [Redacted] | $2,406.96 | [Redacted] | $200.58 | 34.846% | 34.846% | 34.846% | [Redacted] | 813 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2016 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,399.69 | 6.520% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 21.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964891 | [Redacted] | [Redacted] | N/A | No | No | $1,249.51 | $1,249.51 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,128.96 | [Redacted] | $94.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redacted] | [Redacted] | 29.420% | Yes | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964970 | [Redacted] | [Redacted] | N/A | No | No | $1,268.75 | $1,268.75 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,404.00 | [Redacted] | $117.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 133.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965105 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,276.33 | $6,931.06 | 7.549% | $2,397.33 | $2,397.33 | 7.375% | No | No | Non-Employment Income | US Citizen | $11,139.49 | 1 | [Redacted] | $852.00 | [Redacted] | $71.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,276.33 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 276.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965871 | [Redacted] | [Redacted] | N/A | No | No | $3,907.02 | $3,907.02 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,718.52 | [Redacted] | $143.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965877 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,953.54 | 6.917% | $3,284.64 | $3,284.64 | 6.875% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,608.01 | 1 | [Redacted] | $6,475.80 | [Redacted] | $539.65 | 48.866% | 48.866% | 48.866% | [Redacted] | 813 | No | No | [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 95.400% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.49 | No | No | $0.00 | $16,834.24 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965888 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,023.92 | $13,883.97 | 7.407% | $3,060.27 | $3,060.27 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | Bolivia (Plurinational State of) | $10,173.33 | 1 | [Redacted] | $1,502.04 | [Redacted] | $125.17 | 28.118% | 28.118% | 28.118% | [Redacted] | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,023.92 | 6.600% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Employment Authorization | No | 4.78 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965889 | [Redacted] | [Redacted] | N/A | No | No | $9,431.00 | $12,550.94 | 7.887% | $5,358.76 | $5,358.76 | 7.750% | No | No | Employed | Permanent Resident Alien | $17,063.30 | 4 | [Redacted] | $7,656.96 | [Redacted] | $638.08 | 19.702% | 19.702% | 19.702% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,431.00 | 6.520% | $18,700.00 | None | No | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 43.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 29.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965903 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $10,810.50 | 7.069% | $6,513.38 | $6,513.38 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $12,460.44 | 1 | [Redacted] | $2,062.56 | [Redacted] | $171.88 | 39.808% | 39.808% | 39.808% | [Redacted] | 799 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.570% | $0.00 | 2.8 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 123.49 | Yes | No | $16,850.11 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965963 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,240.00 | $5,904.40 | 6.819% | $3,891.59 | $3,891.59 | 6.750% | No | No | Self-Employed | US Citizen | $15,352.23 | 1 | [Redacted] | $3,613.80 | [Redacted] | $301.15 | 33.390% | 33.390% | 33.390% | [Redacted] | 711 | No | Yes | 12 | Business | 59.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,240.00 | 6.520% | $404,450.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 21.990% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966050 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $12,665.88 | 6.863% | $5,594.16 | $5,594.16 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $15,240.36 | 1 | [Redacted] | $3,439.20 | [Redacted] | $286.60 | 47.063% | 47.063% | 47.063% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 33.530% | No | 30 | 1 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.58 | No | No | $0.00 | $9,166.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966063 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,418.00 | $4,164.30 | 7.208% | $2,452.34 | $2,452.34 | 7.125% | No | No | Self-Employed | US Citizen | $12,701.13 | 1 | [Redacted] | $2,946.36 | [Redacted] | $245.53 | 28.277% | 28.277% | 28.277% | [Redacted] | 800 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,418.00 | 6.490% | $1,300.00 | 1.9 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 25.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.4 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966064 | [Redacted] | [Redacted] | Non QM | Yes | No | $750.00 | $3,533.85 | 7.303% | $2,924.95 | $2,924.95 | 7.250% | No | No | Self-Employed | US Citizen | $48,460.50 | 1 | [Redacted] | $827.04 | [Redacted] | $68.92 | 27.905% | 27.905% | 27.905% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $750.00 | 6.520% | $0.00 | 999.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 40.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.74 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966182 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,070.00 | $15,325.95 | 7.910% | $5,874.58 | $5,874.58 | 7.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,112.92 | 1 | [Redacted] | $2,691.96 | [Redacted] | $224.33 | 41.072% | 41.072% | 41.072% | [Redacted] | 682 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,070.00 | 6.510% | $0.00 | 3.3 | DU | ApproveEligible | Yes | No | 7.750% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 15 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966189 | [Redacted] | [Redacted] | N/A | No | No | $1,862.39 | $1,862.39 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,060.04 | [Redacted] | $171.67 | 0.000% | 0.000% | 0.000% | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | [Redacted] | 78.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966304 | [Redacted] | [Redacted] | N/A | No | No | $2,107.85 | $2,107.85 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $1,341.24 | [Redacted] | $111.77 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | 27.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 44.85 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966308 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,122.02 | $7,747.61 | 7.669% | $7,357.52 | $7,357.52 | 7.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,444.44 | 1 | [Redacted] | $2,946.00 | [Redacted] | $245.50 | 40.048% | 40.048% | 40.048% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,122.02 | 6.490% | $20,000.00 | 2.9 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966327 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,595.00 | $4,783.00 | 7.280% | $3,613.11 | $3,897.06 | 7.636% | No | No | Employed | Employed | US Citizen | US Citizen | $33,254.91 | 1 | [Redacted] | $4,695.24 | [Redacted] | $391.27 | 27.302% | 26.681% | 27.302% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,595.00 | 6.160% | $7,000.00 | 2.3 | None | Yes | No | 7.636% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 78.350% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.8 | No | No | $0.00 | $20,393.91 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966649 | [Redacted] | [Redacted] | N/A | No | No | $3,619.18 | $3,619.18 | 6.750% | No | No | US Citizen | 3 | [Redacted] | $3,726.96 | [Redacted] | $310.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966804 | [Redacted] | [Redacted] | N/A | No | No | $1,509.13 | $1,509.13 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 3 | [Redacted] | $1,581.96 | [Redacted] | $131.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.13 | 0.46 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 114.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225970155 | [Redacted] | [Redacted] | N/A | No | No | $2,369.86 | $2,369.86 | 6.875% | No | No | 0 | Foreign National | N/A | 1 | [Redacted] | $1,749.00 | [Redacted] | $145.75 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [Redacted] | [Redacted] | 43.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 16.04 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225970534 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,915.00 | $16,328.75 | 8.417% | $16,797.60 | $16,797.60 | 8.375% | No | No | Employed | Employed | US Citizen | US Citizen | $27,516.96 | 1 | [Redacted] | $8,174.40 | [Redacted] | $681.20 | 40.109% | 40.109% | 40.109% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,915.00 | 6.490% | $0.00 | 4.2 | None | Yes | No | 8.375% | 2 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 62.830% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.52 | Yes | No | $0.00 | $17,083.73 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973442 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,424.00 | $6,422.19 | 8.590% | $1,382.33 | $1,382.33 | 8.250% | No | No | Self-Employed | US Citizen | $16,016.44 | 1 | [Redacted] | $2,496.00 | [Redacted] | $208.00 | 24.859% | 24.859% | 24.859% | [Redacted] | 666 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,424.00 | 6.510% | $60,500.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973517 | [Redacted] | [Redacted] | N/A | No | No | $726.36 | $726.36 | 7.125% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $1,190.04 | [Redacted] | $99.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | 779 | 818 | 798 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 296.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973519 | [Redacted] | [Redacted] | N/A | No | No | $47,151.56 | $8,533.26 | 6.815% | $5,618.48 | $5,618.48 | 6.750% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | $75,105.20 | 1 | [Redacted] | $2,839.80 | [Redacted] | $236.65 | 18.692% | 18.692% | 18.692% | [Redacted] | 792 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $47,151.56 | 6.490% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 49.260% | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.3 | No | No | $0.00 | $92,371.43 | No | No | No | No | 2 | 360 | AE | 07/26/2026 | $115,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973614 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,530.00 | $9,440.78 | 7.389% | $3,820.19 | $3,820.19 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $19,025.84 | 1 | [Redacted] | $5,574.00 | [Redacted] | $464.50 | 35.525% | 35.525% | 35.525% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,530.00 | 6.420% | $0.00 | 5.0 | None | No | No | 7.250% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.74 | No | No | $0.00 | $22,842.15 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973673 | [Redacted] | [Redacted] | N/A | No | No | $12,740.00 | $18,882.95 | 7.125% | $7,477.10 | $7,477.10 | 6.990% | No | No | Not Employed | Employed | US Citizen | $14,682.10 | 1 | [Redacted] | $918.84 | [Redacted] | $76.57 | 45.839% | 45.839% | 45.839% | [Redacted] | 797 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $12,740.00 | 6.490% | $50,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 154.42 | No | No | $0.00 | $27,108.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973698 | [Redacted] | [Redacted] | N/A | No | No | $1,400.91 | $1,400.91 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $862.80 | [Redacted] | $71.90 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | [Redacted] | 89.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 89.07 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973791 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,790.00 | $12,268.75 | 7.762% | $5,520.79 | $5,520.79 | 7.625% | No | No | Employed | Not Employed | US Citizen | $10,521.44 | 1 | [Redacted] | $2,095.08 | [Redacted] | $174.59 | 47.408% | 47.408% | 47.408% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,790.00 | 6.520% | $0.00 | 3.1 | None | No | No | 7.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.83 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974038 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,080.55 | $5,840.01 | 7.734% | $3,163.84 | $3,163.84 | 7.625% | No | No | Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $4,451.94 | 1 | [Redacted] | $875.04 | [Redacted] | $72.92 | 48.409% | 48.409% | 48.409% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,080.55 | 6.510% | $0.00 | 2.6 | None | Yes | No | 7.625% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.76 | No | $3,331.42 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974047 | [Redacted] | [Redacted] | N/A | No | No | $699.00 | $699.00 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $788.64 | [Redacted] | $65.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974070 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,546.00 | $4,214.65 | 7.339% | $744.39 | $744.39 | 6.990% | No | No | Non-Employment Income | US Citizen | $1,547.04 | 1 | [Redacted] | $692.04 | [Redacted] | $57.67 | 54.492% | 54.492% | 54.492% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2025 | [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,546.00 | 6.490% | $0.00 | 1.9 | None | No | No | 6.990% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 44.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A8 | 03/06/2027 | $50,479,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974077 | [Redacted] | [Redacted] | N/A | No | No | $864.04 | $864.04 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,172.04 | [Redacted] | $97.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974080 | [Redacted] | [Redacted] | N/A | No | No | $1,290.23 | $1,290.23 | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $759.00 | [Redacted] | $63.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 811.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974088 | [Redacted] | [Redacted] | N/A | No | No | $13,730.80 | $8,233.49 | 8.002% | $4,060.39 | $4,060.39 | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | $16,625.64 | 1 | [Redacted] | $1,935.96 | [Redacted] | $161.33 | 36.422% | 36.422% | 36.422% | [Redacted] | 694 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $13,730.80 | 6.570% | $21,000.00 | 1.9 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 10.790% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.76 | No | $26,150.12 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974089 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,365.00 | $18,736.70 | 7.154% | $5,242.50 | $6,972.29 | 6.990% | No | No | Self-Employed | US Citizen | $38,072.88 | 1 | [Redacted] | $4,254.00 | [Redacted] | $354.50 | 22.454% | 18.930% | 22.454% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,365.00 | 6.510% | $0.00 | 2.4 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974096 | [Redacted] | [Redacted] | N/A | No | No | $7,874.36 | $7,874.36 | 7.250% | No | No | US Citizen | 4 | [Redacted] | $8,970.72 | [Redacted] | $747.56 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | 51.500% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974097 | [Redacted] | [Redacted] | N/A | No | No | $858.99 | $858.99 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $789.72 | [Redacted] | $65.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 240.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974098 | [Redacted] | [Redacted] | N/A | No | No | $690.68 | $690.68 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,484.04 | [Redacted] | $123.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.1 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974111 | [Redacted] | [Redacted] | N/A | No | No | $2,542.21 | $2,542.21 | 6.990% | No | No | Foreign National | 1 | [Redacted] | $2,170.20 | [Redacted] | $180.85 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.2 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [Redacted] | [Redacted] | 6.840% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 15.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974164 | [Redacted] | [Redacted] | N/A | No | No | $732.67 | $732.67 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $1,657.56 | [Redacted] | $138.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974167 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,690.18 | $11,836.08 | 7.164% | $2,463.56 | $2,463.56 | 6.875% | No | No | Self-Employed | US Citizen | $5,627.84 | 1 | [Redacted] | $2,535.96 | [Redacted] | $211.33 | 49.999% | 49.999% | 49.999% | [Redacted] | 683 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.90000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.90000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.90000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.90000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,690.18 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 55.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 69.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974180 | [Redacted] | [Redacted] | N/A | No | No | $675.28 | $675.28 | 8.990% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $776.04 | [Redacted] | $64.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | 784 | 754 | 767 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | [Redacted] | [Redacted] | 33.550% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974370 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,648.94 | $6,557.79 | 7.312% | $2,060.86 | $2,060.86 | 7.125% | No | No | Self-Employed | US Citizen | $10,327.20 | 1 | [Redacted] | $1,264.32 | [Redacted] | $105.36 | 35.438% | 35.438% | 35.438% | [Redacted] | 702 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,648.94 | 6.490% | $15,000.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 29.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225975102 | [Redacted] | [Redacted] | N/A | No | No | $7,094.63 | $7,094.63 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $4,124.04 | [Redacted] | $343.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [Redacted] | [Redacted] | 45.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225976187 | [Redacted] | [Redacted] | N/A | No | No | $1,223.63 | $1,223.63 | 7.750% | No | No | US Citizen | 4 | [Redacted] | $2,915.04 | [Redacted] | $242.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 661 | No | No | DSCR | 4 | 5 | 1 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.56 | [Redacted] | [Redacted] | 4.660% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 5 | 1 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978267 | [Redacted] | [Redacted] | N/A | No | No | $1,988.04 | $1,988.04 | 7.750% | No | No | US Citizen | 2 | [Redacted] | $2,834.04 | [Redacted] | $236.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978368 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,156.96 | $8,408.12 | 8.471% | $2,739.49 | $2,739.49 | 8.250% | No | No | Self-Employed | US Citizen | $4,991.88 | 1 | [Redacted] | $3,249.96 | [Redacted] | $270.83 | 41.933% | 41.933% | 41.933% | [Redacted] | 729 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,156.96 | 6.490% | $0.00 | 2.5 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 48.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978372 | [Redacted] | [Redacted] | N/A | No | No | $1,319.52 | $1,319.52 | 7.990% | No | No | 0 | Non-Permanent Resident Alien | N/A | 1 | [Redacted] | $1,818.00 | [Redacted] | $151.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.2 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978446 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,997.28 | $7,239.02 | 7.992% | $1,713.08 | $1,778.31 | 7.886% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,662.93 | 1 | [Redacted] | $2,784.00 | [Redacted] | $232.00 | 36.681% | 40.036% | 36.681% | [Redacted] | 684 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,997.28 | 6.230% | $0.00 | 2.5 | None | No | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978913 | [Redacted] | [Redacted] | N/A | No | No | $1,313.19 | $1,313.19 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,479.96 | [Redacted] | $123.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225979308 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,149.92 | $6,868.72 | 10.135% | $1,623.03 | $1,623.03 | 9.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $16,457.56 | 1 | [Redacted] | $1,360.08 | [Redacted] | $113.34 | 10.213% | 10.213% | 10.213% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,149.92 | 6.570% | $5,500.00 | 1.0 | None | No | No | 9.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 16.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225979321 | [Redacted] | [Redacted] | N/A | No | No | $1,227.80 | $1,227.80 | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $876.00 | [Redacted] | $73.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 814.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225979430 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,663.39 | $12,047.41 | 7.769% | $2,971.07 | $2,971.07 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $18,947.70 | 1 | [Redacted] | $3,719.04 | [Redacted] | $309.92 | 22.969% | 22.969% | 22.969% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $10,663.39 | 6.490% | $0.00 | 1.1 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 17.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.91 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225979557 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,545.75 | $11,468.59 | 7.949% | $2,441.89 | $2,441.89 | 7.625% | No | Yes | Employed | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $6,230.88 | 1 | [Redacted] | $1,442.28 | [Redacted] | $120.19 | 42.301% | 42.301% | 42.301% | [Redacted] | 739 | 771 | 776 | 793 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,545.75 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.09 | No | No | $8,968.91 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225985186 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,263.44 | $24,612.14 | 7.591% | $7,246.91 | $7,246.91 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $8,105.40 | 1 | [Redacted] | $3,477.96 | [Redacted] | $289.83 | 49.946% | 49.946% | 49.946% | [Redacted] | 663 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $21,263.44 | 6.490% | ($15,131.56) | 4.2 | None | No | No | 7.375% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 31.090% | No | 11 | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.04 | Yes | No | $0.00 | $4,766.67 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986210 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,911.88 | $3,953.01 | 7.079% | $2,376.06 | $2,376.06 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $6,107.72 | 1 | [Redacted] | $3,358.80 | [Redacted] | $279.90 | 43.425% | 43.425% | 43.425% | [Redacted] | 790 | No | Yes | 12 | Business | 62.000% | 50.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,911.88 | 6.490% | $206,500.00 | 2.5 | None | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.410% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.19 | No | $3,346.06 | $0.00 | No | No | No | No | 1 | 360 | AH | 07/21/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986212 | [Redacted] | [Redacted] | N/A | No | No | $5,806.67 | $5,806.67 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $2,415.96 | [Redacted] | $201.33 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.66 | [Redacted] | [Redacted] | 37.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 26.99 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986213 | [Redacted] | [Redacted] | N/A | No | No | $736.75 | $736.75 | 7.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $908.04 | [Redacted] | $75.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 299.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986220 | [Redacted] | [Redacted] | N/A | No | No | $1,852.65 | $1,852.65 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $3,368.28 | [Redacted] | $280.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | No | No | DSCR | 1 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.42 | 0.29 | [Redacted] | [Redacted] | 12.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986236 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,243.32 | $11,480.39 | 6.682% | $1,191.00 | $1,191.00 | 6.125% | No | No | Non-Employment Income | US Citizen | $1,765.85 | 1 | [Redacted] | $1,166.04 | [Redacted] | $97.17 | 45.276% | 45.276% | 45.276% | [Redacted] | 815 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,243.32 | 6.510% | $1,600.00 | 1.0 | None | Yes | No | 6.125% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 76.230% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986239 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,511.25 | $4,830.56 | 7.320% | $689.78 | $689.78 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $1,277.59 | 1 | [Redacted] | $1,547.40 | [Redacted] | $128.95 | 46.210% | 46.210% | 46.210% | [Redacted] | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,511.25 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 88.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986240 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $14,817.40 | 7.101% | $7,443.87 | $7,443.87 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | Not Provided | $45,764.25 | 1 | [Redacted] | $5,472.00 | [Redacted] | $456.00 | 42.354% | 42.354% | 42.354% | [Redacted] | 789 | No | Yes | 12 | Business | 100.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.490% | $0.00 | 3.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 132.85 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986256 | [Redacted] | [Redacted] | N/A | No | No | $1,032.47 | $1,032.47 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,370.04 | [Redacted] | $114.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986273 | [Redacted] | [Redacted] | N/A | No | No | $3,247.16 | $3,247.16 | 7.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $4,601.52 | [Redacted] | $383.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.5 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986280 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,599.75 | $1,070.90 | 9.248% | $3,072.69 | $3,072.69 | 9.250% | No | No | Self-Employed | US Citizen | $11,515.88 | 1 | [Redacted] | $1,673.16 | [Redacted] | $139.43 | 32.248% | 32.248% | 32.248% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,599.75 | 6.490% | $13,313.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 4.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986281 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,284.11 | 7.181% | $3,806.51 | $3,806.51 | 7.125% | No | No | Non-Employment Income | US Citizen | $5,854.42 | 1 | [Redacted] | $4,554.72 | [Redacted] | $379.56 | 45.814% | 45.814% | 45.814% | [Redacted] | 732 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.490% | $0.00 | 1.5 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 229.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986282 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,341.20 | 7.021% | $9,171.91 | $9,171.91 | 6.990% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $52,156.79 | 1 | [Redacted] | $13,317.96 | [Redacted] | $1,109.83 | 39.635% | 39.635% | 39.635% | [Redacted] | 796 | Yes | Yes | 12 | Business | 76.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 80.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.520% | $12,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 120.63 | No | No | $9,707.86 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986283 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,788.05 | $6,218.40 | 7.723% | $1,812.71 | $1,812.71 | 7.500% | No | No | Employed | US Citizen | $3,659.57 | 1 | [Redacted] | $1,524.96 | [Redacted] | $127.08 | 43.000% | 43.000% | 43.000% | [Redacted] | 782 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 7.38000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 7.38000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 7.38000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 7.38000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 7.38000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,788.05 | 6.570% | $35,500.00 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 12.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986284 | [Redacted] | [Redacted] | N/A | No | No | $1,030.18 | $1,030.18 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $979.32 | [Redacted] | $81.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | 756 | 769 | 734 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986287 | [Redacted] | [Redacted] | N/A | No | No | $10,115.20 | $12,514.95 | 7.412% | $1,882.24 | $1,882.24 | 6.990% | No | No | Self-Employed | US Citizen | $25,422.08 | 1 | [Redacted] | $753.36 | [Redacted] | $62.78 | 23.528% | 23.528% | 23.528% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $10,115.20 | 6.520% | $5,000.00 | 2.5 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 64.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/30/2027 | $4,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986289 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,343.16 | 7.695% | $734.18 | $734.18 | 7.500% | No | No | Self-Employed | US Citizen | $8,112.93 | 1 | [Redacted] | $2,603.04 | [Redacted] | $216.92 | 33.964% | 33.964% | 33.964% | [Redacted] | 673 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.83 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986400 | [Redacted] | [Redacted] | N/A | No | No | $4,378.00 | $7,654.38 | 7.425% | $1,116.58 | $1,116.58 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,721.94 | 1 | [Redacted] | $1,113.96 | [Redacted] | $92.83 | 39.776% | 39.776% | 39.776% | [Redacted] | 776 | No | No | Borrower Prepared | [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,378.00 | 6.570% | $7,200.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 3 | 5.97 | No | [Redacted] | [Redacted] | 67.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.78 | No | No | $3,536.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225987237 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,550.10 | 8.230% | $725.07 | $725.07 | 7.875% | No | No | Employed | Not Employed | US Citizen | Non-Permanent Resident Alien | $2,555.40 | 1 | [Redacted] | $1,338.12 | [Redacted] | $111.51 | 39.974% | 39.974% | 39.974% | [Redacted] | 709 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.490% | $0.00 | 1.0 | None | No | No | 7.875% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | Employment Authorization | No | 49.76 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225988653 | [Redacted] | [Redacted] | N/A | No | No | $5,833.75 | $7,476.35 | 7.381% | $1,206.31 | $1,206.31 | 6.990% | No | No | Employed | US Citizen | $3,899.18 | 1 | [Redacted] | $983.52 | [Redacted] | $81.96 | 48.874% | 48.874% | 48.874% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,833.75 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 37.920% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225988654 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,665.00 | $10,613.30 | 7.318% | $1,993.89 | $1,993.89 | 6.990% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $3,986.17 | 1 | [Redacted] | $1,010.04 | [Redacted] | $84.17 | 37.063% | 37.063% | 37.063% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,665.00 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 1 | 0 | No | [Redacted] | [Redacted] | 7.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225989798 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $993.34 | 6.882% | $2,284.31 | $2,284.31 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,908.56 | 1 | [Redacted] | $918.00 | [Redacted] | $76.50 | 48.314% | 48.314% | 48.314% | [Redacted] | 655 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 38.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $8,010.04 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225989809 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,195.93 | 6.944% | $2,093.96 | $2,093.96 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $35,185.53 | 4 | [Redacted] | $6,083.04 | [Redacted] | $506.92 | 12.780% | 12.780% | 12.780% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.490% | $3,000.00 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 2 | No | [Redacted] | [Redacted] | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.26 | No | No | $0.00 | $13,229.89 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225989811 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,580.00 | 7.069% | $2,193.28 | $2,193.28 | 6.990% | No | Yes | Non-Employment Income | Employed | US Citizen | US Citizen | $4,925.45 | 1 | [Redacted] | $3,091.20 | [Redacted] | $257.60 | 49.710% | 49.710% | 49.710% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $0.00 | 2.3 | None | No | No | 6.990% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 63.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.23 | Yes | No | $0.00 | $8,554.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225991173 | [Redacted] | [Redacted] | N/A | No | No | $791.64 | $791.64 | 7.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $632.52 | [Redacted] | $52.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.1 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 91.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225991568 | [Redacted] | [Redacted] | N/A | No | No | $1,195.00 | $2,388.62 | 7.153% | $3,206.90 | $3,206.90 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $19,752.09 | 1 | [Redacted] | $2,971.68 | [Redacted] | $247.64 | 29.697% | 29.697% | 29.697% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,195.00 | 6.490% | $0.00 | 2.2 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 54.450% | No | 30 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.37 | No | No | $0.00 | $11,363.22 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225991605 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,815.00 | $8,684.05 | 7.260% | $3,584.18 | $3,584.18 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $88,116.75 | 1 | [Redacted] | $5,210.52 | [Redacted] | $434.21 | 7.976% | 7.976% | 7.976% | [Redacted] | 745 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,815.00 | 6.490% | $0.00 | 3.8 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225992766 | [Redacted] | [Redacted] | N/A | No | No | $2,204.38 | $4,099.25 | 7.940% | $3,534.71 | $3,534.71 | 7.875% | No | No | Self-Employed | US Citizen | $32,596.33 | 1 | [Redacted] | $6,953.40 | [Redacted] | $579.45 | 29.329% | 29.329% | 29.329% | [Redacted] | 715 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,204.38 | 6.520% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.875% | 0 | 1 | 0 | 2 | 1 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 01/09/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225992778 | [Redacted] | [Redacted] | N/A | No | No | $2,020.95 | $2,020.95 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,038.00 | [Redacted] | $86.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | [Redacted] | [Redacted] | 91.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $37,361,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225993916 | [Redacted] | [Redacted] | N/A | No | No | $1,548.84 | $1,548.84 | 7.375% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $1,022.04 | [Redacted] | $85.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.5 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225993935 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,050.00 | $7,833.90 | 9.040% | $1,555.58 | $1,555.58 | 8.625% | No | No | Employed | US Citizen | $5,359.84 | 1 | [Redacted] | $1,645.32 | [Redacted] | $137.11 | 26.950% | 26.950% | 26.950% | [Redacted] | 621 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $7,050.00 | 6.490% | $0.00 | 1.6 | None | No | No | 8.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994007 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,990.00 | $25,754.36 | 7.302% | $20,541.67 | $26,872.78 | 7.250% | No | No | Employed | US Citizen | $43,748.45 | 1 | [Redacted] | $5,472.00 | [Redacted] | $456.00 | 46.729% | 39.020% | 46.729% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,990.00 | 6.530% | $0.00 | 5.0 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994075 | [Redacted] | [Redacted] | Non QM | Yes | No | $35,934.00 | $4,074.99 | 8.252% | $12,170.52 | $12,170.52 | 8.250% | No | No | Self-Employed | US Citizen | $87,849.86 | 1 | [Redacted] | $5,457.36 | [Redacted] | $454.78 | 31.788% | 31.788% | 31.788% | [Redacted] | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $35,934.00 | 6.570% | $62,000.00 | 1.6 | None | Yes | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.21 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994098 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,090.00 | $7,433.90 | 7.041% | $2,627.72 | $2,627.72 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,835.14 | 1 | [Redacted] | $5,308.56 | [Redacted] | $442.38 | 47.224% | 47.224% | 47.224% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,090.00 | 6.490% | $3,500.00 | 1.0 | None | Yes | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 24.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.72 | No | No | $1,491.79 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994101 | [Redacted] | [Redacted] | N/A | No | No | $2,383.33 | $2,383.33 | 6.500% | No | No | US Citizen | 2 | [Redacted] | $2,661.00 | [Redacted] | $221.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | 240 | [Redacted] | [Redacted] | 52.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994153 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,940.91 | $2,476.36 | 9.047% | $2,637.61 | $2,637.61 | 8.990% | No | No | Self-Employed | US Citizen | $9,956.33 | 1 | [Redacted] | $1,044.00 | [Redacted] | $87.00 | 47.987% | 50.302% | 47.987% | [Redacted] | 686 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,940.91 | 6.240% | $10,000.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 3 | No | [Redacted] | [Redacted] | 22.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.43 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994201 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,269.22 | 7.048% | $4,519.49 | $4,519.49 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,438.70 | 1 | [Redacted] | $4,695.96 | [Redacted] | $391.33 | 49.436% | 49.436% | 49.436% | [Redacted] | 745 | No | Yes | 12 | Business | 48.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 2.5 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Closed End | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.93 | No | No | $0.00 | $11,765.87 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994203 | [Redacted] | [Redacted] | N/A | No | No | $27,800.63 | $12,662.49 | 7.348% | $2,243.13 | $2,243.13 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | $64,880.61 | 1 | [Redacted] | $1,637.04 | [Redacted] | $136.42 | 11.094% | 11.094% | 11.094% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $27,800.63 | 6.490% | $0.00 | 2.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 133.87 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994430 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,729.00 | $6,814.40 | 7.470% | $930.48 | $930.48 | 6.990% | No | No | Self-Employed | US Citizen | $4,050.69 | 1 | [Redacted] | $503.04 | [Redacted] | $41.92 | 30.211% | 30.211% | 30.211% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 99.990% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.99% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.99% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.99% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.99% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.99% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.99% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,729.00 | 6.520% | $0.00 | 1.8 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994433 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,841.00 | $15,259.60 | 7.416% | $3,266.19 | $3,266.19 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $11,378.66 | 1 | [Redacted] | $954.96 | [Redacted] | $79.58 | 35.546% | 35.546% | 35.546% | [Redacted] | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,841.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 24.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.48 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994435 | [Redacted] | [Redacted] | Non QM | Yes | No | $51,377.50 | $58,405.27 | 7.364% | $14,653.38 | $14,653.38 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $35,184.31 | 1 | [Redacted] | $6,245.04 | [Redacted] | $520.42 | 32.269% | 32.269% | 32.269% | [Redacted] | 762 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 1 | 0 | 0 | 0 | [Redacted] | $51,377.50 | 6.490% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 37.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994437 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,127.50 | $9,028.43 | 9.286% | $2,532.30 | $2,532.30 | 8.990% | No | No | Self-Employed | Employed | Non-Permanent Resident Alien | US Citizen | Mexico | $4,354.03 | 1 | [Redacted] | $1,074.96 | [Redacted] | $89.58 | 42.945% | 42.945% | 42.945% | [Redacted] | 793 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,127.50 | 6.520% | $20,000.00 | 1.5 | None | Yes | No | 8.990% | 0 | 2 | 1 | 0 | 2 | 2 | 5.00 | No | [Redacted] | [Redacted] | 15.030% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.87 | No | $0.00 | $3,010.57 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994438 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,881.00 | $411.42 | 8.965% | $6,178.80 | $6,178.80 | 8.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $48,311.97 | 1 | [Redacted] | $1,797.48 | [Redacted] | $149.79 | 21.790% | 21.790% | 21.790% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,881.00 | 6.490% | $22,500.00 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994439 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,514.23 | $10,757.90 | 7.133% | $2,554.40 | $2,554.40 | 6.875% | No | No | Self-Employed | US Citizen | $7,259.73 | 1 | [Redacted] | $7,770.00 | [Redacted] | $647.50 | 43.667% | 43.667% | 43.667% | [Redacted] | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,514.23 | 6.490% | $227,000.00 | 1.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 19.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.56 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/22/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994440 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,979.00 | $12,842.06 | 7.474% | $1,728.04 | $1,728.04 | 6.990% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $26,698.69 | 1 | [Redacted] | $1,360.08 | [Redacted] | $113.34 | 13.856% | 13.856% | 13.856% | 711 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $8,979.00 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 957.97 | Yes | No | $30,993.06 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994442 | [Redacted] | [Redacted] | N/A | No | No | $922.30 | $922.30 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,174.40 | [Redacted] | $181.20 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 93.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AH | $200,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994443 | [Redacted] | [Redacted] | N/A | No | No | $764.04 | $764.04 | 7.250% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,142.04 | [Redacted] | $95.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.54 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 224.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994464 | [Redacted] | [Redacted] | N/A | No | No | $1,308.49 | $1,308.49 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $858.48 | [Redacted] | $71.54 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [Redacted] | [Redacted] | 0.740% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 16.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994498 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,147.44 | $4,120.75 | 7.576% | $630.09 | $895.17 | 7.636% | No | No | Non-Employment Income | US Citizen | $2,278.47 | 1 | [Redacted] | $1,878.96 | [Redacted] | $156.58 | 37.282% | 29.986% | 37.282% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,147.44 | 6.110% | $0.00 | 1.0 | None | Yes | No | 7.636% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 696.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994499 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $6,790.20 | 7.162% | $7,815.13 | $7,815.13 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $13,667.92 | 1 | [Redacted] | $1,962.00 | [Redacted] | $163.50 | 40.746% | 40.746% | 40.746% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,190.00 | 6.520% | $0.00 | 3.2 | None | Yes | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 54.370% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.92 | Yes | No | $0.00 | $8,750.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994502 | [Redacted] | [Redacted] | N/A | No | No | $1,819.43 | $1,819.43 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,935.00 | [Redacted] | $161.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | 62.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994893 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,768.77 | $5,429.88 | 8.122% | $2,671.37 | $2,671.37 | 7.990% | No | No | Self-Employed | US Citizen | $53,171.47 | 1 | [Redacted] | $1,665.00 | [Redacted] | $138.75 | 12.612% | 12.612% | 12.612% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,768.77 | 6.570% | $9,900.00 | 1.2 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 8.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.67 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994895 | [Redacted] | [Redacted] | N/A | No | No | $7,124.38 | $9,958.64 | 7.340% | $2,711.72 | $2,711.72 | 7.125% | No | No | Self-Employed | US Citizen | $170,656.87 | 1 | [Redacted] | $729.00 | [Redacted] | $60.75 | 13.111% | 13.111% | 13.111% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,124.38 | 6.490% | $0.00 | 3.4 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 36.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 103.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225997497 | [Redacted] | [Redacted] | N/A | No | No | $50,997.50 | $11,628.00 | 7.618% | $6,020.24 | $6,020.24 | 7.500% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $46,960.62 | 2 | [Redacted] | $6,203.04 | [Redacted] | $516.92 | 47.797% | 47.797% | 47.797% | [Redacted] | 705 | 689 | 690 | 671 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 1 | 0 | 0 | [Redacted] | $50,997.50 | 6.490% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 32.750% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.1 | No | No | $89,957.95 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225997788 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $2,542.39 | 7.118% | $1,163.10 | $1,163.10 | 6.990% | No | No | Non-Employment Income | US Citizen | $3,339.96 | 1 | [Redacted] | $1,364.04 | [Redacted] | $113.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.490% | $0.00 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 395.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998156 | [Redacted] | [Redacted] | N/A | No | No | $50,358.75 | $17,930.59 | 7.107% | $4,631.35 | $4,631.35 | 6.875% | No | No | Non-Employment Income | US Citizen | $5,843.27 | 1 | [Redacted] | $1,844.64 | [Redacted] | $153.72 | 49.676% | 49.676% | 49.676% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $50,358.75 | 6.490% | $3,040.00 | 4.0 | DU | ApproveIneligible | No | No | 6.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [Redacted] | [Redacted] | 68.210% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.02 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998465 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,663.50 | $11,560.38 | 7.687% | $2,486.44 | $2,486.44 | 7.375% | No | No | Self-Employed | US Citizen | $94,443.84 | 1 | [Redacted] | $2,769.00 | [Redacted] | $230.75 | 10.547% | 10.546% | 10.546% | [Redacted] | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,663.50 | 6.490% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 35.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 15.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998510 | [Redacted] | [Redacted] | N/A | No | No | $1,231.74 | $1,231.74 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,851.12 | [Redacted] | $154.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998827 | [Redacted] | [Redacted] | N/A | No | No | $990.37 | $990.37 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $924.96 | [Redacted] | $77.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.55 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225998895 | [Redacted] | [Redacted] | N/A | No | No | $1,750.06 | $1,750.06 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $788.28 | [Redacted] | $65.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 5.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999031 | [Redacted] | [Redacted] | N/A | No | No | $4,250.00 | $0.00 | 6.967% | $1,860.97 | $1,860.97 | 6.990% | No | No | Non-Employment Income | US Citizen | $18,245.02 | 1 | [Redacted] | $1,539.96 | [Redacted] | $128.33 | 21.302% | 21.302% | 21.302% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,250.00 | 6.490% | $13,900.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 922.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999033 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,942.88 | 7.383% | $1,296.13 | $1,296.13 | 7.250% | No | No | Employed | US Citizen | $13,311.62 | 1 | [Redacted] | $444.00 | [Redacted] | $37.00 | 34.482% | 34.482% | 34.482% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.490% | $1,000.00 | 1.8 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 66.100% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999035 | [Redacted] | [Redacted] | N/A | No | No | $4,275.00 | $4,275.00 | 7.125% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $648.96 | [Redacted] | $54.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 143.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999037 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,756.40 | $11,234.80 | 7.045% | $2,321.98 | $2,321.98 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,665.10 | 1 | [Redacted] | $939.96 | [Redacted] | $78.33 | 37.621% | 37.621% | 37.621% | [Redacted] | 793 | No | Yes | 36 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,756.40 | 6.490% | $10,425.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 27.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 6.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999040 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,854.00 | $11,143.30 | 7.814% | $2,426.27 | $2,426.27 | 7.500% | No | No | Self-Employed | US Citizen | $15,534.71 | 1 | [Redacted] | $1,605.96 | [Redacted] | $133.83 | 35.104% | 35.104% | 35.104% | [Redacted] | 621 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,854.00 | 6.490% | $0.00 | 2.5 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 64.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999044 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,437.82 | $8,413.12 | 8.549% | $1,484.40 | $1,484.40 | 8.125% | No | No | Self-Employed | US Citizen | $13,536.13 | 1 | [Redacted] | $1,659.96 | [Redacted] | $138.33 | 16.638% | 16.638% | 16.638% | [Redacted] | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,437.82 | 6.490% | $0.00 | 2.1 | None | Yes | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 36.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999046 | [Redacted] | [Redacted] | N/A | No | No | $9,000.00 | $9,000.00 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,584.80 | [Redacted] | $215.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999049 | [Redacted] | [Redacted] | N/A | No | No | $127,495.00 | $13,991.72 | 7.171% | $13,474.37 | $13,474.37 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,501.99 | 1 | [Redacted] | $2,394.84 | [Redacted] | $199.57 | 41.796% | 41.796% | 41.796% | [Redacted] | 788 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $127,495.00 | 6.510% | $0.00 | 2.6 | None | Yes | No | 7.125% | 0 | 2 | 1 | 0 | 2 | 0 | 5.97 | No | Other | [Redacted] | [Redacted] | 50.410% | No | 25 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.54 | No | No | $2,259.38 | $14,214.12 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999050 | [Redacted] | [Redacted] | N/A | No | No | $3,226.78 | $3,226.78 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $3,872.04 | [Redacted] | $322.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999054 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,404.00 | $5,714.70 | 7.510% | $2,596.94 | $2,596.94 | 7.375% | No | No | Non-Employment Income | US Citizen | $6,269.44 | 1 | [Redacted] | $1,236.36 | [Redacted] | $103.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,404.00 | 6.490% | $3,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 217.49 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999057 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $3,896.64 | 7.434% | $3,246.17 | $3,246.17 | 7.375% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $12,537.94 | 1 | [Redacted] | $1,226.04 | [Redacted] | $102.17 | 28.426% | 28.426% | 28.426% | [Redacted] | 720 | Yes | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.490% | $2,732.24 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 228.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/30/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999060 | [Redacted] | [Redacted] | N/A | No | No | $10,258.75 | $12,589.43 | 8.028% | $5,329.26 | $5,329.26 | 7.875% | No | No | Employed | Not Employed | US Citizen | $12,105.52 | 1 | [Redacted] | $1,123.08 | [Redacted] | $93.59 | 44.469% | 44.469% | 44.469% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,258.75 | 6.520% | $0.00 | 4.7 | None | No | No | 7.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.16 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999067 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,865.00 | $11,458.24 | 8.047% | $10,996.01 | $10,996.01 | 7.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $60,671.71 | 1 | [Redacted] | $2,579.76 | [Redacted] | $214.98 | 20.555% | 20.555% | 20.555% | 768 | No | Yes | 12 | Business | 77.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,865.00 | 6.530% | $3,000.00 | 1.0 | None | Yes | No | 7.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 27.060% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.77 | No | $0.00 | $17,522.07 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999452 | [Redacted] | [Redacted] | N/A | No | No | $3,347.58 | $3,347.58 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,572.12 | [Redacted] | $131.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | 52.440% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 28.56 | Yes | 35.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999765 | [Redacted] | [Redacted] | N/A | No | No | $990.37 | $990.37 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $969.96 | [Redacted] | $80.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.53 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999818 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,595.00 | $887.00 | 6.972% | $4,599.25 | $4,599.25 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $6,338.52 | 1 | [Redacted] | $1,628.40 | [Redacted] | $135.70 | 48.373% | 48.373% | 48.373% | [Redacted] | 797 | No | Yes | 12 | Personal | 26.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,595.00 | 6.520% | $10,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 19.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.51 | No | $3,149.02 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226000134 | [Redacted] | [Redacted] | N/A | No | No | $1,077.95 | $1,077.95 | 7.125% | No | No | 0 | US Citizen | 1 | [Redacted] | $840.96 | [Redacted] | $70.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | 713 | 713 | 672 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226000180 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $3,710.40 | 7.034% | $3,987.79 | $3,987.79 | 6.990% | No | No | Employed | US Citizen | $6,256.43 | 1 | [Redacted] | $4,287.96 | [Redacted] | $357.33 | 41.745% | 41.745% | 41.745% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.570% | $0.00 | 4.1 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 68.820% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226000225 | [Redacted] | [Redacted] | N/A | No | No | $2,669.26 | $2,669.26 | 6.999% | No | No | US Citizen | 1 | [Redacted] | $1,683.96 | [Redacted] | $140.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | 36.640% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.04 | Broker | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226001273 | [Redacted] | [Redacted] | N/A | No | No | $983.65 | $983.65 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,923.60 | [Redacted] | $160.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [Redacted] | [Redacted] | 30.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $175,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226001398 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,741.60 | 7.489% | $750.39 | $750.39 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $3,756.30 | 1 | [Redacted] | $2,653.08 | [Redacted] | $221.09 | 50.285% | 50.285% | 50.285% | [Redacted] | 815 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 1040 - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 3 | 2 | 0 | 2 | 2 | 17.00 | No | [Redacted] | [Redacted] | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 613.16 | No | No | $2,016.00 | $1,130.60 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226001402 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,284.26 | 7.284% | $5,894.00 | $5,894.00 | 7.250% | No | Yes | Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $17,247.54 | 1 | [Redacted] | $2,834.88 | [Redacted] | $236.24 | 41.930% | 41.930% | 41.930% | [Redacted] | 761 | 782 | 780 | 761 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.520% | $0.00 | 3.8 | None | No | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 16 | 27 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 139.45 | Yes | No | $8,178.62 | $7,666.66 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002479 | [Redacted] | [Redacted] | Non QM | Yes | No | $895.00 | $11,494.90 | 7.185% | $3,642.18 | $3,642.18 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,756.44 | 1 | [Redacted] | $4,259.40 | [Redacted] | $354.95 | 49.476% | 49.476% | 49.476% | [Redacted] | 796 | No | Yes | 12 | Business | 51.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $895.00 | 6.570% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 2 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 21.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.77 | Yes | No | $0.00 | $5,525.95 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002483 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,183.00 | $32,388.94 | 8.190% | $11,579.54 | $11,579.54 | 7.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $17,855.55 | 1 | [Redacted] | $5,208.00 | [Redacted] | $434.00 | 42.946% | 42.946% | 42.946% | [Redacted] | 786 | No | No | Borrower Prepared | [Borrower - | Primary Income - C-Corp]; Account Statements - Business - 2026 [Borrower - | Primary Income - C-Corp]; Balance Sheet - 2026 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 1120 - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; Other - 2021 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2020 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $29,183.00 | 6.490% | $0.00 | 2.4 | None | Yes | No | 7.990% | 2 | 2 | 2 | 0 | 2 | 2 | 5.97 | No | [Redacted] | [Redacted] | 84.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.72 | No | No | $0.00 | $11,625.47 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002486 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,722.76 | $3,223.78 | 7.180% | $1,036.82 | $1,036.82 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,926.18 | 1 | [Redacted] | $1,269.96 | [Redacted] | $105.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,722.76 | 6.530% | $0.00 | 2.4 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 366.97 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002502 | [Redacted] | [Redacted] | N/A | No | No | $10,890.00 | $3,149.56 | 7.916% | $1,289.54 | $1,289.54 | 7.750% | No | No | Employed | US Citizen | $12,205.69 | 1 | [Redacted] | $1,933.32 | [Redacted] | $161.11 | 33.570% | 33.570% | 33.570% | [Redacted] | 705 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $10,890.00 | 6.510% | $0.00 | 1.0 | None | N/A | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 69.210% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.82 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | VE | 07/24/2027 | $22,789,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002632 | [Redacted] | [Redacted] | N/A | No | No | $14,814.98 | $14,814.98 | 7.375% | No | No | US Citizen | 3 | [Redacted] | $7,691.16 | [Redacted] | $640.93 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002737 | [Redacted] | [Redacted] | N/A | No | No | $1,297.20 | $1,297.20 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,347.00 | [Redacted] | $112.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.5 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 241.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002738 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,336.00 | $9,451.94 | 7.667% | $3,045.21 | $3,280.79 | 7.886% | No | No | Self-Employed | US Citizen | $19,913.48 | 1 | [Redacted] | $3,263.04 | [Redacted] | $271.92 | 21.450% | 20.521% | 21.450% | [Redacted] | 733 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,336.00 | 6.160% | $0.00 | 1.1 | None | No | No | 7.886% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 41.400% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002740 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,395.10 | 7.279% | $6,074.78 | $6,074.78 | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $20,788.53 | 1 | [Redacted] | $5,243.04 | [Redacted] | $436.92 | 48.708% | 48.708% | 48.708% | [Redacted] | 644 | No | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Note Receivable]; Note - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Note Receivable]; Note - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.510% | $0.00 | 1.2 | None | No | No | 7.250% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.65 | No | $19,248.35 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002743 | [Redacted] | [Redacted] | N/A | No | No | $4,008.94 | $4,008.94 | 7.625% | No | No | US Citizen | 2 | [Redacted] | $5,453.16 | [Redacted] | $454.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | [Redacted] | 66.310% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002746 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,715.18 | 7.301% | $6,907.03 | $6,907.03 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $13,808.06 | 1 | [Redacted] | $3,432.00 | [Redacted] | $286.00 | 47.742% | 47.742% | 47.742% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $10,000.00 | 2.6 | None | N/A | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 70.920% | No | 29 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.32 | No | $0.00 | $16,807.40 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002747 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,388.60 | $7,073.97 | 7.725% | $1,996.96 | $1,996.96 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $4,908.43 | 1 | [Redacted] | $2,245.44 | [Redacted] | $187.12 | 34.440% | 34.440% | 34.440% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $6,388.60 | 6.520% | $10,698.76 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 36.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 49.92 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002748 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,302.50 | $3,475.76 | 7.626% | $1,748.04 | $1,748.04 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,422.08 | 1 | [Redacted] | $2,030.04 | [Redacted] | $169.17 | 42.735% | 42.735% | 42.735% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,302.50 | 6.510% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 49.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002754 | [Redacted] | [Redacted] | N/A | No | No | $897.25 | $897.25 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $1,010.04 | [Redacted] | $84.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 176.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002756 | [Redacted] | [Redacted] | N/A | No | No | $897.25 | $897.25 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,923.84 | [Redacted] | $160.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.07 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 365.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $2,363,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002757 | [Redacted] | [Redacted] | N/A | No | No | $8,868.29 | $8,868.29 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $10,731.72 | [Redacted] | $894.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [Redacted] | [Redacted] | 19.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002759 | [Redacted] | [Redacted] | N/A | No | No | $1,745.21 | $1,745.21 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $773.04 | [Redacted] | $64.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 532.82 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002815 | [Redacted] | [Redacted] | N/A | No | No | $2,066.45 | $2,066.45 | 7.875% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,790.64 | [Redacted] | $149.22 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 28.89 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003007 | [Redacted] | [Redacted] | N/A | No | No | $695.30 | $695.30 | 6.750% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $842.04 | [Redacted] | $70.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.4 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | 16.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003010 | [Redacted] | [Redacted] | N/A | No | No | $10,615.00 | $11,989.74 | 7.263% | $2,791.45 | $2,791.45 | 6.990% | No | No | Self-Employed | US Citizen | $234,128.23 | 1 | [Redacted] | $2,812.08 | [Redacted] | $234.34 | 3.801% | 3.801% | 3.801% | [Redacted] | 809 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,615.00 | 6.530% | $13,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 145.21 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003038 | [Redacted] | [Redacted] | N/A | No | No | $3,218.95 | $3,218.95 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $3,532.68 | [Redacted] | $294.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003141 | [Redacted] | [Redacted] | N/A | No | No | $4,322.59 | $4,322.59 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $2,409.96 | [Redacted] | $200.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003231 | [Redacted] | [Redacted] | N/A | No | No | $2,814.71 | $2,814.71 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,995.00 | [Redacted] | $166.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.15 | [Redacted] | [Redacted] | 12.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003247 | [Redacted] | [Redacted] | N/A | No | No | $11,626.88 | $11,626.88 | 7.500% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $8,830.32 | [Redacted] | $735.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | VE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003443 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,118.00 | $14,433.15 | 7.650% | $5,981.68 | $6,532.55 | 7.886% | No | No | Non-Employment Income | US Citizen | $16,347.93 | 1 | [Redacted] | $15,380.64 | [Redacted] | $1,281.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,118.00 | 6.240% | $0.00 | 1.8 | None | No | No | 7.886% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 286.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 11/10/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004245 | [Redacted] | [Redacted] | N/A | No | No | $40,499.00 | $11,805.92 | 6.674% | $3,868.26 | $3,868.26 | 6.500% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | Not Provided | $16,570.10 | 2 | [Redacted] | $1,589.04 | [Redacted] | $132.42 | 32.011% | 32.011% | 32.011% | [Redacted] | 773 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $40,499.00 | 6.410% | $6,000.00 | None | No | No | 6.500% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [Redacted] | [Redacted] | 29.140% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.93 | No | No | $23,904.38 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004276 | [Redacted] | [Redacted] | Non QM | Yes | No | $31,724.72 | $9,188.76 | 7.560% | $8,278.70 | $8,278.70 | 7.500% | No | No | Self-Employed | US Citizen | $21,342.63 | 1 | [Redacted] | $2,166.12 | [Redacted] | $180.51 | 44.608% | 44.608% | 44.608% | [Redacted] | 725 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 2yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $31,724.72 | 6.520% | $303,000.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | [Redacted] | [Redacted] | 1.960% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004405 | [Redacted] | [Redacted] | N/A | No | No | $1,440.70 | $1,440.70 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,214.00 | [Redacted] | $184.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [Redacted] | [Redacted] | 67.770% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004591 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,905.00 | $6,083.20 | 7.470% | $1,841.88 | $1,841.88 | 7.250% | No | No | Self-Employed | US Citizen | $4,163.61 | 1 | [Redacted] | $2,416.08 | [Redacted] | $201.34 | 49.960% | 49.960% | 49.960% | [Redacted] | 715 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,905.00 | 6.570% | $0.00 | 4.1 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004765 | [Redacted] | [Redacted] | N/A | No | No | $1,416.14 | $1,416.14 | 8.250% | No | No | US Citizen | 1 | [Redacted] | $1,893.36 | [Redacted] | $157.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 668 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.6 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [Redacted] | [Redacted] | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004767 | [Redacted] | [Redacted] | N/A | No | No | $2,719.56 | $2,719.56 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $951.00 | [Redacted] | $79.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005567 | [Redacted] | [Redacted] | N/A | No | No | $1,121.56 | $1,121.56 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $639.00 | [Redacted] | $53.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.01 | [Redacted] | [Redacted] | 45.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005581 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,176.64 | $12,611.61 | 8.640% | $6,525.49 | $6,525.49 | 8.500% | No | No | Self-Employed | US Citizen | $30,375.81 | 1 | [Redacted] | $2,504.52 | [Redacted] | $208.71 | 21.428% | 21.428% | 21.428% | [Redacted] | 679 | No | Yes | 12 | Business | 100.000% | 65.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,176.64 | 6.520% | $109.56 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 29.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005582 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,310.25 | $15,675.75 | 7.984% | $4,706.83 | $4,706.83 | 7.750% | No | No | Self-Employed | US Citizen | $15,371.97 | 1 | [Redacted] | $6,441.00 | [Redacted] | $536.75 | 35.824% | 35.824% | 35.824% | [Redacted] | 792 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,310.25 | 6.530% | $10,000.00 | 1.6 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005583 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,135.00 | $11,233.86 | 7.256% | $5,039.41 | $5,039.41 | 7.125% | No | No | Self-Employed | US Citizen | $26,846.06 | 1 | [Redacted] | $5,588.28 | [Redacted] | $465.69 | 28.276% | 28.276% | 28.276% | [Redacted] | 778 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,135.00 | 6.530% | $1,000.00 | 1.5 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 36.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005584 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,680.00 | $9,521.06 | 7.120% | $4,120.71 | $4,120.71 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,977.39 | 1 | [Redacted] | $277.68 | [Redacted] | $23.14 | 41.035% | 41.035% | 41.035% | [Redacted] | 820 | Yes | No | Audited | [Borrower - | Primary Income - C-Corp]; Balance Sheet - 2026 [Borrower - | Primary Income - C-Corp]; CPA Letter - 2026 [Borrower - | Primary Income - C-Corp]; Other - 2026 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2026 [Borrower - | Primary Income - C-Corp]; Paystubs - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 1120 - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - C-Corp]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Other - 2026 [Coborrower(s) - | Primary Income - C-Corp]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Paystubs - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2025 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,680.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 1 | 1 | 1 | 0 | 2 | 1 | 5.93 | No | Other | [Redacted] | [Redacted] | 56.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.14 | No | No | $7,500.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005586 | [Redacted] | [Redacted] | N/A | No | No | $1,724.72 | $1,724.72 | 7.125% | No | No | Permanent Resident Alien | 1 | [Redacted] | $683.76 | [Redacted] | $56.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | [Redacted] | 43.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005591 | [Redacted] | [Redacted] | N/A | No | No | $20,260.00 | $9,482.20 | 7.378% | $1,568.53 | $1,568.53 | 6.990% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Honduras | $248,308.01 | 1 | [Redacted] | $2,505.96 | [Redacted] | $208.83 | 4.115% | 4.115% | 4.115% | [Redacted] | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,260.00 | 6.530% | $0.00 | 999.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 163.79 | No | No | $258,963.37 | $0.00 | No | Yes | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005596 | [Redacted] | [Redacted] | N/A | No | No | $19,230.00 | $21,589.12 | 8.181% | $3,610.72 | $3,610.72 | 7.750% | No | No | Employed | US Citizen | $4,486.77 | 2 | [Redacted] | $2,127.00 | [Redacted] | $177.25 | 39.882% | 39.882% | 39.882% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $19,230.00 | 6.490% | $5,000.00 | None | No | No | 7.750% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 29.160% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.71 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005599 | [Redacted] | [Redacted] | N/A | No | No | $1,084.69 | $1,084.69 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $950.04 | [Redacted] | $79.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005623 | [Redacted] | [Redacted] | N/A | No | No | $8,800.00 | $11,095.90 | 7.328% | $3,368.59 | $3,368.59 | 7.125% | No | No | Non-Employment Income | US Citizen | $22,573.73 | 1 | [Redacted] | $50.04 | [Redacted] | $4.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $8,800.00 | 6.520% | $0.00 | 3.4 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 299.99 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005644 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,129.52 | 7.931% | $8,026.52 | $8,026.52 | 7.875% | No | No | Self-Employed | US Citizen | $17,170.15 | 1 | [Redacted] | $2,457.96 | [Redacted] | $204.83 | 35.759% | 35.759% | 35.759% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.530% | $1,948.16 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 17.400% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005677 | [Redacted] | [Redacted] | N/A | No | No | $15,760.00 | $19,627.40 | 7.272% | $4,519.49 | $4,519.49 | 6.990% | No | No | Self-Employed | US Citizen | $33,508.10 | 1 | [Redacted] | $2,843.40 | [Redacted] | $236.95 | 29.110% | 29.110% | 29.110% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,760.00 | 6.490% | $0.00 | 3.1 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 4.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.13 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226006417 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,663.60 | $12,277.65 | 8.238% | $2,552.24 | $2,552.24 | 7.875% | No | No | Self-Employed | US Citizen | $8,097.22 | 1 | [Redacted] | $4,298.76 | [Redacted] | $358.23 | 38.620% | 38.620% | 38.620% | [Redacted] | 693 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $11,663.60 | 6.490% | $2,000.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | 95.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226006435 | [Redacted] | [Redacted] | N/A | No | No | $1,149.63 | $1,149.63 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $330.00 | [Redacted] | $27.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 74.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226006448 | [Redacted] | [Redacted] | N/A | No | No | $21,430.00 | $5,298.80 | 7.274% | $2,263.69 | $2,263.69 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,700.87 | 1 | [Redacted] | $910.80 | [Redacted] | $75.90 | 29.542% | 29.542% | 29.542% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $21,430.00 | 6.530% | $1,475.00 | 1.0 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 34.780% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.18 | No | No | $0.00 | $9,505.79 | No | No | No | No | 2 | 360 | VE | 03/09/2027 | $99,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226006477 | [Redacted] | [Redacted] | N/A | No | No | $1,273.62 | $1,273.62 | 6.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $794.04 | [Redacted] | $66.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 711.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226006482 | [Redacted] | [Redacted] | N/A | No | No | $1,160.33 | $1,160.33 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,626.00 | [Redacted] | $135.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226014362 | [Redacted] | [Redacted] | N/A | No | No | $1,267.87 | $1,267.87 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,182.48 | [Redacted] | $98.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 180.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226022309 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,495.00 | $9,275.49 | 7.045% | $8,507.28 | $8,507.28 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,921.99 | 1 | [Redacted] | $4,922.76 | [Redacted] | $410.23 | 41.563% | 41.563% | 41.563% | [Redacted] | 772 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,495.00 | 6.490% | $0.00 | 1.5 | None | No | No | 6.990% | 0 | 0 | 1 | 0 | 3 | 1 | 5.80 | No | [Redacted] | [Redacted] | 15.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.66 | Yes | No | $12,767.58 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226022398 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,254.14 | $22,375.74 | 6.979% | $5,775.77 | $5,775.77 | 6.750% | No | No | Self-Employed | US Citizen | $24,785.23 | 1 | [Redacted] | $1,530.96 | [Redacted] | $127.58 | 22.542% | 22.542% | 22.542% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,254.14 | 6.600% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030857 | [Redacted] | [Redacted] | N/A | No | No | $736.11 | $736.11 | 7.625% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,323.96 | [Redacted] | $110.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 95.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030876 | [Redacted] | [Redacted] | N/A | No | No | $4,348.87 | $4,348.87 | 7.250% | No | No | US Citizen | 2 | [Redacted] | $1,981.08 | [Redacted] | $165.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030989 | [Redacted] | [Redacted] | N/A | No | No | $1,179.01 | $1,179.01 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $1,026.96 | [Redacted] | $85.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031113 | [Redacted] | [Redacted] | N/A | No | No | $2,790.00 | $5,551.00 | 7.135% | $2,392.67 | $2,392.67 | 6.990% | No | No | Self-Employed | US Citizen | $30,011.43 | 1 | [Redacted] | $2,181.00 | [Redacted] | $181.75 | 19.585% | 19.585% | 19.585% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,790.00 | 6.530% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 6.990% | 0 | 2 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 72.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031698 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,626.20 | 6.795% | $3,721.33 | $3,721.33 | 6.750% | No | No | Employed | US Citizen | $42,992.63 | 1 | [Redacted] | $7,501.32 | [Redacted] | $625.11 | 15.996% | 15.996% | 15.996% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 36.950% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.42 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032713 | [Redacted] | [Redacted] | N/A | No | No | $35,290.00 | $9,307.80 | 7.524% | $3,867.78 | $3,867.78 | 7.375% | No | No | Self-Employed | US Citizen | $16,299.28 | 2 | [Redacted] | $6,372.84 | [Redacted] | $531.07 | 42.103% | 42.103% | 42.103% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $35,290.00 | 6.490% | $0.00 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 28.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/22/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032719 | [Redacted] | [Redacted] | N/A | No | No | $1,084.69 | $1,084.69 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,269.96 | [Redacted] | $105.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.7 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.94 | 0.51 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032990 | [Redacted] | [Redacted] | N/A | No | No | $1,091.48 | $1,091.48 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,164.12 | [Redacted] | $97.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [Redacted] | [Redacted] | 33.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.16 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033290 | [Redacted] | [Redacted] | N/A | No | No | $1,721.98 | $1,721.98 | 6.750% | No | No | 0 | Foreign National | Not Provided | 1 | [Redacted] | $1,250.40 | [Redacted] | $104.20 | 0.000% | 0.000% | 0.000% | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 10.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 11.43 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033420 | [Redacted] | [Redacted] | N/A | No | No | $2,235.63 | $2,235.63 | 7.625% | No | No | Foreign National | Foreign National | 1 | [Redacted] | $1,365.72 | [Redacted] | $113.81 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [Redacted] | [Redacted] | 31.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | 7.7 | No | $0.00 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033429 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,592.96 | 8.914% | $4,598.83 | $4,598.83 | 8.875% | No | No | Self-Employed | US Citizen | $9,535.72 | 1 | [Redacted] | $5,347.20 | [Redacted] | $445.60 | 42.851% | 42.851% | 42.851% | [Redacted] | 699 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.530% | $2,500.00 | 1.5 | None | Yes | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 23.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033431 | [Redacted] | [Redacted] | N/A | No | No | $11,838.00 | $4,676.22 | 7.171% | $1,019.55 | $1,019.55 | 6.875% | No | No | Self-Employed | US Citizen | $858.19 | 1 | [Redacted] | $1,779.12 | [Redacted] | $148.26 | 40.881% | 40.881% | 40.881% | [Redacted] | 790 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,838.00 | 6.490% | $0.00 | 1.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033432 | [Redacted] | [Redacted] | N/A | No | No | $12,265.00 | $13,984.82 | 7.650% | $6,292.93 | $6,292.93 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $285,542.45 | 1 | [Redacted] | $5,512.44 | [Redacted] | $459.37 | 10.999% | 10.999% | 10.999% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,265.00 | 6.530% | $0.00 | 1.7 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.22 | No | No | $320,831.69 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033433 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $1,968.74 | 7.641% | $950.93 | $950.93 | 7.500% | No | No | Employed | US Citizen | $2,328.02 | 1 | [Redacted] | $480.00 | [Redacted] | $40.00 | 39.511% | 39.511% | 39.511% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.530% | $5,100.00 | 1.4 | None | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 26.140% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033434 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,119.00 | $20,269.22 | 7.288% | $4,466.32 | $4,466.32 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,770.54 | 1 | [Redacted] | $5,210.40 | [Redacted] | $434.20 | 38.701% | 38.701% | 38.701% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $13,119.00 | 6.520% | $1,500.00 | 3.4 | None | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 34.810% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033436 | [Redacted] | [Redacted] | N/A | No | No | $2,021.16 | $2,021.16 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,886.04 | [Redacted] | $157.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033443 | [Redacted] | [Redacted] | N/A | No | No | $1,648.28 | $1,648.28 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $873.96 | [Redacted] | $72.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [Redacted] | [Redacted] | 39.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033444 | [Redacted] | [Redacted] | N/A | No | No | $2,535.63 | $2,535.63 | 6.625% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $981.48 | [Redacted] | $81.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.03 | 0.49 | [Redacted] | [Redacted] | 80.660% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033446 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,190.00 | $12,359.06 | 7.260% | $5,861.35 | $5,861.35 | 7.125% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $22,241.30 | 1 | [Redacted] | $1,188.00 | [Redacted] | $99.00 | 48.222% | 48.222% | 48.222% | 767 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $10,190.00 | 6.530% | $0.00 | None | No | No | 7.125% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 40.050% | No | 28 | 30 | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.46 | Yes | No | $0.00 | $32,500.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033447 | [Redacted] | [Redacted] | N/A | No | No | $1,216.27 | $1,216.27 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $864.96 | [Redacted] | $72.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 647 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033557 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,753.78 | $14,584.78 | 7.898% | $3,679.11 | $3,679.11 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $34,151.68 | 1 | [Redacted] | $2,397.00 | [Redacted] | $199.75 | 22.487% | 22.487% | 22.487% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,753.78 | 6.490% | $0.00 | 5.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 140.43 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033568 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,725.25 | $19,382.09 | 9.024% | $5,735.05 | $5,735.05 | 8.750% | No | No | Self-Employed | US Citizen | $64,064.08 | 1 | [Redacted] | $4,484.16 | [Redacted] | $373.68 | 26.081% | 26.081% | 26.081% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,725.25 | 6.530% | $0.00 | 2.6 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 26.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033570 | [Redacted] | [Redacted] | N/A | No | No | $739.04 | $739.04 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,078.20 | [Redacted] | $89.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 228.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033571 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,714.20 | 7.114% | $1,347.87 | $1,347.87 | 6.990% | No | No | Non-Employment Income | US Citizen | $2,106.81 | 1 | [Redacted] | $1,017.36 | [Redacted] | $84.78 | 44.561% | 44.561% | 44.561% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.520% | $6,750.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033577 | [Redacted] | [Redacted] | N/A | No | No | $1,345.47 | $1,345.47 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,463.04 | [Redacted] | $121.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | [Redacted] | 1.350% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 4.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033596 | [Redacted] | [Redacted] | N/A | No | No | $57,019.00 | $11,864.66 | 7.099% | $6,619.73 | $6,619.73 | 6.990% | No | No | Self-Employed | US Citizen | $40,507.55 | 1 | [Redacted] | $1,468.20 | [Redacted] | $122.35 | 28.560% | 28.560% | 28.560% | [Redacted] | 808 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $57,019.00 | 6.520% | $18,000.00 | 1.3 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 39.500% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.62 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033601 | [Redacted] | [Redacted] | N/A | No | No | $3,414.54 | $3,414.54 | 6.990% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,384.56 | [Redacted] | $115.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 72.960% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $1,250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033606 | [Redacted] | [Redacted] | Non QM | Yes | No | $39,240.00 | $42,418.95 | 7.545% | $19,457.94 | $21,725.14 | 7.862% | No | No | Self-Employed | US Citizen | $149,386.03 | 1 | [Redacted] | $14,187.96 | [Redacted] | $1,182.33 | 14.982% | 15.795% | 14.982% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2002 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $39,240.00 | 6.230% | $0.00 | 1.9 | None | Yes | No | 7.862% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033655 | [Redacted] | [Redacted] | N/A | No | No | $5,035.00 | $6,356.75 | 7.461% | $4,344.35 | $4,344.35 | 7.375% | No | No | Self-Employed | US Citizen | $287,813.76 | 1 | [Redacted] | $624.00 | [Redacted] | $52.00 | 17.849% | 17.849% | 17.849% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2009 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,035.00 | 6.490% | $0.00 | 2.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 121.76 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033663 | [Redacted] | [Redacted] | N/A | No | No | $1,937.94 | $1,937.94 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $383.04 | [Redacted] | $31.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033666 | [Redacted] | [Redacted] | N/A | No | No | $3,417.70 | $3,417.70 | 7.250% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 3 | [Redacted] | $3,189.00 | [Redacted] | $265.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [Redacted] | [Redacted] | 27.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033686 | [Redacted] | [Redacted] | N/A | No | No | $26,696.72 | $9,037.54 | 7.329% | $2,910.46 | $2,910.46 | 7.125% | No | No | Non-Employment Income | US Citizen | $17,347.11 | 1 | [Redacted] | $1,563.96 | [Redacted] | $130.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $26,696.72 | 6.490% | $10,000.00 | None | Yes | No | 7.125% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 345.75 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033859 | [Redacted] | [Redacted] | N/A | No | No | $787.59 | $787.59 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,034.04 | [Redacted] | $86.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033876 | [Redacted] | [Redacted] | N/A | No | No | $33,190.00 | $4,133.30 | 7.176% | $4,150.11 | $4,150.11 | 7.125% | No | No | Self-Employed | US Citizen | $8,027.16 | 4 | [Redacted] | $3,978.00 | [Redacted] | $331.50 | 42.238% | 42.238% | 42.238% | [Redacted] | 811 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $33,190.00 | 6.570% | $12,791.58 | None | Yes | No | 7.125% | 2 | 2 | 0 | 3 | 2 | 6.67 | No | [Redacted] | [Redacted] | 69.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033960 | [Redacted] | [Redacted] | N/A | No | No | $2,264.58 | $2,264.58 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $561.00 | [Redacted] | $46.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 150.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226034549 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,695.00 | $4,504.32 | 7.281% | $6,523.31 | $6,523.31 | 7.250% | No | No | Self-Employed | US Citizen | $10,869.01 | 1 | [Redacted] | $9,720.96 | [Redacted] | $810.08 | 47.083% | 47.083% | 47.083% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,695.00 | 6.530% | $30,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035286 | [Redacted] | [Redacted] | N/A | No | No | $2,088.53 | $2,088.53 | 7.125% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $1,419.00 | [Redacted] | $118.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035291 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,153.13 | $9,019.53 | 9.053% | $4,260.68 | $4,260.68 | 8.875% | No | No | Self-Employed | US Citizen | $53,134.16 | 1 | [Redacted] | $2,553.96 | [Redacted] | $212.83 | 23.720% | 23.720% | 23.720% | [Redacted] | 698 | No | Yes | 12 | Business | 71.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,153.13 | 6.520% | $15,000.00 | 1.0 | None | Yes | No | 8.875% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 30.100% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035293 | [Redacted] | [Redacted] | N/A | No | No | $32,271.25 | $9,990.43 | 7.078% | $3,120.41 | $3,120.41 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $49,943.55 | 1 | [Redacted] | $1,386.96 | [Redacted] | $115.58 | 40.891% | 40.891% | 40.891% | [Redacted] | 746 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $32,271.25 | 6.530% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 129.11 | No | No | $84,493.87 | $0.00 | No | No | No | No | 4 | 360 | AO | 07/28/2027 | $102,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035889 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,053.25 | $7,273.55 | 7.870% | $1,031.27 | $1,154.08 | 7.886% | No | No | Non-Employment Income | US Citizen | $16,378.97 | 1 | [Redacted] | $2,628.00 | [Redacted] | $219.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $5,053.25 | 6.240% | $0.00 | 3.9 | None | No | No | 7.886% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1108.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035928 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,000.98 | 7.597% | $1,394.93 | $1,394.93 | 7.500% | No | No | Non-Employment Income | US Citizen | $55,373.86 | 1 | [Redacted] | $609.00 | [Redacted] | $50.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1311.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036278 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,950.55 | $11,147.50 | 7.289% | $2,465.78 | $2,465.78 | 6.990% | No | No | Self-Employed | US Citizen | $7,293.02 | 1 | [Redacted] | $1,924.92 | [Redacted] | $160.41 | 30.829% | 30.829% | 30.829% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $8,950.55 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 78.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036282 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,000.00 | $4,556.14 | 6.915% | $1,621.50 | $1,621.50 | 6.750% | No | No | Self-Employed | US Citizen | $17,446.33 | 1 | [Redacted] | $941.04 | [Redacted] | $78.42 | 33.835% | 33.835% | 33.835% | [Redacted] | 761 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,000.00 | 6.490% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 57.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.02 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036292 | [Redacted] | [Redacted] | N/A | No | No | $1,000.27 | $1,000.27 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $2,492.04 | [Redacted] | $207.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036311 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,355.00 | $5,759.25 | 6.815% | $4,955.29 | $4,955.29 | 6.750% | No | No | Self-Employed | US Citizen | $14,393.72 | 1 | [Redacted] | $3,549.96 | [Redacted] | $295.83 | 36.703% | 36.703% | 36.703% | [Redacted] | 795 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,355.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036465 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,518.00 | $3,389.00 | 7.534% | $1,420.03 | $1,420.03 | 7.375% | No | No | Employed | US Citizen | $3,830.99 | 1 | [Redacted] | $2,156.04 | [Redacted] | $179.67 | 48.061% | 48.061% | 48.061% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,518.00 | 6.520% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 30 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.9 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036472 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,540.00 | $22,699.30 | 7.448% | $3,323.16 | $3,323.16 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,736.24 | 1 | [Redacted] | $1,433.04 | [Redacted] | $119.42 | 30.432% | 30.432% | 30.432% | [Redacted] | 731 | No | Yes | 24 | Business | 56.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,540.00 | 6.490% | $0.00 | 2.5 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 2 | 24 | 0.00 | No | [Redacted] | [Redacted] | 32.130% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.03 | No | No | $0.00 | $5,573.16 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036475 | [Redacted] | [Redacted] | N/A | No | No | $1,173.34 | $1,173.34 | 7.250% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $2,360.04 | [Redacted] | $196.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 138.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036477 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,316.20 | $13,548.46 | 7.536% | $3,138.01 | $3,138.01 | 7.250% | No | No | Self-Employed | US Citizen | $14,102.81 | 1 | [Redacted] | $1,544.04 | [Redacted] | $128.67 | 27.160% | 27.160% | 27.160% | [Redacted] | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,316.20 | 6.490% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 12.480% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036796 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,618.93 | 7.060% | $3,162.99 | $3,162.99 | 6.990% | No | No | Employed | US Citizen | $5,489.19 | 1 | [Redacted] | $978.84 | [Redacted] | $81.57 | 46.664% | 46.664% | 46.664% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.530% | $130,985.50 | 1.0 | LP / LPA | Accept/Eligible | N/A | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 3.260% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036903 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $3,791.39 | 7.102% | $1,968.97 | $1,968.97 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,060.81 | 1 | [Redacted] | $1,138.68 | [Redacted] | $94.89 | 43.967% | 43.967% | 43.967% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.490% | $0.00 | 999.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 48.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.82 | No | No | $3,662.92 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036907 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,702.50 | $0.00 | 6.868% | $821.16 | $821.16 | 6.875% | No | No | Self-Employed | US Citizen | $1,320.62 | 1 | [Redacted] | $443.16 | [Redacted] | $36.93 | 49.901% | 49.901% | 49.901% | [Redacted] | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,702.50 | 6.570% | $9,181.33 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 13.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036911 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,823.51 | $11,301.03 | 7.433% | $2,374.86 | $2,374.86 | 7.125% | No | No | Employed | US Citizen | $4,091.91 | 1 | [Redacted] | $1,548.96 | [Redacted] | $129.08 | 48.537% | 48.537% | 48.537% | [Redacted] | 706 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,823.51 | 6.510% | $0.00 | 2.2 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036918 | [Redacted] | [Redacted] | N/A | No | No | $1,756.62 | $1,756.62 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,128.12 | [Redacted] | $94.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 730 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [Redacted] | [Redacted] | 96.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036929 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,870.60 | $25,536.09 | 7.797% | $6,144.74 | $6,144.74 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $36,508.03 | 1 | [Redacted] | $8,339.04 | [Redacted] | $694.92 | 30.056% | 30.056% | 30.056% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,870.60 | 6.610% | $0.00 | 1.7 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036932 | [Redacted] | [Redacted] | N/A | No | No | $1,051.00 | $1,051.00 | 7.125% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $2,119.80 | [Redacted] | $176.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036936 | [Redacted] | [Redacted] | N/A | No | No | $1,693.94 | $1,693.94 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,740.96 | [Redacted] | $145.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [Redacted] | [Redacted] | 80.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 277.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036978 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,170.00 | $12,271.26 | 7.242% | $3,190.22 | $3,190.22 | 6.990% | No | No | Employed | US Citizen | $16,906.18 | 1 | [Redacted] | $2,799.00 | [Redacted] | $233.25 | 31.208% | 31.208% | 31.208% | [Redacted] | 750 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,170.00 | 6.530% | $0.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 371.19 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037046 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,094.00 | $3,473.50 | 7.536% | $1,436.60 | $1,436.60 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Venezuela (Bolivarian Republic of) | $58,904.28 | 1 | [Redacted] | $1,857.96 | [Redacted] | $154.83 | 8.204% | 8.204% | 8.204% | [Redacted] | 762 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,094.00 | 6.490% | $0.00 | 3.3 | None | N/A | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 24.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 60.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037118 | [Redacted] | [Redacted] | N/A | No | No | $992.24 | $992.24 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,966.68 | [Redacted] | $163.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 677 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 31.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.34 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037122 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,908.75 | $3,875.47 | 7.103% | $2,160.05 | $2,160.05 | 6.990% | No | No | Employed | US Citizen | $14,332.56 | 1 | [Redacted] | $1,000.08 | [Redacted] | $83.34 | 29.831% | 29.831% | 29.831% | [Redacted] | 783 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,908.75 | 6.610% | $0.00 | 5.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 188.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037412 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,064.64 | $5,771.85 | 7.548% | $2,289.34 | $2,289.34 | 7.375% | No | No | Employed | US Citizen | $20,869.43 | 1 | [Redacted] | $1,169.04 | [Redacted] | $97.42 | 33.328% | 33.328% | 33.328% | [Redacted] | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,064.64 | 6.490% | $0.00 | 999.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 48.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226038663 | [Redacted] | [Redacted] | N/A | No | No | $976.54 | $976.54 | 6.500% | No | No | Foreign National | 1 | [Redacted] | $1,271.04 | [Redacted] | $105.92 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 20.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 16.26 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226052751 | [Redacted] | [Redacted] | N/A | No | No | $3,164.11 | $7,811.96 | 7.215% | $1,089.13 | $1,089.13 | 6.750% | No | No | Employed | US Citizen | $4,578.75 | 1 | [Redacted] | $1,232.04 | [Redacted] | $102.67 | 49.899% | 49.899% | 49.899% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,164.11 | 6.530% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.750% | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | 39.560% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226052753 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,555.00 | $13,383.34 | 7.606% | $6,548.89 | $6,802.15 | 7.636% | No | No | Employed | US Citizen | $11,391.50 | 1 | [Redacted] | $1,555.44 | [Redacted] | $129.62 | 41.983% | 46.857% | 41.983% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,555.00 | 6.250% | $0.00 | 2.8 | None | Yes | No | 7.636% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 75.360% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.97 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226052844 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,189.24 | 7.071% | $1,708.01 | $1,708.01 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $13,056.91 | 1 | [Redacted] | $2,189.88 | [Redacted] | $182.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.530% | $0.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 391.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053066 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,067.00 | $12,153.07 | 9.426% | $6,219.43 | $6,219.43 | 9.250% | No | No | Self-Employed | US Citizen | $61,464.25 | 1 | [Redacted] | $4,680.96 | [Redacted] | $390.08 | 13.406% | 13.406% | 13.406% | [Redacted] | 650 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,067.00 | 6.520% | $0.00 | 5.0 | None | No | No | 9.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053524 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,438.00 | $17,746.86 | 8.677% | $4,845.46 | $4,845.46 | 8.375% | No | No | Self-Employed | US Citizen | $20,076.00 | 1 | [Redacted] | $2,496.96 | [Redacted] | $208.08 | 31.950% | 31.950% | 31.950% | [Redacted] | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,438.00 | 6.570% | $0.00 | 2.6 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 21.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.56 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053526 | [Redacted] | [Redacted] | N/A | No | No | $2,273.80 | $2,273.80 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,929.00 | [Redacted] | $160.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | [Redacted] | [Redacted] | 55.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053529 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | Yes | $1,595.00 | $2,370.54 | 7.405% | $4,931.42 | $4,931.42 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $12,827.46 | 1 | [Redacted] | $2,253.72 | [Redacted] | $187.81 | 38.464% | 38.464% | 38.464% | [Redacted] | 725 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | 28.150% | No | 27 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.41 | No | No | $0.00 | $7,341.67 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053532 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,393.87 | 7.031% | $5,961.74 | $5,961.74 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $20,577.63 | 1 | [Redacted] | $2,398.80 | [Redacted] | $199.90 | 32.065% | 32.065% | 32.065% | [Redacted] | 788 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.520% | $0.00 | 2.5 | None | No | No | 6.990% | 0 | 2 | 2 | 0 | 3 | 1 | 17.00 | No | [Redacted] | [Redacted] | 57.730% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 119.03 | Yes | No | $0.00 | $8,750.00 | No | No | No | No | 2 | 360 | AO | 07/24/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053533 | [Redacted] | [Redacted] | N/A | No | No | $3,274.45 | $3,274.45 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,154.28 | [Redacted] | $96.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 84.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053534 | [Redacted] | [Redacted] | N/A | No | No | $4,637.48 | $4,637.48 | 6.750% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $3,880.56 | [Redacted] | $323.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053548 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,197.00 | $3,863.45 | 7.607% | $750.39 | $750.39 | 7.250% | No | No | Self-Employed | US Citizen | $2,666.43 | 1 | [Redacted] | $1,887.96 | [Redacted] | $157.33 | 30.263% | 30.263% | 30.263% | [Redacted] | 679 | No | Yes | 48 | Personal, Business | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2014 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2014 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2014 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,197.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053553 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,690.00 | $5,546.25 | 7.554% | $664.63 | $664.63 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $6,539.60 | 1 | [Redacted] | $1,068.36 | [Redacted] | $89.03 | 34.773% | 34.773% | 34.773% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,690.00 | 6.610% | $2,500.00 | 2.2 | None | No | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 46.890% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.2 | No | No | $0.00 | $6,039.16 | No | No | No | No | 2 | 360 | AE | 08/24/2026 | $4,288,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053559 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,153.60 | $7,047.35 | 8.707% | $2,718.88 | $2,718.88 | 8.500% | No | No | Non-Employment Income | US Citizen | $11,028.95 | 1 | [Redacted] | $1,265.16 | [Redacted] | $105.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 684 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,153.60 | 6.490% | $0.00 | 1.7 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 212.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053565 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,274.00 | $7,969.52 | 8.002% | $2,349.83 | $2,349.83 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $3,964.58 | 2 | [Redacted] | $2,531.04 | [Redacted] | $210.92 | 42.707% | 42.707% | 42.707% | [Redacted] | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,274.00 | 6.530% | $95,000.00 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 3.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053577 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,037.00 | $1,401.70 | 9.522% | $831.75 | $831.75 | 9.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,503.86 | 1 | [Redacted] | $3,056.40 | [Redacted] | $254.70 | 40.916% | 40.916% | 40.916% | [Redacted] | 640 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,037.00 | 6.610% | $0.00 | 1.0 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.79 | No | $1,490.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053951 | [Redacted] | [Redacted] | N/A | No | No | $1,011.31 | $1,011.31 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $2,067.96 | [Redacted] | $172.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.69 | [Redacted] | [Redacted] | 17.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053953 | [Redacted] | [Redacted] | N/A | No | No | $1,386.02 | $1,386.02 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,268.04 | [Redacted] | $105.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1261.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053958 | [Redacted] | [Redacted] | N/A | No | No | $1,225.36 | $1,225.36 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,069.04 | [Redacted] | $172.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053959 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,920.00 | $7,591.70 | 7.781% | $1,329.55 | $1,329.55 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $11,450.42 | 1 | [Redacted] | $1,692.00 | [Redacted] | $141.00 | 21.546% | 21.546% | 21.546% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,920.00 | 6.520% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 12.46 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053960 | [Redacted] | [Redacted] | Non QM | Yes | No | $475.00 | $12,114.00 | 6.858% | $6,693.53 | $6,693.53 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,767.80 | 1 | [Redacted] | $443.04 | [Redacted] | $36.92 | 39.069% | 39.069% | 39.069% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $475.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 5.250% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.25 | No | $0.00 | $7,159.62 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053971 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,707.50 | $3,272.38 | 7.099% | $1,927.43 | $1,927.43 | 6.990% | No | No | Non-Employment Income | US Citizen | $5,189.28 | 1 | [Redacted] | $1,689.60 | [Redacted] | $140.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,707.50 | 6.520% | $0.00 | 2.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 166.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226061902 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,265.00 | $3,932.17 | 8.424% | $5,677.74 | $5,677.74 | 8.375% | No | No | Self-Employed | Permanent Resident Alien | $11,282.91 | 1 | [Redacted] | $2,802.00 | [Redacted] | $233.50 | 38.575% | 38.575% | 38.575% | [Redacted] | 688 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,265.00 | 6.570% | $30,000.00 | 2.6 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 9.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226061954 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,397.74 | 7.321% | $3,138.01 | $3,138.01 | 7.250% | No | No | Employed | US Citizen | $9,992.90 | 1 | [Redacted] | $4,300.44 | [Redacted] | $358.37 | 49.936% | 49.936% | 49.936% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.490% | $0.00 | 3.3 | DU | ApproveEligible | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 133.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 03/01/2027 | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226061955 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,527.50 | $4,461.71 | 8.245% | $2,784.36 | $2,784.36 | 8.125% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $62,997.27 | 1 | [Redacted] | $2,483.76 | [Redacted] | $206.98 | 11.549% | 11.549% | 11.549% | [Redacted] | 673 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,527.50 | 6.530% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 35.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226061957 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $2,487.32 | 7.297% | $3,110.72 | $3,110.72 | 7.250% | No | No | Self-Employed | US Citizen | $33,053.38 | 1 | [Redacted] | $1,086.36 | [Redacted] | $90.53 | 22.288% | 22.288% | 22.288% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.520% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 71.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 101.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062048 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $1,857.54 | 7.055% | $1,781.21 | $1,781.21 | 6.990% | No | Yes | Employed | Employed | US Citizen | US Citizen | $14,832.28 | 1 | [Redacted] | $443.04 | [Redacted] | $36.92 | 35.976% | 35.976% | 35.976% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.570% | $10,000.00 | 1.0 | None | No | No | 6.990% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.36 | Yes | No | $0.00 | $17,500.02 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062049 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $8,124.70 | 7.293% | $10,914.82 | $10,914.82 | 7.250% | No | No | Non-Employment Income | US Citizen | $72,426.26 | 1 | [Redacted] | $3,908.28 | [Redacted] | $325.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.490% | $0.00 | 1.5 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 347.78 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062301 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,219.15 | $5,390.42 | 9.057% | $2,569.26 | $2,569.26 | 8.875% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $6,645.45 | 1 | [Redacted] | $1,434.00 | [Redacted] | $119.50 | 35.512% | 35.512% | 35.512% | [Redacted] | 758 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,219.15 | 6.520% | $5,698.50 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 4.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 13.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062372 | [Redacted] | [Redacted] | N/A | No | No | $1,910.09 | $1,910.09 | 7.250% | No | No | US Citizen | 4 | [Redacted] | $3,861.00 | [Redacted] | $321.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.7 | [Redacted] | [Redacted] | 43.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062613 | [Redacted] | [Redacted] | N/A | No | No | $3,574.22 | $3,574.22 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $2,681.04 | [Redacted] | $223.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062640 | [Redacted] | [Redacted] | N/A | No | No | $5,982.00 | $7,633.52 | 7.414% | $3,165.30 | $3,165.30 | 7.250% | No | No | Not Employed | Employed | Employed | 18.15 | US Citizen | US Citizen | $42,140.65 | 1 | [Redacted] | $1,230.96 | [Redacted] | $102.58 | 17.336% | 17.336% | 17.336% | [Redacted] | 756 | 748 | 767 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,982.00 | 6.490% | $0.00 | 1.6 | None | No | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 30 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 238.71 | No | No | $0.00 | $50,978.37 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062676 | [Redacted] | [Redacted] | N/A | No | No | $7,777.34 | $7,777.34 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,696.00 | [Redacted] | $308.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 999.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [Redacted] | [Redacted] | 40.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062971 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $2,454.64 | 6.658% | $4,396.95 | $4,396.95 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $20,749.25 | 1 | [Redacted] | $2,785.20 | [Redacted] | $232.10 | 24.166% | 24.166% | 24.166% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.530% | $0.00 | 2.5 | DU | ApproveEligible | No | No | 6.625% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | 40.060% | No | 5 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.47 | No | $0.00 | $16,632.33 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063235 | [Redacted] | [Redacted] | N/A | No | No | $2,558.93 | $2,558.93 | 8.625% | No | No | US Citizen | 3 | [Redacted] | $6,810.96 | [Redacted] | $567.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 673 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | [Redacted] | 39.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.98 | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063282 | [Redacted] | [Redacted] | N/A | No | No | $1,309.32 | $1,309.32 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,155.00 | [Redacted] | $96.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063525 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,690.00 | $7,173.95 | 6.967% | $4,992.66 | $4,992.66 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $30,458.07 | 1 | [Redacted] | $2,544.00 | [Redacted] | $212.00 | 24.671% | 24.671% | 24.671% | 757 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,690.00 | 6.530% | $0.00 | 1.1 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 2 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 19.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 98.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063956 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,212.50 | $12,522.02 | 7.026% | $2,918.69 | $2,918.69 | 6.750% | No | No | Non-Employment Income | US Citizen | $9,603.69 | 1 | [Redacted] | $3,480.84 | [Redacted] | $290.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 691 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,212.50 | 6.490% | $0.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 229.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063959 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,557.25 | $10,564.06 | 7.733% | $2,112.78 | $2,112.78 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $9,980.95 | 1 | [Redacted] | $2,889.48 | [Redacted] | $240.79 | 43.587% | 43.587% | 43.587% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,557.25 | 6.490% | $0.00 | 3.6 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | Employment Authorization | No | 30.94 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063960 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | Yes | $8,136.40 | $10,178.58 | 7.933% | $4,080.68 | $4,080.68 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $10,168.45 | 1 | [Redacted] | $1,882.92 | [Redacted] | $156.91 | 44.351% | 44.351% | 44.351% | [Redacted] | 692 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,136.40 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [Redacted] | [Redacted] | No | 3 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $4,939.17 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063962 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,757.50 | $2,892.22 | 7.386% | $1,432.57 | $1,432.57 | 7.250% | No | No | Self-Employed | US Citizen | $2,354.18 | 1 | [Redacted] | $3,693.24 | [Redacted] | $307.77 | 45.669% | 45.669% | 45.669% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $1,757.50 | 6.570% | $76,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 4.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063963 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,930.00 | $7,602.27 | 7.308% | $2,721.82 | $2,721.82 | 7.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,259.17 | 1 | [Redacted] | $909.00 | [Redacted] | $75.75 | 19.149% | 19.149% | 19.149% | [Redacted] | 792 | No | Yes | 12 | Business | 69.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,930.00 | 6.490% | $23,500.00 | 2.7 | None | No | No | 7.125% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 8.930% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.77 | No | $12,997.83 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063964 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,435.70 | $7,081.94 | 8.503% | $1,507.27 | $1,507.27 | 8.125% | No | No | Employed | US Citizen | $4,218.98 | 1 | [Redacted] | $2,661.96 | [Redacted] | $221.83 | 41.471% | 41.471% | 41.471% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | [Redacted] | 0 | 0 | 0 | [Redacted] | $6,435.70 | 6.490% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 3.350% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 40.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063965 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,990.00 | $32,280.96 | 7.418% | $13,397.50 | $19,014.01 | 7.843% | No | No | Self-Employed | US Citizen | $63,086.12 | 1 | [Redacted] | $3,580.80 | [Redacted] | $298.40 | 35.229% | 29.462% | 35.229% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $24,990.00 | 6.190% | $7,000.00 | 1.3 | None | No | No | 7.843% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 45.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.66 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063979 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,615.00 | $8,059.94 | 8.566% | $3,135.30 | $3,135.30 | 8.375% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,597.75 | 1 | [Redacted] | $1,209.96 | [Redacted] | $100.83 | 42.877% | 42.877% | 42.877% | [Redacted] | 704 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,615.00 | 6.490% | $0.00 | 1.2 | None | No | No | 8.375% | 2 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.51 | No | $2,868.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063984 | [Redacted] | [Redacted] | N/A | No | No | $35,175.94 | $9,968.64 | 7.323% | $3,410.70 | $3,410.70 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,476.03 | 1 | [Redacted] | $1,977.00 | [Redacted] | $164.75 | 30.231% | 30.231% | 30.231% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $35,175.94 | 6.530% | $13,133.20 | 1.6 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 69.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 69.94 | No | No | $1,789.90 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/27/2027 | $10,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063988 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,424.38 | $3,624.93 | 7.557% | $4,100.89 | $4,100.89 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,367.68 | 1 | [Redacted] | $2,978.04 | [Redacted] | $248.17 | 39.484% | 39.484% | 39.484% | [Redacted] | 710 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $14,424.38 | 6.510% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 4.3 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063994 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $11,654.89 | 7.136% | $5,233.97 | $5,233.97 | 6.990% | No | No | Non-Employment Income | US Citizen | $1,596.00 | 1 | [Redacted] | $3,617.76 | [Redacted] | $301.48 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.520% | $0.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 209.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063999 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,724.38 | $15,958.36 | 8.985% | $5,487.24 | $5,487.24 | 8.750% | No | No | Self-Employed | US Citizen | $64,085.36 | 1 | [Redacted] | $1,479.96 | [Redacted] | $123.33 | 10.390% | 10.390% | 10.390% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,724.38 | 6.610% | $0.00 | None | No | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 9.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064003 | [Redacted] | [Redacted] | N/A | No | No | $9,391.47 | $3,681.23 | 8.179% | $918.48 | $918.48 | 7.875% | No | No | Not Employed | Self-Employed | Self-Employed | 4.33 | US Citizen | US Citizen | $50,274.70 | 1 | [Redacted] | $1,061.04 | [Redacted] | $88.42 | 26.702% | 26.702% | 26.702% | [Redacted] | 696 | 734 | 724 | 762 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 27 | Business | 100.000% | 51.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,391.47 | 6.510% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 3 | 0.00 | No | [Redacted] | [Redacted] | 1.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 330.52 | No | No | $68,588.94 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064005 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $2,774.26 | 7.917% | $4,502.68 | $4,502.68 | 7.875% | No | No | Self-Employed | US Citizen | $24,736.47 | 1 | [Redacted] | $2,877.00 | [Redacted] | $239.75 | 21.474% | 21.474% | 21.474% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.610% | $0.00 | 2.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 91.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 110.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064011 | [Redacted] | [Redacted] | N/A | No | No | $3,589.01 | $3,589.01 | 6.990% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,544.04 | [Redacted] | $128.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | 29.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064013 | [Redacted] | [Redacted] | N/A | No | No | $2,785.35 | $2,785.35 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,839.12 | [Redacted] | $153.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 25.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | VE | $8,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064023 | [Redacted] | [Redacted] | N/A | No | No | $1,292.03 | $1,292.03 | 7.990% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $2,424.00 | [Redacted] | $202.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | 784 | 754 | 767 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.57 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064040 | [Redacted] | [Redacted] | N/A | No | No | $878.86 | $878.86 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,127.40 | [Redacted] | $93.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 121.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | None | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064788 | [Redacted] | [Redacted] | N/A | No | No | $6,072.92 | $6,072.92 | 6.625% | No | No | 0 | US Citizen | 4 | [Redacted] | $5,568.00 | [Redacted] | $464.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.52 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Corp | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064790 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,118.00 | $6,039.58 | 7.799% | $2,526.82 | $2,526.82 | 7.625% | No | No | Self-Employed | US Citizen | $3,686.64 | 1 | [Redacted] | $1,460.04 | [Redacted] | $121.67 | 49.684% | 49.684% | 49.684% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $3,118.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.625% | 1 | 0 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | 24.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | Other | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064792 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $2,552.15 | 7.270% | $7,972.94 | $7,972.94 | 7.250% | No | No | Employed | US Citizen | $15,443.50 | 1 | [Redacted] | $3,282.00 | [Redacted] | $273.50 | 47.225% | 47.225% | 47.225% | [Redacted] | 745 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,795.00 | 6.610% | $0.00 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 2 | 0 | 3 | 2 | No | [Redacted] | [Redacted] | 20.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064799 | [Redacted] | [Redacted] | N/A | No | No | $2,103.56 | $2,103.56 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,727.04 | [Redacted] | $143.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | 716 | 718 | 700 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.62 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064804 | [Redacted] | [Redacted] | N/A | No | No | $3,217.05 | $3,217.05 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,782.00 | [Redacted] | $148.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [Redacted] | [Redacted] | 21.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064806 | [Redacted] | [Redacted] | N/A | No | No | $1,809.22 | $1,809.22 | 7.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $983.04 | [Redacted] | $81.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064820 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,903.75 | $11,735.04 | 7.856% | $3,726.53 | $3,726.53 | 7.625% | No | No | Self-Employed | US Citizen | $7,646.94 | 1 | [Redacted] | $7,808.88 | [Redacted] | $650.74 | 42.090% | 42.090% | 42.090% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,903.75 | 6.610% | $10,000.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 24.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064835 | [Redacted] | [Redacted] | N/A | No | No | $2,662.71 | $0.16 | 7.244% | $2,670.72 | $2,670.72 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,599.57 | 2 | [Redacted] | $912.96 | [Redacted] | $76.08 | 33.161% | 33.161% | 33.161% | [Redacted] | 813 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Tax Return Extension - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,662.71 | 6.570% | $9,713.00 | DU | ApproveEligible | N/A | No | 7.250% | 1 | 2 | 2 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 42.580% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.93 | No | No | $0.00 | $9,784.67 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064841 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,746.59 | $1,261.29 | 7.401% | $3,190.69 | $3,190.69 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,450.93 | 1 | [Redacted] | $1,338.00 | [Redacted] | $111.50 | 28.719% | 28.719% | 28.719% | [Redacted] | 700 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,746.59 | 6.490% | $17,323.00 | 1.4 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 23.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | 4.87 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064852 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,440.00 | $4,596.72 | 7.004% | $2,299.25 | $2,299.25 | 6.875% | No | No | Self-Employed | US Citizen | $15,093.91 | 1 | [Redacted] | $794.64 | [Redacted] | $66.22 | 23.433% | 23.433% | 23.433% | [Redacted] | 808 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,440.00 | 6.510% | $11,700.00 | 3.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 05/01/2027 | $108,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064861 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,810.52 | $10,462.28 | 8.360% | $3,534.29 | $3,534.29 | 8.125% | No | No | Self-Employed | US Citizen | $50,514.45 | 1 | [Redacted] | $1,092.00 | [Redacted] | $91.00 | 12.684% | 12.684% | 12.684% | [Redacted] | 676 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,810.52 | 6.610% | $0.00 | 2.0 | None | No | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064866 | [Redacted] | [Redacted] | N/A | No | No | $1,845.64 | $1,845.64 | 6.500% | No | No | US Citizen | 2 | [Redacted] | $1,497.12 | [Redacted] | $124.76 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [Redacted] | [Redacted] | 29.280% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064872 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,390.00 | $7,932.84 | 7.449% | $6,768.62 | $6,768.62 | 7.375% | No | No | Employed | $42,038.24 | 1 | [Redacted] | $4,244.04 | [Redacted] | $353.67 | 34.231% | 34.231% | 34.231% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 65.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,390.00 | 6.530% | $0.00 | 1.2 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 414.67 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064873 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,521.25 | $9,524.83 | 7.995% | $2,836.68 | $2,836.68 | 7.750% | No | No | Employed | US Citizen | $10,167.81 | 1 | [Redacted] | $678.00 | [Redacted] | $56.50 | 49.419% | 49.419% | 49.419% | [Redacted] | 739 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $8,521.25 | 6.530% | $0.00 | 2.3 | DU | ApproveIneligible | No | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064995 | [Redacted] | [Redacted] | N/A | No | No | $2,018.70 | $2,018.70 | 7.250% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $2,579.04 | [Redacted] | $214.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 37.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065042 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,440.00 | $7,355.92 | 7.433% | $2,373.97 | $2,373.97 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,987.21 | 1 | [Redacted] | $2,243.04 | [Redacted] | $186.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,440.00 | 6.570% | $2,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 365.06 | Retail | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065122 | [Redacted] | [Redacted] | N/A | No | No | $911.78 | $911.78 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,388.00 | [Redacted] | $199.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | [Redacted] | 18.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065172 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,482.00 | $8,396.93 | 7.195% | $2,711.69 | $2,711.69 | 6.990% | No | No | Employed | US Citizen | $11,307.83 | 1 | [Redacted] | $2,445.00 | [Redacted] | $203.75 | 24.633% | 24.633% | 24.633% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,482.00 | 6.530% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065243 | [Redacted] | [Redacted] | N/A | No | No | $748.54 | $748.54 | 9.125% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,257.00 | [Redacted] | $104.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | 31.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065275 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,138.22 | $5,254.44 | 7.010% | $869.33 | $869.33 | 6.625% | No | No | Non-Employment Income | US Citizen | $2,822.67 | 1 | [Redacted] | $2,007.84 | [Redacted] | $167.32 | 37.552% | 37.552% | 37.552% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $4,138.22 | 6.530% | $2,932.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 377.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065479 | [Redacted] | [Redacted] | N/A | No | No | $1,539.44 | $1,539.44 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $1,410.00 | [Redacted] | $117.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.5 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065753 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,979.67 | $12,385.91 | 7.003% | $6,043.48 | $6,043.48 | 6.875% | No | No | Employed | US Citizen | $30,736.15 | 1 | [Redacted] | $1,320.00 | [Redacted] | $110.00 | 23.115% | 23.115% | 23.115% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $9,979.67 | 6.530% | $5,562.32 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 397.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065819 | [Redacted] | [Redacted] | N/A | No | No | $1,364.36 | $1,364.36 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $4,207.20 | [Redacted] | $350.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [Redacted] | [Redacted] | 36.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.26 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065826 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,540.00 | $2,050.87 | 7.444% | $2,036.11 | $2,036.11 | 7.375% | No | No | Self-Employed | US Citizen | $3,395.33 | 1 | [Redacted] | $1,419.00 | [Redacted] | $118.25 | 44.485% | 44.485% | 44.485% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,540.00 | 6.520% | $15,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 13.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065827 | [Redacted] | [Redacted] | N/A | No | No | $2,061.58 | $2,061.58 | 7.125% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,445.04 | [Redacted] | $120.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.9 | [Redacted] | [Redacted] | 47.240% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065859 | [Redacted] | [Redacted] | N/A | No | No | $2,800.00 | $5,232.82 | 7.218% | $1,512.04 | $1,512.04 | 6.990% | No | No | Employed | US Citizen | $5,860.45 | 1 | [Redacted] | $1,358.04 | [Redacted] | $113.17 | 45.503% | 45.503% | 45.503% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,800.00 | 6.610% | $3,000.00 | None | Yes | No | 6.990% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 65.980% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.71 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065880 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $8,016.26 | 6.953% | $6,385.35 | $6,385.35 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $14,398.17 | 1 | [Redacted] | $2,382.96 | [Redacted] | $198.58 | 44.691% | 44.691% | 44.691% | [Redacted] | 728 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.530% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 0 | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.02 | No | $0.00 | $18,073.76 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066048 | [Redacted] | [Redacted] | N/A | No | No | $1,223.30 | $1,223.30 | 8.875% | No | No | US Citizen | 2 | [Redacted] | $1,423.68 | [Redacted] | $118.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066200 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,933.75 | $5,696.41 | 9.011% | $961.14 | $961.14 | 8.500% | No | No | Self-Employed | US Citizen | $7,167.44 | 1 | [Redacted] | $1,101.96 | [Redacted] | $91.83 | 24.487% | 24.487% | 24.487% | [Redacted] | 639 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $4,933.75 | 6.490% | $0.00 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066370 | [Redacted] | [Redacted] | N/A | No | No | $2,664.61 | $2,664.61 | 8.875% | No | No | US Citizen | 2 | [Redacted] | $1,029.24 | [Redacted] | $85.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066822 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,965.13 | $2,841.96 | 9.014% | $1,792.19 | $1,792.19 | 8.875% | No | No | Self-Employed | US Citizen | $4,151.67 | 1 | [Redacted] | $2,349.00 | [Redacted] | $195.75 | 49.381% | 49.381% | 49.381% | [Redacted] | 698 | No | Yes | 48 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,965.13 | 6.530% | $0.00 | 1.0 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 24 | 24 | 0.00 | No | [Redacted] | [Redacted] | 20.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066823 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,277.50 | $3,985.66 | 7.074% | $2,990.84 | $2,990.84 | 6.990% | No | No | Self-Employed | US Citizen | $12,004.08 | 1 | [Redacted] | $5,930.76 | [Redacted] | $494.23 | 33.956% | 33.956% | 33.956% | [Redacted] | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,277.50 | 6.610% | $140,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067020 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $10,554.06 | 7.282% | $6,187.50 | $8,770.57 | 7.606% | No | No | Non-Employment Income | US Citizen | $49,472.98 | 1 | [Redacted] | $1,389.00 | [Redacted] | $115.75 | 17.984% | 13.702% | 17.984% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.110% | $0.00 | 1.0 | None | Yes | No | 7.606% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [Redacted] | [Redacted] | 100.000% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 451.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067021 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $8,225.21 | 6.887% | $3,796.63 | $3,796.63 | 6.750% | No | No | Non-Employment Income | US Citizen | $7,907.79 | 1 | [Redacted] | $1,509.96 | [Redacted] | $125.83 | 40.093% | 40.093% | 40.093% | [Redacted] | 739 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2025 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.530% | $0.00 | 1.9 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067314 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,350.00 | $0.00 | 6.868% | $2,364.94 | $2,364.94 | 6.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $27,339.46 | 1 | [Redacted] | $801.00 | [Redacted] | $66.75 | 34.424% | 34.424% | 34.424% | [Redacted] | 765 | No | Yes | 12 | Business | 57.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,350.00 | 6.610% | $18,608.78 | 1.0 | None | No | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 18.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.94 | No | No | $0.00 | $17,916.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067316 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,034.23 | $7,852.26 | 7.198% | $1,372.98 | $1,372.98 | 6.875% | No | No | Employed | US Citizen | $8,156.89 | 1 | [Redacted] | $1,028.52 | [Redacted] | $85.71 | 20.096% | 20.096% | 20.096% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,034.23 | 6.490% | $0.00 | 2.2 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Closed End | No | [Redacted] | [Redacted] | No | 17 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067317 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,725.00 | $8,439.86 | 7.410% | $2,021.16 | $2,021.16 | 7.125% | No | No | Self-Employed | US Citizen | $9,944.81 | 1 | [Redacted] | $1,230.96 | [Redacted] | $102.58 | 48.471% | 48.471% | 48.471% | [Redacted] | 660 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 80.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,725.00 | 6.610% | $220,000.00 | 999.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 34.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067319 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,514.80 | $5,160.95 | 8.338% | $1,167.04 | $1,167.04 | 7.990% | No | Yes | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,103.07 | 1 | [Redacted] | $543.96 | [Redacted] | $45.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,514.80 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 239.12 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067320 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,765.00 | $4,228.75 | 7.417% | $664.63 | $664.63 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $5,091.85 | 1 | [Redacted] | $2,739.00 | [Redacted] | $228.25 | 44.469% | 44.469% | 44.469% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,765.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 90.940% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 295.71 | Yes | No | $0.00 | $2,669.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067326 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,854.72 | 6.905% | $5,255.42 | $5,255.42 | 6.875% | No | No | Employed | US Citizen | $16,534.71 | 1 | [Redacted] | $1,271.04 | [Redacted] | $105.92 | 48.463% | 48.463% | 48.463% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.530% | $0.00 | 2.8 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 70.130% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.18 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067327 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,631.25 | $10,666.24 | 7.172% | $2,332.10 | $2,332.10 | 6.875% | No | No | Not Employed | Non-Employment Income | Not Employed | 0 | US Citizen | US Citizen | $31,428.06 | 1 | [Redacted] | $5,414.16 | [Redacted] | $451.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,631.25 | 6.490% | $3,000.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 681.93 | No | $37,933.57 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067329 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,310.40 | $7,984.59 | 7.193% | $1,655.46 | $1,655.46 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,179.86 | 1 | [Redacted] | $2,277.84 | [Redacted] | $189.82 | 41.423% | 41.423% | 41.423% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,310.40 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 625.4 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067332 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $0.00 | 7.377% | $13,122.83 | $13,122.83 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $25,363.90 | 1 | [Redacted] | $3,605.28 | [Redacted] | $300.44 | 49.141% | 49.141% | 49.141% | [Redacted] | 789 | Yes | No | [Borrower - | Primary Income - Wages]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.520% | $0.00 | 3.4 | None | Yes | No | 7.375% | 1 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | 9 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067334 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,717.00 | $7,896.50 | 7.060% | $1,634.47 | $1,634.47 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,422.23 | 1 | [Redacted] | $928.80 | [Redacted] | $77.40 | 48.639% | 48.639% | 48.639% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $3,717.00 | 6.530% | $10,000.00 | 1.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 0.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.34 | No | $1,448.10 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067346 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,787.50 | $5,617.56 | 7.765% | $2,824.10 | $2,824.10 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $5,796.58 | 1 | [Redacted] | $1,284.96 | [Redacted] | $107.08 | 45.283% | 45.283% | 45.283% | [Redacted] | 700 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $4,787.50 | 6.490% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 15.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067347 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,885.00 | $18,476.62 | 7.134% | $8,915.05 | $8,915.05 | 7.000% | No | No | Self-Employed | US Citizen | $276,317.00 | 1 | [Redacted] | $1,824.96 | [Redacted] | $152.08 | 10.687% | 10.687% | 10.687% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,885.00 | 6.530% | $0.00 | 2.6 | None | Yes | No | 7.000% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 57.650% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 52.91 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067543 | [Redacted] | [Redacted] | N/A | No | No | $2,375.36 | $2,375.36 | 7.625% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,769.04 | [Redacted] | $147.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 45.670% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067596 | [Redacted] | [Redacted] | N/A | No | No | $9,776.72 | $9,776.72 | 6.990% | No | No | US Citizen | 3 | [Redacted] | $6,576.00 | [Redacted] | $548.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226068108 | [Redacted] | [Redacted] | N/A | No | No | $986.02 | $986.02 | 8.250% | No | No | US Citizen | 1 | [Redacted] | $1,011.72 | [Redacted] | $84.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.3 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [Redacted] | [Redacted] | 43.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079465 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,569.00 | $933.13 | 7.285% | $1,719.08 | $1,719.08 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $3,540.88 | 1 | [Redacted] | $871.68 | [Redacted] | $72.64 | 41.412% | 41.412% | 41.412% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $2,569.00 | 6.610% | $9,792.72 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 71.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 80.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079535 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $15,016.91 | 7.766% | $13,970.04 | $13,970.04 | 7.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $24,499.82 | 1 | [Redacted] | $7,637.04 | [Redacted] | $636.42 | 43.495% | 43.495% | 43.495% | [Redacted] | 698 | No | No | Audited | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,090.00 | 6.610% | $3,000.00 | 1.2 | None | No | No | 7.750% | 2 | 2 | 1 | 0 | 2 | 1 | 15.97 | No | [Redacted] | [Redacted] | 40.380% | No | 39 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.97 | No | $0.00 | $12,808.33 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079799 | [Redacted] | [Redacted] | N/A | No | No | $4,234.41 | $4,234.41 | 7.875% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $2,847.96 | [Redacted] | $237.33 | 0.000% | 0.000% | 0.000% | 733 | 729 | 759 | 744 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079801 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,947.96 | $0.00 | 7.123% | $2,459.34 | $2,459.34 | 7.125% | No | No | Self-Employed | US Citizen | $184,433.41 | 1 | [Redacted] | $815.28 | [Redacted] | $67.94 | 4.816% | 4.816% | 4.816% | [Redacted] | 740 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,947.96 | 6.610% | $24,000.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080083 | [Redacted] | [Redacted] | N/A | No | No | $2,043.41 | $2,043.41 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $962.04 | [Redacted] | $80.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 48.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.54 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080124 | [Redacted] | [Redacted] | N/A | No | No | $4,037.63 | $4,037.63 | 6.990% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $3,927.96 | [Redacted] | $327.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080181 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,940.00 | $4,317.05 | 7.422% | $664.63 | $664.63 | 6.990% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $2,623.20 | 1 | [Redacted] | $1,780.44 | [Redacted] | $148.37 | 48.602% | 48.602% | 48.602% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 1 | 1 | 0 | [Redacted] | $2,940.00 | 6.530% | $0.00 | 2.3 | None | No | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 2 | No | [Redacted] | [Redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.95 | No | No | $0.00 | $2,200.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080676 | [Redacted] | [Redacted] | N/A | No | No | $1,769.54 | $1,769.54 | 7.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,000.04 | [Redacted] | $166.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081036 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,417.96 | $5,674.98 | 6.058% | $2,802.59 | $2,802.59 | 5.990% | No | No | Self-Employed | US Citizen | $8,759.39 | 1 | [Redacted] | $1,189.68 | [Redacted] | $99.14 | 33.187% | 33.187% | 33.187% | [Redacted] | 755 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,417.96 | 6.520% | $22,050.53 | 1.0 | None | Yes | No | 5.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 29.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081116 | [Redacted] | [Redacted] | N/A | No | No | $1,563.96 | $1,563.96 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,607.04 | [Redacted] | $133.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 57.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081134 | [Redacted] | [Redacted] | N/A | No | No | $10,799.95 | $5,027.92 | 7.589% | $1,657.62 | $1,657.62 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $6,148.70 | 1 | [Redacted] | $2,561.04 | [Redacted] | $213.42 | 36.550% | 36.550% | 36.550% | [Redacted] | 777 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,799.95 | 6.510% | $7,425.00 | 1.6 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.67 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081187 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,701.63 | $3,279.85 | 7.206% | $996.28 | $996.28 | 6.990% | No | No | Non-Employment Income | US Citizen | $6,924.55 | 1 | [Redacted] | $1,518.36 | [Redacted] | $126.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,701.63 | 6.610% | $0.00 | 3.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 60 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 373.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081515 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $11,625.42 | 6.675% | $7,216.30 | $7,216.30 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $15,498.72 | 1 | [Redacted] | $3,907.20 | [Redacted] | $325.60 | 44.536% | 44.536% | 44.536% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.530% | $4,305.60 | 1.0 | DU | ApproveEligible | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 141.92 | No | No | $0.00 | $7,525.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084412 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,077.90 | 6.928% | $3,128.62 | $3,128.62 | 6.875% | No | No | Non-Employment Income | US Citizen | $5,713.04 | 1 | [Redacted] | $2,169.00 | [Redacted] | $180.75 | 42.478% | 42.478% | 42.478% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.610% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 31.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.47 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084656 | [Redacted] | [Redacted] | N/A | No | No | $3,844.89 | $3,844.89 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $2,298.00 | [Redacted] | $191.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.22 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084673 | [Redacted] | [Redacted] | N/A | No | No | $13,537.50 | $20,702.41 | 6.939% | $5,513.08 | $5,513.08 | 6.750% | No | No | Self-Employed | US Citizen | $136,779.84 | 3 | [Redacted] | $6,780.48 | [Redacted] | $565.04 | 7.892% | 7.892% | 7.892% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,537.50 | 6.490% | $0.00 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 48.240% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 83.47 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084962 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,229.20 | $875.65 | 8.411% | $1,853.97 | $1,853.97 | 8.375% | No | No | Self-Employed | US Citizen | $3,842.88 | 1 | [Redacted] | $923.76 | [Redacted] | $76.98 | 48.482% | 48.482% | 48.482% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,229.20 | 6.610% | $10,000.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 21.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084963 | [Redacted] | [Redacted] | N/A | No | No | $5,210.71 | $5,210.71 | 6.990% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $4,463.04 | [Redacted] | $371.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084965 | [Redacted] | [Redacted] | N/A | No | No | $1,345.88 | $1,345.88 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,887.00 | [Redacted] | $157.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | 0.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 47.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085000 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,199.60 | $4,406.69 | 7.282% | $850.73 | $850.73 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | Honduras | $1,741.39 | 1 | [Redacted] | $1,331.52 | [Redacted] | $110.96 | 42.181% | 42.181% | 42.181% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,199.60 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 67.150% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization, Passport | 24.74 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085112 | [Redacted] | [Redacted] | N/A | No | No | $7,833.75 | $9,401.57 | 7.360% | $1,495.42 | $1,495.42 | 6.990% | No | No | Not Employed | Self-Employed | Employed | 7.85 | US Citizen | US Citizen | $15,999.37 | 1 | [Redacted] | $771.00 | [Redacted] | $64.25 | 47.464% | 47.464% | 47.464% | [Redacted] | 728 | 715 | 743 | 720 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 60.000% | 100.000% | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,833.75 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 76.8 | No | No | $18,207.87 | $12,246.23 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085113 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,351.20 | $3,904.44 | 7.202% | $1,222.92 | $1,222.92 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $2,601.44 | 1 | [Redacted] | $1,139.04 | [Redacted] | $94.92 | 40.213% | 40.213% | 40.213% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,351.20 | 6.490% | $0.00 | 1.9 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 33.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 13.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085114 | [Redacted] | [Redacted] | N/A | No | No | $1,422.15 | $1,422.15 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $995.04 | [Redacted] | $82.92 | 0.000% | 0.000% | 0.000% | 805 | 804 | 805 | 812 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 190.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085122 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,323.75 | $32,615.52 | 7.204% | $5,616.74 | $5,616.74 | 6.875% | No | No | Self-Employed | US Citizen | $29,037.50 | 1 | [Redacted] | $2,042.04 | [Redacted] | $170.17 | 41.150% | 41.150% | 41.150% | [Redacted] | 731 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $26,323.75 | 6.520% | $0.00 | 1.3 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085132 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,081.25 | $8,533.69 | 8.601% | $4,082.93 | $4,082.93 | 8.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,615.42 | 1 | [Redacted] | $2,430.96 | [Redacted] | $202.58 | 41.022% | 41.022% | 41.022% | [Redacted] | 742 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,081.25 | 6.490% | $3,000.00 | None | No | No | 8.500% | 0 | 0 | 1 | 0 | 2 | 1 | 4.40 | No | [Redacted] | [Redacted] | 25.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085133 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,723.25 | $3,425.03 | 7.297% | $1,340.70 | $1,340.70 | 7.125% | No | No | Employed | US Citizen | $14,659.38 | 1 | [Redacted] | $990.00 | [Redacted] | $82.50 | 27.114% | 27.114% | 27.114% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,723.25 | 6.490% | $6,500.00 | None | Yes | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 74.170% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085135 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,035.01 | 7.141% | $9,262.50 | $12,211.99 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $30,389.71 | 1 | [Redacted] | $8,823.00 | [Redacted] | $735.25 | 40.432% | 34.651% | 40.432% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.125% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 100.000% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 182.19 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085137 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,219.38 | $5,625.72 | 7.583% | $1,942.52 | $1,942.52 | 7.375% | No | No | Employed | US Citizen | $4,318.21 | 1 | [Redacted] | $3,264.00 | [Redacted] | $272.00 | 36.281% | 36.281% | 36.281% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,219.38 | 6.610% | $37,750.00 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 27.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/30/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085143 | [Redacted] | [Redacted] | N/A | No | No | $2,638.66 | $2,638.66 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,788.24 | [Redacted] | $149.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.8 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [Redacted] | [Redacted] | 29.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085256 | [Redacted] | [Redacted] | N/A | No | No | $187,115.00 | $67,782.08 | 7.519% | $15,727.50 | $15,727.50 | 6.990% | No | No | Self-Employed | US Citizen | $164,251.33 | 1 | [Redacted] | $1,617.96 | [Redacted] | $134.83 | 20.181% | 20.181% | 23.420% | [Redacted] | 798 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $187,115.00 | 6.190% | $0.00 | 5.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 38.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.57 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226088788 | [Redacted] | [Redacted] | N/A | No | No | $19,466.40 | $10,140.94 | 7.416% | $1,605.75 | $1,605.75 | 6.990% | No | No | Self-Employed | US Citizen | $63,461.02 | 1 | [Redacted] | $1,851.00 | [Redacted] | $154.25 | 10.657% | 10.657% | 10.657% | [Redacted] | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,466.40 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 69.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.94 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226090000 | [Redacted] | [Redacted] | N/A | No | No | $775.27 | $775.27 | 8.375% | No | No | US Citizen | 1 | [Redacted] | $881.04 | [Redacted] | $73.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226090248 | [Redacted] | [Redacted] | N/A | No | No | $1,349.33 | $1,349.33 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $706.32 | [Redacted] | $58.86 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.4 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | [Redacted] | [Redacted] | 44.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 9.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226090279 | [Redacted] | [Redacted] | N/A | No | No | $5,286.46 | $5,286.46 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $5,249.04 | [Redacted] | $437.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226090964 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $7,109.35 | 7.047% | $4,153.94 | $4,153.94 | 6.990% | No | Yes | Not Employed | Employed | US Citizen | US Citizen | $18,548.78 | 1 | [Redacted] | $456.00 | [Redacted] | $38.00 | 49.344% | 49.344% | 49.344% | 749 | Yes | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 360 | [Redacted] | [Redacted] | 75.710% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.67 | No | No | $1,454.21 | $35,162.67 | No | No | No | No | 3 | 360 | AE | 11/30/2026 | $57,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226092539 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,427.50 | $9,187.66 | 7.651% | $3,146.47 | $3,146.47 | 7.500% | No | No | Not Employed | Employed | Employed | 5.03 | US Citizen | US Citizen | US Citizen | $7,702.61 | 1 | [Redacted] | $2,747.04 | [Redacted] | $228.92 | 48.250% | 48.250% | 48.250% | 701 | 754 | 756 | 758 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,427.50 | 6.570% | $0.00 | 3.8 | None | No | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.45 | No | $0.00 | $14,884.33 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226092812 | [Redacted] | [Redacted] | N/A | No | No | $7,925.70 | $7,925.70 | 9.750% | No | No | Non-Permanent Resident Alien | US Citizen | 1 | [Redacted] | $1,658.04 | [Redacted] | $138.17 | 0.000% | 0.000% | 0.000% | 689 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.54 | 1.85 | [Redacted] | [Redacted] | 33.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226092824 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,608.75 | $5,074.91 | 7.207% | $4,067.58 | $4,067.58 | 7.125% | No | No | Self-Employed | US Citizen | $13,261.96 | 1 | [Redacted] | $2,427.12 | [Redacted] | $202.26 | 34.778% | 34.778% | 34.778% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,608.75 | 6.530% | $0.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 19.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.66 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226093793 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,085.00 | $10,331.35 | 7.085% | $4,536.11 | $4,536.11 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $28,881.12 | 1 | [Redacted] | $2,691.00 | [Redacted] | $224.25 | 19.922% | 19.922% | 19.922% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 95.710% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.71% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.71% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.71% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.71% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,085.00 | 6.610% | $0.00 | 4.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226093815 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $3,165.78 | 7.683% | $3,878.71 | $3,878.71 | 7.625% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $41,206.69 | 1 | [Redacted] | $5,241.96 | [Redacted] | $436.83 | 18.484% | 18.484% | 18.484% | [Redacted] | 726 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,095.00 | 6.490% | $2,250.00 | 2.0 | None | Yes | No | 7.625% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 823.5 | Yes | No | $42,718.41 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226093819 | [Redacted] | [Redacted] | N/A | No | No | $1,196.34 | $1,196.34 | 6.990% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,935.00 | [Redacted] | $161.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 5.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [Redacted] | [Redacted] | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 135.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226094824 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,515.60 | $10,999.17 | 7.465% | $2,810.57 | $2,810.57 | 7.250% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $7,739.66 | 1 | [Redacted] | $1,526.52 | [Redacted] | $127.21 | 42.245% | 42.245% | 42.245% | [Redacted] | 770 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [Redacted] | $5,515.60 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | 26.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 6.18 | Yes | No | $4,587.08 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226095134 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,242.78 | $7,604.45 | 7.690% | $1,721.85 | $1,721.85 | 7.375% | No | No | Employed | US Citizen | $2,314.10 | 1 | [Redacted] | $2,236.92 | [Redacted] | $186.41 | 48.606% | 48.606% | 48.606% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,242.78 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 3 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098254 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,849.00 | $12,350.87 | 7.108% | $1,945.79 | $1,945.79 | 6.750% | No | No | Non-Employment Income | US Citizen | $4,096.14 | 1 | [Redacted] | $1,827.00 | [Redacted] | $152.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $6,849.00 | 6.490% | $0.00 | 2.5 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 317.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099020 | [Redacted] | [Redacted] | N/A | No | No | $3,346.45 | $3,346.45 | 7.990% | No | No | US Citizen | 4 | [Redacted] | $10,323.00 | [Redacted] | $860.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 666 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099048 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,766.00 | $11,164.90 | 8.450% | $2,791.79 | $2,791.79 | 8.125% | No | No | Self-Employed | US Citizen | $90,036.11 | 1 | [Redacted] | $1,464.36 | [Redacted] | $122.03 | 5.048% | 5.048% | 5.048% | [Redacted] | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,766.00 | 6.640% | $0.00 | 2.6 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099051 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,250.00 | $1,341.50 | 6.715% | $6,226.54 | $6,226.54 | 6.750% | No | No | Self-Employed | US Citizen | $38,583.85 | 1 | [Redacted] | $3,288.96 | [Redacted] | $274.08 | 15.306% | 15.306% | 15.306% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,250.00 | 6.490% | $38,500.00 | 2.1 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 25.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099052 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,258.00 | $9,253.60 | 7.334% | $4,595.14 | $4,595.14 | 7.250% | No | No | Self-Employed | US Citizen | $10,250.65 | 1 | [Redacted] | $4,972.08 | [Redacted] | $414.34 | 41.772% | 41.772% | 41.772% | [Redacted] | 740 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,258.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099053 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,267.18 | $10,221.12 | 8.289% | $2,206.53 | $2,206.53 | 7.990% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | $4,913.30 | 1 | [Redacted] | $937.20 | [Redacted] | $78.10 | 42.897% | 42.897% | 42.897% | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,267.18 | 6.610% | $0.00 | 1.0 | None | No | No | 7.990% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 32.680% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 7.83 | No | No | $0.00 | $4,776.14 | Yes | Yes | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099055 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,568.72 | $10,863.91 | 7.382% | $3,929.34 | $3,929.34 | 7.250% | No | No | Self-Employed | US Citizen | $17,960.08 | 1 | [Redacted] | $1,776.00 | [Redacted] | $148.00 | 21.619% | 21.619% | 21.619% | [Redacted] | 774 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,568.72 | 6.640% | $5,000.00 | 2.5 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 2.590% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099056 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,342.00 | $7,662.40 | 7.271% | $1,807.80 | $1,807.80 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,206.84 | 1 | [Redacted] | $4,631.16 | [Redacted] | $385.93 | 39.296% | 39.296% | 39.296% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,342.00 | 6.490% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 88.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 111.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099060 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,093.20 | $14,172.07 | 7.253% | $3,546.47 | $3,546.47 | 6.990% | No | No | Self-Employed | US Citizen | $32,372.60 | 1 | [Redacted] | $4,416.96 | [Redacted] | $368.08 | 23.970% | 23.970% | 23.970% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,093.20 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099063 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,315.00 | $2,523.54 | 7.323% | $2,330.31 | $2,330.31 | 7.250% | No | No | Self-Employed | US Citizen | $5,271.28 | 1 | [Redacted] | $558.96 | [Redacted] | $46.58 | 33.724% | 33.724% | 33.724% | [Redacted] | 778 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,315.00 | 6.530% | ($7,325.00) | 1.0 | None | No | No | 7.250% | 1 | 2 | 0 | 2 | 2 | 6.70 | No | [Redacted] | [Redacted] | 8.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099065 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,810.60 | $6,272.85 | 7.015% | $1,024.82 | $1,024.82 | 6.625% | No | No | Non-Employment Income | US Citizen | $5,787.10 | 1 | [Redacted] | $3,006.48 | [Redacted] | $250.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,810.60 | 6.610% | $1,500.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 376.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099068 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,955.00 | $27,677.13 | 7.819% | $7,927.29 | $7,927.29 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $14,763.26 | 1 | [Redacted] | $2,667.96 | [Redacted] | $222.33 | 46.423% | 46.423% | 46.423% | [Redacted] | 719 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,955.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.625% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 66.300% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099087 | [Redacted] | [Redacted] | N/A | No | No | $3,500.21 | $3,500.21 | 6.375% | No | No | US Citizen | 2 | [Redacted] | $3,588.00 | [Redacted] | $299.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | 4.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.35 | Yes | 15.000% | 0 | $0.00 | $0.00 | No | No | No | No | 1 | 180 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099088 | [Redacted] | [Redacted] | N/A | No | No | $1,056.08 | $1,056.08 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $1,200.00 | [Redacted] | $100.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.3 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | LP | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 322.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099092 | [Redacted] | [Redacted] | N/A | No | No | $3,215.15 | $3,215.15 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $1,508.04 | [Redacted] | $125.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099286 | [Redacted] | [Redacted] | N/A | No | No | $880.85 | $880.85 | 8.625% | No | No | US Citizen | 1 | [Redacted] | $2,306.04 | [Redacted] | $192.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099320 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,216.90 | 9.114% | $1,658.05 | $1,658.05 | 8.990% | No | No | Self-Employed | US Citizen | $6,362.56 | 1 | [Redacted] | $1,770.96 | [Redacted] | $147.58 | 39.386% | 39.386% | 39.386% | [Redacted] | 657 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.610% | $5,693.75 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 41.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099330 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,740.18 | 7.110% | $1,827.74 | $1,827.74 | 6.990% | No | No | Non-Employment Income | US Citizen | $5,964.83 | 1 | [Redacted] | $2,470.44 | [Redacted] | $205.87 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 308.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099338 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,840.00 | $8,984.06 | 8.985% | $2,548.91 | $2,548.91 | 8.750% | No | No | Self-Employed | US Citizen | $15,510.14 | 1 | [Redacted] | $3,373.08 | [Redacted] | $281.09 | 18.207% | 18.207% | 18.207% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,840.00 | 6.530% | $10,250.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 7.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099344 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,656.94 | 7.315% | $2,073.82 | $2,073.82 | 7.250% | No | No | Non-Employment Income | US Citizen | $9,561.04 | 1 | [Redacted] | $1,967.16 | [Redacted] | $163.93 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.490% | $3,000.00 | 3.7 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 264.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099360 | [Redacted] | [Redacted] | N/A | No | No | $935.80 | $935.80 | 6.375% | No | No | 0 | Foreign National | 1 | [Redacted] | $881.76 | [Redacted] | $73.48 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.43 | [Redacted] | [Redacted] | 10.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 649.05 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099486 | [Redacted] | [Redacted] | N/A | No | No | $1,585.06 | $1,585.06 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $885.96 | [Redacted] | $73.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099497 | [Redacted] | [Redacted] | N/A | No | No | $648.60 | $648.60 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,407.96 | [Redacted] | $117.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.7 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.82 | 0.54 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099672 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,626.69 | $24,809.54 | 7.521% | $3,782.67 | $3,782.67 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | N/A | $5,669.26 | 1 | [Redacted] | $3,267.12 | [Redacted] | $272.26 | 49.962% | 49.962% | 49.962% | [Redacted] | 695 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [Redacted] | $17,626.69 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 52.490% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100402 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,654.88 | 7.382% | $5,861.35 | $6,155.27 | 7.621% | No | No | Employed | US Citizen | $20,381.65 | 1 | [Redacted] | $1,410.72 | [Redacted] | $117.56 | 37.449% | 36.547% | 37.449% | [Redacted] | 752 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [Redacted] | $1,690.00 | 6.080% | $0.00 | 2.6 | None | Yes | No | 7.621% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 99.640% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 117.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100675 | [Redacted] | [Redacted] | N/A | No | No | $3,190.23 | $3,190.23 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $3,204.00 | [Redacted] | $267.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 26.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100952 | [Redacted] | [Redacted] | N/A | No | No | $575.96 | $575.96 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,022.52 | [Redacted] | $85.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [Redacted] | [Redacted] | 38.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 349.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100974 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,475.00 | $9,919.46 | 8.826% | $2,152.96 | $2,152.96 | 8.500% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $5,124.57 | 1 | [Redacted] | $1,523.04 | [Redacted] | $126.92 | 48.681% | 48.681% | 48.681% | [Redacted] | 669 | Yes | Yes | 12 | Business | 93.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,475.00 | 6.320% | $7,500.00 | 2.6 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 40.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Next Generation | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 13.73 | No | $4,635.79 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101133 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,123.00 | $22,376.77 | 8.027% | $3,146.47 | $3,146.47 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $85,634.14 | 1 | [Redacted] | $1,187.16 | [Redacted] | $98.93 | 7.618% | 7.618% | 7.618% | [Redacted] | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $21,123.00 | 6.530% | $10,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 55.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 51.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101450 | [Redacted] | [Redacted] | N/A | No | No | $1,313.86 | $1,313.86 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,262.04 | [Redacted] | $105.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.2 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101455 | [Redacted] | [Redacted] | N/A | No | No | $1,730.56 | $1,730.56 | 7.500% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,725.96 | [Redacted] | $143.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | 778 | 782 | 785 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101456 | [Redacted] | [Redacted] | N/A | No | No | $1,709.42 | $1,709.42 | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,725.96 | [Redacted] | $143.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | 778 | 782 | 785 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 118.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101549 | [Redacted] | [Redacted] | N/A | No | No | $1,730.56 | $1,730.56 | 7.500% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,724.04 | [Redacted] | $143.67 | 0.000% | 0.000% | 0.000% | 773 | 778 | 782 | 785 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101556 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,862.80 | $9,881.00 | 7.296% | $3,018.26 | $3,018.26 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,529.68 | 1 | [Redacted] | $3,287.04 | [Redacted] | $273.92 | 45.924% | 45.924% | 45.924% | [Redacted] | 813 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2009 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2012 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,862.80 | 6.490% | $0.00 | 1.3 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 1 | 0.00 | No | Other | [Redacted] | [Redacted] | 77.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.99 | Yes | No | $308.37 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101558 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,142.01 | $19,122.75 | 7.500% | $7,357.08 | $7,357.08 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $29,961.40 | 1 | [Redacted] | $1,154.04 | [Redacted] | $96.17 | 28.290% | 28.290% | 28.290% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $12,142.01 | 6.640% | $10,000.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 49.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101559 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,225.00 | $28,845.06 | 7.590% | $7,597.43 | $7,597.43 | 7.375% | No | No | Self-Employed | US Citizen | $17,536.74 | 3 | [Redacted] | $7,233.36 | [Redacted] | $602.78 | 34.304% | 34.304% | 34.304% | [Redacted] | 766 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $21,225.00 | 6.490% | $65,000.00 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | 21.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101653 | [Redacted] | [Redacted] | N/A | No | No | $6,526.88 | $6,526.88 | 7.375% | No | No | Permanent Resident Alien | 3 | [Redacted] | $6,877.80 | [Redacted] | $573.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101801 | [Redacted] | [Redacted] | N/A | No | No | $1,869.27 | $1,869.27 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $1,302.00 | [Redacted] | $108.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 115.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101950 | [Redacted] | [Redacted] | N/A | No | No | $16,745.75 | $22,329.12 | 8.621% | $5,814.55 | $5,814.55 | 8.375% | No | No | Employed | US Citizen | $8,537.43 | 1 | [Redacted] | $2,503.20 | [Redacted] | $208.60 | 46.066% | 46.066% | 46.066% | [Redacted] | 745 | Yes | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $16,745.75 | 6.110% | $50,000.00 | 1.2 | None | No | No | 8.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.42 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/03/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101952 | [Redacted] | [Redacted] | N/A | No | No | $1,066.85 | $1,066.85 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $453.00 | [Redacted] | $37.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 74.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102004 | [Redacted] | [Redacted] | N/A | No | No | $1,878.64 | $1,878.64 | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $858.24 | [Redacted] | $71.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | 32.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102011 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,365.00 | $5,681.66 | 7.510% | $2,072.03 | $2,072.03 | 7.375% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $16,593.09 | 1 | [Redacted] | $1,761.96 | [Redacted] | $146.83 | 25.891% | 25.891% | 25.891% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,365.00 | 6.610% | $7,000.00 | 1.7 | None | No | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 450.29 | Yes | No | $0.00 | $8,346.27 | No | No | No | No | 2 | 360 | AE | 08/03/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102013 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,970.32 | $4,268.74 | 7.466% | $3,237.33 | $3,237.33 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,187.34 | 1 | [Redacted] | $3,045.00 | [Redacted] | $253.75 | 46.109% | 46.109% | 46.109% | [Redacted] | 765 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $5,970.32 | 6.530% | $100,000.00 | 3.3 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | 8.680% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.26 | No | No | $10,587.26 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102080 | [Redacted] | [Redacted] | N/A | No | No | $1,595.00 | $5,274.48 | 7.066% | $2,683.91 | $2,683.91 | 6.990% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Turkey | Turkey | $8,498.67 | 1 | [Redacted] | $276.96 | [Redacted] | $23.08 | 42.317% | 42.317% | 42.317% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.530% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 53.510% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 37.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102645 | [Redacted] | [Redacted] | N/A | No | No | $1,215.32 | $1,215.32 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $3,837.00 | [Redacted] | $319.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 187.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120344 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,590.00 | $30,856.55 | 7.748% | $12,740.29 | $12,740.29 | 7.625% | No | No | Self-Employed | US Citizen | $63,826.58 | 1 | [Redacted] | $4,263.00 | [Redacted] | $355.25 | 27.519% | 27.519% | 27.519% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,590.00 | 6.530% | $0.00 | 4.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.09 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120492 | [Redacted] | [Redacted] | N/A | No | No | $2,208.34 | $2,208.34 | 7.750% | No | No | US Citizen | 3 | [Redacted] | $1,881.96 | [Redacted] | $156.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120498 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,979.50 | $3,388.18 | 8.541% | $2,529.34 | $2,529.34 | 8.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,518.81 | 1 | [Redacted] | $1,782.96 | [Redacted] | $148.58 | 0.000% | 0.000% | 0.000% | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,979.50 | 6.640% | $13,000.00 | 2.6 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 421.22 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120644 | [Redacted] | [Redacted] | N/A | No | No | $7,264.22 | $7,106.83 | 7.165% | $2,117.03 | $2,117.03 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,907.70 | 1 | [Redacted] | $432.00 | [Redacted] | $36.00 | 40.913% | 40.913% | 40.913% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,264.22 | 6.530% | $7,963.18 | 2.8 | None | No | No | 6.990% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 21.990% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 33.85 | No | No | $12,297.05 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120811 | [Redacted] | [Redacted] | N/A | No | No | $1,355.80 | $1,355.80 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $924.00 | [Redacted] | $77.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 633 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120815 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,723.90 | $2,081.42 | 7.035% | $656.93 | $656.93 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $14,530.74 | 1 | [Redacted] | $936.96 | [Redacted] | $78.08 | 6.641% | 6.641% | 6.641% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,723.90 | 6.490% | $39,383.00 | 1.1 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | 38.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 57.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120818 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,585.00 | $7,067.55 | 7.080% | $1,836.12 | $1,836.12 | 6.875% | No | No | Self-Employed | US Citizen | $8,086.74 | 1 | [Redacted] | $531.72 | [Redacted] | $44.31 | 24.759% | 24.759% | 24.759% | [Redacted] | 796 | Yes | Yes | 12 | Business | 76.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,585.00 | 6.490% | $0.00 | 3.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 89.010% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 95.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120823 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,790.38 | $8,237.93 | 7.387% | $3,032.27 | $3,032.27 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,790.73 | 1 | [Redacted] | $2,610.96 | [Redacted] | $217.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $4,790.38 | 6.490% | $2,500.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 266.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120828 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,687.75 | $4,865.06 | 7.569% | $907.29 | $907.29 | 7.250% | No | Yes | Not Employed | Non-Employment Income | US Citizen | US Citizen | $4,200.21 | 1 | [Redacted] | $778.44 | [Redacted] | $64.87 | 40.026% | 40.026% | 40.026% | [Redacted] | 817 | Yes | No | [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,687.75 | 6.610% | $0.00 | 3.5 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 265.46 | No | No | $7,003.35 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121028 | [Redacted] | [Redacted] | N/A | No | No | $1,495.42 | $1,495.42 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $4,134.84 | [Redacted] | $344.57 | 0.000% | 0.000% | 0.000% | [Redacted] | 691 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121031 | [Redacted] | [Redacted] | N/A | No | No | $2,355.11 | $2,355.11 | 8.875% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $3,930.48 | [Redacted] | $327.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 698 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121091 | [Redacted] | [Redacted] | N/A | No | No | $1,815.28 | $1,815.28 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $807.96 | [Redacted] | $67.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 49.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 38.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121093 | [Redacted] | [Redacted] | N/A | No | No | $1,636.39 | $1,636.39 | 6.500% | No | No | Foreign National | 1 | [Redacted] | $813.00 | [Redacted] | $67.75 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.84 | [Redacted] | [Redacted] | 63.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 40.79 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121138 | [Redacted] | [Redacted] | N/A | No | No | $1,748.04 | $1,748.04 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $969.00 | [Redacted] | $80.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 645 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.55 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121826 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $566.04 | [Redacted] | $47.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 112.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122011 | [Redacted] | [Redacted] | N/A | No | No | $7,734.00 | $8,812.16 | 7.775% | $4,529.88 | $4,529.88 | 7.625% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $17,623.61 | 1 | [Redacted] | $1,491.00 | [Redacted] | $124.25 | 39.233% | 39.233% | 39.233% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,734.00 | 6.570% | $0.00 | 3.6 | DU | ApproveEligible | No | No | 7.625% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 41.330% | No | 22 | 9 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 29.33 | Yes | No | $0.00 | $15,000.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122012 | [Redacted] | [Redacted] | N/A | No | No | $40,251.38 | $12,583.22 | 7.203% | $3,922.98 | $3,922.98 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,834.51 | 2 | [Redacted] | $2,996.16 | [Redacted] | $249.68 | 41.557% | 41.557% | 41.557% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $40,251.38 | 6.610% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 51.130% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.98 | No | No | $7,558.26 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122078 | [Redacted] | [Redacted] | N/A | No | No | $1,834.38 | $1,834.38 | 6.990% | No | No | Permanent Resident Alien | 1 | [Redacted] | $987.36 | [Redacted] | $82.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 15.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122082 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,734.00 | $16,978.28 | 8.145% | $6,924.67 | $8,692.51 | 7.990% | No | No | Self-Employed | US Citizen | $28,106.76 | 1 | [Redacted] | $1,623.00 | [Redacted] | $135.25 | 29.055% | 24.593% | 29.055% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 21.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,734.00 | 6.490% | $0.00 | 1.1 | None | No | No | 7.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | No | 19.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122086 | [Redacted] | [Redacted] | N/A | No | No | $1,458.38 | $1,458.38 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,074.04 | [Redacted] | $256.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1550.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226123219 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,690.00 | $6,430.55 | 8.218% | $3,341.24 | $3,341.24 | 8.125% | No | No | Self-Employed | US Citizen | $8,207.69 | 1 | [Redacted] | $1,382.04 | [Redacted] | $115.17 | 40.290% | 40.290% | 40.290% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,690.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 20.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.8 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226123959 | [Redacted] | [Redacted] | N/A | No | No | $1,212.19 | $1,212.19 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $885.24 | [Redacted] | $73.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [Redacted] | [Redacted] | 30.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124326 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,957.50 | $9,974.90 | 7.460% | $2,660.49 | $2,660.49 | 7.250% | No | No | Non-Employment Income | US Citizen | $28,637.84 | 1 | [Redacted] | $4,371.96 | [Redacted] | $364.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $6,957.50 | 6.520% | $5,000.00 | 1.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 453.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124637 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,450.80 | $19,814.85 | 7.700% | $5,663.99 | $5,663.99 | 7.500% | No | No | Self-Employed | US Citizen | $19,511.29 | 1 | [Redacted] | $1,858.44 | [Redacted] | $154.87 | 26.106% | 26.106% | 26.106% | [Redacted] | 729 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $14,450.80 | 6.530% | $0.00 | 2.6 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 22.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124642 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,390.00 | $6,735.09 | 7.321% | $1,196.34 | $1,196.34 | 6.990% | No | No | Non-Employment Income | US Citizen | $3,014.35 | 1 | [Redacted] | $1,059.72 | [Redacted] | $88.31 | 45.478% | 45.478% | 45.478% | [Redacted] | 823 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,390.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 76.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124680 | [Redacted] | [Redacted] | N/A | No | No | $6,646.31 | $6,646.31 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $5,165.52 | [Redacted] | $430.46 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [Redacted] | [Redacted] | 11.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 53.79 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124709 | [Redacted] | [Redacted] | N/A | No | No | $1,212.68 | $1,212.68 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $591.00 | [Redacted] | $49.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 666 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [Redacted] | [Redacted] | 2.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | A | $1,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124824 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,333.52 | $5,632.28 | 7.134% | $1,871.60 | $1,871.60 | 6.990% | No | No | Employed | US Citizen | $3,851.03 | 1 | [Redacted] | $689.40 | [Redacted] | $57.45 | 42.453% | 42.453% | 42.453% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,333.52 | 6.530% | $15,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 72.550% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 64.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124827 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $9,840.48 | 7.527% | $7,943.08 | $7,943.08 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,757.70 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 39.903% | 39.903% | 39.903% | [Redacted] | 726 | No | Yes | 24 | Personal | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 33.820% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.85 | No | $13,110.30 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124831 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,150.63 | $9,932.75 | 7.565% | $1,893.04 | $1,893.04 | 7.250% | No | No | Not Employed | Employed | Employed | 27.09 | US Citizen | US Citizen | $12,586.27 | 1 | [Redacted] | $1,267.08 | [Redacted] | $105.59 | 33.927% | 33.927% | 33.927% | [Redacted] | 732 | 719 | 744 | 738 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,150.63 | 6.640% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 28 | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.85 | No | No | $0.00 | $19,049.01 | No | No | No | No | 2 | 360 | AE | 05/09/2027 | $1,561,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124834 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,463.85 | 8.236% | $4,263.42 | $4,263.42 | 8.125% | No | No | Self-Employed | US Citizen | $52,614.14 | 1 | [Redacted] | $687.00 | [Redacted] | $57.25 | 20.503% | 20.503% | 20.503% | [Redacted] | 786 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.530% | $0.00 | 1.4 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 47.320% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.68 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124845 | [Redacted] | [Redacted] | N/A | No | No | $1,554.02 | $1,554.02 | 7.375% | No | No | US Citizen | 3 | [Redacted] | $1,682.04 | [Redacted] | $140.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124846 | [Redacted] | [Redacted] | N/A | No | No | $925.50 | $925.50 | 7.375% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $776.04 | [Redacted] | $64.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.3 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | 24.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124847 | [Redacted] | [Redacted] | N/A | No | No | $1,118.83 | $1,118.83 | 8.375% | No | No | US Citizen | 2 | [Redacted] | $1,440.96 | [Redacted] | $120.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 712 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [Redacted] | [Redacted] | 42.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124849 | [Redacted] | [Redacted] | N/A | No | No | $1,261.17 | $1,261.17 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $831.48 | [Redacted] | $69.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 13.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124855 | [Redacted] | [Redacted] | N/A | No | No | $3,051.99 | $3,051.99 | 6.990% | No | No | 0 | US Citizen | 3 | [Redacted] | $2,096.04 | [Redacted] | $174.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124857 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $3,242.51 | 7.254% | $4,093.06 | $4,093.06 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $11,520.41 | 1 | [Redacted] | $760.32 | [Redacted] | $63.36 | 33.144% | 33.144% | 33.144% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 61.930% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.31 | No | $0.00 | $8,507.20 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124859 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,499.16 | 7.056% | $2,489.04 | $2,489.04 | 6.990% | No | No | Self-Employed | US Citizen | $5,662.61 | 1 | [Redacted] | $968.04 | [Redacted] | $80.67 | 43.899% | 43.899% | 43.899% | [Redacted] | 808 | Yes | Yes | 24 | Business | 76.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.640% | $10,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 44.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 78.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124865 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,870.00 | $5,079.80 | 6.964% | $2,417.50 | $2,417.50 | 6.875% | No | No | Employed | US Citizen | $21,874.98 | 1 | [Redacted] | $1,953.00 | [Redacted] | $162.75 | 26.512% | 26.512% | 26.512% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,870.00 | 6.530% | $1,100.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 29.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | 9.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124866 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,053.75 | $6,598.01 | 7.299% | $4,400.04 | $4,400.04 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $196,173.88 | 1 | [Redacted] | $3,625.80 | [Redacted] | $302.15 | 9.877% | 9.877% | 9.877% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,053.75 | 6.530% | $10,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 29.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.82 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124878 | [Redacted] | [Redacted] | N/A | No | No | $3,242.99 | $3,242.99 | 6.750% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $9,443.28 | [Redacted] | $786.94 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | Level 2-Stated/Not Verified | No | No | DSCR | 6 | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 90.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124941 | [Redacted] | [Redacted] | N/A | No | No | $789.84 | $789.84 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $2,126.88 | [Redacted] | $177.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124943 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $11,517.99 | 6.972% | $7,856.87 | $7,856.87 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $16,184.63 | 1 | [Redacted] | $6,363.96 | [Redacted] | $530.33 | 40.715% | 40.715% | 40.715% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.610% | $4,684.56 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.875% | 2 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | 40.130% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.22 | No | No | $0.00 | $10,333.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124948 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,050.09 | 6.128% | $6,760.58 | $6,760.58 | 6.125% | No | No | Self-Employed | US Citizen | $11,127.70 | 1 | [Redacted] | $921.84 | [Redacted] | $76.82 | 47.030% | 47.030% | 47.030% | [Redacted] | 680 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.530% | $10,000.00 | 4.3 | None | No | No | 6.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125082 | [Redacted] | [Redacted] | N/A | No | No | $921.45 | $921.45 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $876.96 | [Redacted] | $73.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | 54.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125084 | [Redacted] | [Redacted] | N/A | No | No | $17,840.00 | $20,937.25 | 8.064% | $3,185.07 | $3,185.07 | 7.625% | No | No | Self-Employed | US Citizen | $16,892.04 | 2 | [Redacted] | $4,476.00 | [Redacted] | $373.00 | 34.365% | 34.365% | 34.365% | [Redacted] | 670 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [Redacted] | $17,840.00 | 6.640% | $0.00 | None | No | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | Yes | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125091 | [Redacted] | [Redacted] | N/A | No | No | $962.07 | $962.07 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $938.04 | [Redacted] | $78.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [Redacted] | [Redacted] | 40.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.26 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125110 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,602.00 | $19,711.68 | 8.614% | $5,563.73 | $5,563.73 | 8.375% | No | No | Employed | Permanent Resident Alien | $9,024.16 | 1 | [Redacted] | $1,602.00 | [Redacted] | $133.50 | 49.654% | 49.654% | 49.654% | [Redacted] | 663 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $13,602.00 | 6.680% | $0.00 | 4.5 | None | No | No | 8.375% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 108.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125135 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $969.96 | [Redacted] | $80.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125142 | [Redacted] | [Redacted] | N/A | No | No | $10,437.00 | $13,815.40 | 7.490% | $3,247.16 | $3,247.16 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $655,844.72 | 1 | [Redacted] | $2,426.28 | [Redacted] | $202.19 | 21.485% | 21.485% | 21.485% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,437.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 181.74 | No | No | $835,313.01 | $0.00 | No | No | No | No | 17 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226126259 | [Redacted] | [Redacted] | N/A | No | No | $1,255.09 | $1,255.09 | 7.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $991.32 | [Redacted] | $82.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226126510 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,506.06 | $6,664.71 | 8.112% | $3,025.74 | $3,025.74 | 7.990% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $7,567.37 | 1 | [Redacted] | $2,811.12 | [Redacted] | $234.26 | 39.137% | 39.137% | 39.137% | [Redacted] | 678 | No | Yes | 12 | Business | 100.000% | 49.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,506.06 | 6.490% | $0.00 | 2.6 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 69.2 | No | $12,433.37 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226126606 | [Redacted] | [Redacted] | N/A | No | No | $1,622.17 | $1,622.17 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $2,379.96 | [Redacted] | $198.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 231.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129061 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,818.12 | 7.487% | $10,105.78 | $10,887.59 | 7.886% | No | No | Self-Employed | US Citizen | $135,384.01 | 1 | [Redacted] | $10,097.04 | [Redacted] | $841.42 | 11.516% | 11.005% | 11.516% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.130% | $0.00 | 2.2 | None | No | No | 7.886% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | 07/28/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129065 | [Redacted] | [Redacted] | N/A | No | No | $1,508.59 | $1,508.59 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $3,629.28 | [Redacted] | $302.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | 28.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129079 | [Redacted] | [Redacted] | N/A | No | No | $6,763.10 | $9,199.15 | 7.222% | $2,163.37 | $2,163.37 | 6.990% | No | No | Non-Employment Income | US Citizen | $4,279.97 | 2 | [Redacted] | $2,619.72 | [Redacted] | $218.31 | 45.409% | 45.409% | 45.409% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $6,763.10 | 6.530% | $0.00 | DU | ApproveEligible | N/A | No | 6.990% | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 50.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129215 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,422.13 | $5,928.34 | 6.876% | $2,300.90 | $2,300.90 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $8,043.70 | 1 | [Redacted] | $2,975.04 | [Redacted] | $247.92 | 37.583% | 37.583% | 37.583% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,422.13 | 6.530% | $11,450.00 | 1.5 | None | Yes | No | 6.750% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 70.600% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 150.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129420 | [Redacted] | [Redacted] | N/A | No | No | $811.03 | $811.03 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,341.84 | [Redacted] | $111.82 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.53 | [Redacted] | [Redacted] | 73.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129482 | [Redacted] | [Redacted] | N/A | No | No | $1,303.68 | $1,303.68 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,656.96 | [Redacted] | $138.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.07 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129494 | [Redacted] | [Redacted] | N/A | No | No | $1,071.62 | $1,071.62 | 6.875% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $804.00 | [Redacted] | $67.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 679 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | 0.910% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 484.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129510 | [Redacted] | [Redacted] | N/A | No | No | $859.69 | $859.69 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,073.04 | [Redacted] | $89.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | 811 | 797 | 773 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.4 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129516 | [Redacted] | [Redacted] | N/A | No | No | $1,544.60 | $1,544.60 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,290.00 | [Redacted] | $107.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 681 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129715 | [Redacted] | [Redacted] | N/A | No | No | $3,521.71 | $3,521.71 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,227.96 | [Redacted] | $102.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 53.490% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129729 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,594.55 | 7.313% | $2,182.42 | $2,182.42 | 7.250% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $12,004.62 | 1 | [Redacted] | $4,062.36 | [Redacted] | $338.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.610% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 366.82 | Yes | No | $16,246.49 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129732 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,176.16 | 9.057% | $3,726.09 | $3,726.09 | 8.990% | No | No | Self-Employed | US Citizen | $10,048.67 | 1 | [Redacted] | $1,998.36 | [Redacted] | $166.53 | 32.408% | 32.408% | 32.408% | [Redacted] | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.530% | $3,772.28 | 1.5 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 13.940% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129733 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,265.00 | $10,242.62 | 8.921% | $2,982.82 | $2,982.82 | 8.625% | No | No | Self-Employed | Permanent Resident Alien | $6,124.46 | 1 | [Redacted] | $4,119.12 | [Redacted] | $343.26 | 45.762% | 45.762% | 45.762% | [Redacted] | 641 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 18.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,265.00 | 6.490% | $0.00 | 2.5 | None | Yes | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 41.32 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/30/2027 | $450,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129735 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,082.19 | $11,514.79 | 8.863% | $5,851.08 | $5,851.08 | 8.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $23,295.17 | 1 | [Redacted] | $2,981.64 | [Redacted] | $248.47 | 29.738% | 29.738% | 29.738% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,082.19 | 6.530% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 18.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129737 | [Redacted] | [Redacted] | Non QM | Yes | No | $47,353.75 | $55,377.11 | 6.765% | $11,282.41 | $11,282.41 | 6.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $140,459.31 | 1 | [Redacted] | $5,892.96 | [Redacted] | $491.08 | 10.571% | 10.571% | 10.571% | [Redacted] | 810 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $47,353.75 | 6.530% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 8.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.51 | No | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129743 | [Redacted] | [Redacted] | N/A | No | No | $1,077.46 | $1,077.46 | 6.875% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,770.48 | [Redacted] | $147.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.8 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129750 | [Redacted] | [Redacted] | N/A | No | No | $1,450.73 | $1,450.73 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $908.04 | [Redacted] | $75.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.81 | 1.22 | [Redacted] | [Redacted] | 66.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130039 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,310.00 | $750.00 | 6.958% | $3,057.30 | $3,057.30 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $20,134.84 | 1 | [Redacted] | $3,765.60 | [Redacted] | $313.80 | 27.132% | 27.132% | 27.132% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,310.00 | 6.490% | $27,047.50 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 28.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130044 | [Redacted] | [Redacted] | N/A | No | No | $2,269.05 | $2,269.05 | 6.990% | No | No | 0 | US Citizen | Not Provided | 3 | [Redacted] | $1,964.16 | [Redacted] | $163.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.07 | 0.48 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | VantageScore 4.0 | No | 39.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130045 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,782.61 | $4,987.91 | 7.912% | $1,082.92 | $1,082.92 | 7.625% | No | No | Employed | US Citizen | $3,003.65 | 1 | [Redacted] | $576.96 | [Redacted] | $48.08 | 40.325% | 40.325% | 40.325% | [Redacted] | 719 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,782.61 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 17.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130770 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,365.00 | $12,478.25 | 7.944% | $2,484.36 | $2,484.36 | 7.625% | No | No | Self-Employed | US Citizen | $4,713.35 | 1 | [Redacted] | $1,737.00 | [Redacted] | $144.75 | 39.166% | 39.166% | 39.166% | [Redacted] | 741 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $10,365.00 | 6.640% | $0.00 | 5.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 6.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131019 | [Redacted] | [Redacted] | N/A | No | No | $3,391.36 | $3,391.36 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $2,406.24 | [Redacted] | $200.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.07 | [Redacted] | [Redacted] | 34.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131269 | [Redacted] | [Redacted] | N/A | No | No | $1,146.06 | $1,146.06 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,152.96 | [Redacted] | $96.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 815 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [Redacted] | [Redacted] | 54.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131330 | [Redacted] | [Redacted] | N/A | No | No | $3,875.88 | $3,875.88 | 6.875% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,331.04 | [Redacted] | $110.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 642 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | FICO Risk Score Classic 04 | 128.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131610 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,174.32 | $27,993.87 | 7.154% | $8,705.00 | $8,705.00 | 6.990% | No | Yes | Not Employed | Non-Employment Income | US Citizen | US Citizen | $62,122.70 | 1 | [Redacted] | $2,655.96 | [Redacted] | $221.33 | 28.030% | 28.030% | 28.030% | [Redacted] | 782 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $7,174.32 | 6.610% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 638.69 | Yes | No | $86,318.02 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131618 | [Redacted] | [Redacted] | N/A | No | No | $1,616.92 | $1,616.92 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,042.88 | [Redacted] | $170.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134152 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $4,390.10 | 7.063% | $2,592.06 | $2,592.06 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $17,255.62 | 1 | [Redacted] | $5,788.92 | [Redacted] | $482.41 | 24.981% | 24.981% | 24.981% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,690.00 | 6.530% | $1,200.00 | 2.1 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 52.890% | No | 18 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.69 | No | No | $0.00 | $8,807.75 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134480 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,686.00 | $14,495.88 | 7.627% | $3,460.28 | $3,460.28 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,336.87 | 1 | [Redacted] | $1,551.00 | [Redacted] | $129.25 | 44.807% | 44.807% | 44.807% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $17,686.00 | 6.530% | $20,000.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 32.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135088 | [Redacted] | [Redacted] | N/A | No | No | $709.48 | $709.48 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $1,479.00 | [Redacted] | $123.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.91 | 0.52 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.3 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135239 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,685.00 | $10,202.60 | 7.185% | $2,911.08 | $2,911.08 | 6.990% | No | No | Self-Employed | US Citizen | $15,642.78 | 2 | [Redacted] | $2,328.96 | [Redacted] | $194.08 | 20.170% | 20.170% | 20.170% | [Redacted] | 797 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $2,685.00 | 6.640% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135240 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,368.00 | $19,803.79 | 7.431% | $6,139.59 | $6,139.59 | 7.250% | No | No | Not Employed | Self-Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $14,555.53 | 1 | [Redacted] | $2,823.96 | [Redacted] | $235.33 | 40.106% | 40.106% | 40.106% | [Redacted] | 790 | 789 | 825 | 804 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | Yes | 12 | Business | 68.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 6.40000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 6.40000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 6.40000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 6.40000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 6.40000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 6.40000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,368.00 | 6.610% | $20,000.00 | 1.4 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Other | [Redacted] | [Redacted] | 51.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.87 | No | $24,302.03 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135247 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,671.25 | $26,755.86 | 7.818% | $7,962.68 | $7,962.68 | 7.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $18,318.21 | 1 | [Redacted] | $11,152.68 | [Redacted] | $929.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $16,671.25 | 6.610% | $0.00 | 3.3 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 243.36 | No | $13,193.22 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135248 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,527.50 | $20,661.85 | 8.571% | $13,648.21 | $13,648.21 | 8.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $31,241.09 | 1 | [Redacted] | $2,745.00 | [Redacted] | $228.75 | 34.580% | 34.580% | 34.580% | [Redacted] | 773 | No | Yes | 12 | Business | 70.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $13,527.50 | 6.520% | $0.00 | 4.3 | None | Yes | No | 8.500% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 19.860% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.86 | No | $0.00 | $14,241.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135249 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,570.00 | $1,506.30 | 7.979% | $3,313.47 | $3,313.47 | 7.990% | No | No | Self-Employed | US Citizen | $9,349.03 | 1 | [Redacted] | $1,068.96 | [Redacted] | $89.08 | 42.171% | 42.171% | 42.171% | [Redacted] | 675 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,570.00 | 6.680% | $30,000.00 | 1.8 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 7.600% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135254 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $4,400.22 | 6.927% | $3,052.09 | $3,052.09 | 6.875% | No | No | Employed | US Citizen | $8,897.71 | 1 | [Redacted] | $779.04 | [Redacted] | $64.92 | 37.193% | 37.193% | 37.193% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.680% | $500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 13.600% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135260 | [Redacted] | [Redacted] | N/A | No | No | $2,442.52 | $2,442.52 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,131.00 | [Redacted] | $94.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 699 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135266 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,614.80 | $2,359.73 | 7.446% | $1,353.72 | $1,353.72 | 7.375% | No | No | Employed | US Citizen | $3,594.10 | 1 | [Redacted] | $1,278.96 | [Redacted] | $106.58 | 30.442% | 30.442% | 30.442% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,614.80 | 6.610% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 66.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135267 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,711.25 | $4,997.65 | 7.722% | $1,345.99 | $1,345.99 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $6,724.12 | 1 | [Redacted] | $2,179.20 | [Redacted] | $181.60 | 38.409% | 38.409% | 38.409% | [Redacted] | 716 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,711.25 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.93 | No | $0.00 | $2,556.95 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135269 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,590.00 | $13,104.55 | 7.007% | $13,292.62 | $13,292.62 | 6.990% | No | No | Non-Employment Income | US Citizen | $21,327.31 | 1 | [Redacted] | $12,247.44 | [Redacted] | $1,020.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $2,590.00 | 6.680% | $20,000.00 | 1.2 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 97.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135276 | [Redacted] | [Redacted] | N/A | No | No | $1,855.76 | $1,855.76 | 7.125% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,341.96 | [Redacted] | $111.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 12.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135293 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,174.16 | 7.558% | $2,222.25 | $2,222.25 | 7.375% | No | Yes | Not Employed | Self-Employed | Self-Employed | 2.4 | US Citizen | US Citizen | US Citizen | $58,252.86 | 1 | [Redacted] | $2,217.12 | [Redacted] | $184.76 | 9.677% | 9.677% | 9.677% | [Redacted] | 712 | 724 | 712 | 705 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.610% | $0.00 | 1.6 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.2 | No | No | $64,494.02 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135294 | [Redacted] | [Redacted] | N/A | No | No | $4,335.73 | $4,335.73 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $660.96 | [Redacted] | $55.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | 15.680% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.46 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135623 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,882.39 | $11,840.89 | 8.463% | $2,471.85 | $2,471.85 | 8.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,462.08 | 1 | [Redacted] | $1,308.00 | [Redacted] | $109.00 | 42.206% | 42.206% | 42.206% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,882.39 | 6.530% | $250.00 | 2.4 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 12.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135624 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,550.00 | $11,196.32 | 6.730% | $3,135.06 | $3,135.06 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $5,935.99 | 1 | [Redacted] | $1,058.52 | [Redacted] | $88.21 | 47.231% | 47.231% | 47.231% | [Redacted] | 777 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $6,550.00 | 6.490% | $15,000.00 | 2.5 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 29.440% | No | 12 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.84 | Yes | No | $764.00 | $3,887.92 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135633 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,757.50 | $6,671.55 | 7.275% | $2,246.85 | $2,246.85 | 7.125% | No | No | Non-Employment Income | US Citizen | $4,071.07 | 1 | [Redacted] | $3,848.04 | [Redacted] | $320.67 | 43.099% | 43.099% | 43.099% | [Redacted] | 709 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $3,757.50 | 6.530% | $10,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 498.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135641 | [Redacted] | [Redacted] | N/A | No | No | $1,432.57 | $1,432.57 | 7.250% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 1 | [Redacted] | $1,518.00 | [Redacted] | $126.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 670 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 4.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135677 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $575.00 | 8.848% | $1,883.29 | $1,883.29 | 8.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,886.04 | 1 | [Redacted] | $1,421.04 | [Redacted] | $118.42 | 42.218% | 42.218% | 42.218% | [Redacted] | 737 | No | Yes | 24 | Business | 88.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | 6.640% | $13,442.55 | 2.0 | None | Yes | No | 8.875% | 0 | 1 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.55 | No | $0.00 | $1,029.98 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135680 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,860.91 | $8,461.11 | 9.250% | $2,342.53 | $2,342.53 | 8.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $21,240.13 | 1 | [Redacted] | $1,312.32 | [Redacted] | $109.36 | 12.188% | 12.188% | 12.188% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,860.91 | 6.640% | $5,000.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 18.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 12.61 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136110 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,367.25 | 7.053% | $2,592.06 | $2,592.06 | 6.990% | No | No | Non-Employment Income | US Citizen | $12,081.60 | 1 | [Redacted] | $3,851.64 | [Redacted] | $320.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.610% | $4,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 1 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 238.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136817 | [Redacted] | [Redacted] | N/A | No | No | $1,191.29 | $1,191.29 | 7.250% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $2,251.20 | [Redacted] | $187.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [Redacted] | [Redacted] | 70.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136819 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,190.00 | $34,970.50 | 7.637% | $13,984.29 | $13,984.29 | 7.500% | No | No | Self-Employed | US Citizen | $21,855.08 | 1 | [Redacted] | $11,532.00 | [Redacted] | $961.00 | 49.476% | 49.476% | 49.476% | [Redacted] | 669 | Yes | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $22,190.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | Other | [Redacted] | [Redacted] | 99.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 110.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136822 | [Redacted] | [Redacted] | N/A | No | No | $673.72 | $673.72 | 7.125% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $465.48 | [Redacted] | $38.79 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | 58.820% | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 9.03 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138010 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,214.00 | $6,193.45 | 7.085% | $2,977.55 | $2,977.55 | 6.990% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $11,032.90 | 1 | [Redacted] | $1,485.00 | [Redacted] | $123.75 | 48.473% | 48.473% | 48.473% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,214.00 | 6.530% | $900.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 3 | 2 | No | [Redacted] | [Redacted] | 37.000% | No | 2 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.42 | No | No | $0.00 | $13,650.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138059 | [Redacted] | [Redacted] | N/A | No | No | $1,398.62 | $1,398.62 | 7.375% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,177.68 | [Redacted] | $98.14 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.4 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | [Redacted] | [Redacted] | 9.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 10.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138129 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,992.40 | 7.179% | $4,143.37 | $4,143.37 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $25,292.07 | 1 | [Redacted] | $2,560.20 | [Redacted] | $213.35 | 23.254% | 23.254% | 23.254% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.530% | $0.00 | 2.8 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 596.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138134 | [Redacted] | [Redacted] | N/A | No | No | $1,974.00 | $1,974.00 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,645.76 | [Redacted] | $220.48 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.3 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138606 | [Redacted] | [Redacted] | N/A | No | No | $2,088.53 | $2,088.53 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $4,131.00 | [Redacted] | $344.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.4 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139037 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $443.60 | 9.645% | $9,609.13 | $9,609.13 | 9.625% | No | No | Employed | US Citizen | $13,475.23 | 1 | [Redacted] | $4,521.96 | [Redacted] | $376.83 | 47.780% | 47.780% | 47.780% | [Redacted] | 679 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.200% | $16,520.00 | 1.5 | None | Yes | No | 9.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 23.700% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139039 | [Redacted] | [Redacted] | N/A | No | No | $2,166.00 | $7,758.53 | 7.318% | $2,290.64 | $2,290.64 | 7.125% | No | No | Employed | US Citizen | $15,172.28 | 1 | [Redacted] | $515.04 | [Redacted] | $42.92 | 34.632% | 34.632% | 34.632% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,166.00 | 6.490% | $750.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 2 | 2 | 0 | 1 | 0 | 0.00 | No | [Redacted] | [Redacted] | 43.260% | No | 18 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.26 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139040 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,295.00 | $3,385.17 | 7.324% | $1,970.13 | $1,970.13 | 7.250% | No | No | Employed | US Citizen | $10,836.57 | 1 | [Redacted] | $1,440.00 | [Redacted] | $120.00 | 21.663% | 21.663% | 21.663% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,295.00 | 6.640% | $0.00 | 1.4 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139041 | [Redacted] | [Redacted] | N/A | No | No | $5,147.50 | $6,179.28 | 7.410% | $1,516.15 | $1,516.15 | 6.875% | No | No | Self-Employed | US Citizen | $3,559.67 | 1 | [Redacted] | $1,310.76 | [Redacted] | $109.23 | 46.646% | 46.646% | 46.646% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,147.50 | 6.200% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 40.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.86 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139042 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,044.14 | 7.217% | $2,054.84 | $2,054.84 | 7.125% | No | No | Non-Employment Income | US Citizen | $3,832.12 | 1 | [Redacted] | $609.96 | [Redacted] | $50.83 | 41.462% | 41.462% | 41.462% | [Redacted] | 790 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.610% | $6,000.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 218.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139048 | [Redacted] | [Redacted] | N/A | No | No | $1,254.34 | $1,254.34 | 6.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $876.96 | [Redacted] | $73.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 474.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139049 | [Redacted] | [Redacted] | N/A | No | No | $2,526.82 | $2,526.82 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $3,288.00 | [Redacted] | $274.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 698 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.7 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139050 | [Redacted] | [Redacted] | N/A | No | No | $865.28 | $865.28 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,176.00 | [Redacted] | $98.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139150 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,404.55 | $518.09 | 9.686% | $1,904.83 | $1,904.83 | 9.625% | No | No | Self-Employed | US Citizen | $3,747.28 | 1 | [Redacted] | $1,316.16 | [Redacted] | $109.68 | 42.770% | 42.770% | 42.770% | [Redacted] | 704 | No | Yes | 24 | Personal, Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,404.55 | 6.490% | $30,790.00 | 3.0 | None | No | No | 9.625% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 10.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139933 | [Redacted] | [Redacted] | N/A | No | No | $1,374.43 | $1,374.43 | 8.500% | No | No | US Citizen | 2 | [Redacted] | $1,313.16 | [Redacted] | $109.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 645 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226141115 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,445.00 | $12,625.58 | 8.806% | $4,550.07 | $4,550.07 | 8.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $25,432.46 | 1 | [Redacted] | $1,578.96 | [Redacted] | $131.58 | 25.778% | 25.778% | 25.778% | [Redacted] | 731 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,445.00 | 6.610% | $0.00 | 2.8 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226141930 | [Redacted] | [Redacted] | N/A | No | No | $2,658.52 | $2,658.52 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $1,824.00 | [Redacted] | $152.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | 67.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142362 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,457.30 | $6,854.44 | 7.070% | $1,258.28 | $1,258.28 | 6.750% | No | No | Self-Employed | US Citizen | $2,221.73 | 1 | [Redacted] | $2,034.00 | [Redacted] | $169.50 | 49.808% | 49.808% | 49.808% | [Redacted] | 750 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2026 [Borrower - | Non-Primary Income - Child Support]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,457.30 | 6.490% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 2 | 0 | 2 | 2 | 6.60 | No | [Redacted] | [Redacted] | 71.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142641 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,788.00 | $6,260.30 | 7.373% | $2,721.88 | $2,721.88 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,792.33 | 1 | [Redacted] | $3,618.96 | [Redacted] | $301.58 | 28.096% | 28.096% | 28.096% | [Redacted] | 755 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [Redacted] | $4,788.00 | 6.530% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | [Redacted] | 45.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142714 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,008.75 | $6,976.30 | 6.971% | $3,177.89 | $3,177.89 | 6.875% | No | No | Self-Employed | US Citizen | $11,676.00 | 1 | [Redacted] | $3,423.00 | [Redacted] | $285.25 | 42.149% | 42.149% | 42.149% | [Redacted] | 788 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,008.75 | 6.490% | $8,500.00 | 2.6 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 34.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143254 | [Redacted] | [Redacted] | Non QM | Yes | No | $27,046.94 | $23,339.39 | 6.929% | $4,394.13 | $4,394.13 | 6.625% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $11,334.46 | 1 | [Redacted] | $1,236.00 | [Redacted] | $103.00 | 35.189% | 35.189% | 35.189% | [Redacted] | 718 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2023 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $27,046.94 | 6.490% | $19,000.00 | 1.0 | None | No | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 32.690% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.55 | Yes | No | $2,772.12 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143260 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $4,835.56 | 6.911% | $4,368.58 | $4,368.58 | 6.875% | No | No | Non-Employment Income | US Citizen | $22,050.60 | 1 | [Redacted] | $630.96 | [Redacted] | $52.58 | 21.856% | 21.856% | 21.856% | [Redacted] | 810 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.490% | $1,000.00 | 2.3 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 393.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143270 | [Redacted] | [Redacted] | N/A | No | No | $897.75 | $897.75 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $998.16 | [Redacted] | $83.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.9 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.34 | No | $0.00 | $0.00 | No | No | No | No | 7 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143594 | [Redacted] | [Redacted] | N/A | No | No | $1,182.85 | $1,182.85 | 10.250% | No | No | US Citizen | 3 | [Redacted] | $2,232.00 | [Redacted] | $186.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 10.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143595 | [Redacted] | [Redacted] | N/A | No | No | $51,615.63 | $24,688.30 | 7.644% | $4,041.89 | $4,041.89 | 7.250% | No | No | Employed | US Citizen | $21,456.17 | 1 | [Redacted] | $974.04 | [Redacted] | $81.17 | 24.608% | 24.608% | 24.608% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $51,615.63 | 6.640% | $22,149.52 | 3.7 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 203.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143942 | [Redacted] | [Redacted] | N/A | No | No | $7,243.96 | $7,243.96 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $3,743.88 | [Redacted] | $311.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143959 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,579.43 | 7.416% | $3,812.53 | $3,812.53 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $14,346.62 | 1 | [Redacted] | $2,879.04 | [Redacted] | $239.92 | 28.162% | 28.162% | 28.162% | [Redacted] | 739 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 25.880% | No | 30 | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.36 | No | $0.00 | $7,165.67 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144719 | [Redacted] | [Redacted] | N/A | No | No | $19,173.00 | $8,706.70 | 7.069% | $1,582.58 | $1,582.58 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $7,032.05 | 1 | [Redacted] | $1,803.00 | [Redacted] | $150.25 | 45.648% | 45.648% | 45.648% | [Redacted] | 742 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $19,173.00 | 6.680% | $7,000.00 | 1.9 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 15.71 | Yes | No | $6,468.95 | $0.00 | No | No | No | No | 3 | 360 | A | 08/10/2027 | $347,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145003 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,462.18 | 7.697% | $2,281.79 | $2,281.79 | 7.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,444.35 | 1 | [Redacted] | $3,947.04 | [Redacted] | $328.92 | 36.946% | 36.946% | 36.946% | [Redacted] | 720 | No | Yes | 12 | Business | 83.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,990.00 | 6.530% | $2,868.12 | 1.4 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 22.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145004 | [Redacted] | [Redacted] | N/A | No | No | $922.18 | $922.18 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,173.00 | [Redacted] | $97.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 687 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | 46.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145045 | [Redacted] | [Redacted] | N/A | No | No | $769.72 | $769.72 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $1,137.00 | [Redacted] | $94.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145066 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,245.00 | $6,648.45 | 7.081% | $3,396.26 | $3,396.26 | 6.990% | No | No | Self-Employed | US Citizen | $8,413.60 | 1 | [Redacted] | $3,825.00 | [Redacted] | $318.75 | 54.780% | 54.780% | 54.780% | [Redacted] | 783 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,245.00 | 6.680% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 1 | 0 | 2 | 1 | 17.97 | No | [Redacted] | [Redacted] | 38.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145219 | [Redacted] | [Redacted] | N/A | No | No | $1,180.45 | $1,180.45 | 6.750% | No | No | Permanent Resident Alien | 2 | [Redacted] | $2,320.68 | [Redacted] | $193.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [Redacted] | [Redacted] | 40.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145335 | [Redacted] | [Redacted] | N/A | No | No | $1,769.58 | $1,769.58 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,054.20 | [Redacted] | $87.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [Redacted] | [Redacted] | 35.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | VE | $47,012,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145384 | [Redacted] | [Redacted] | N/A | No | No | $1,180.45 | $1,180.45 | 6.750% | No | No | Permanent Resident Alien | 2 | [Redacted] | $2,320.68 | [Redacted] | $193.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.57 | [Redacted] | [Redacted] | 77.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145606 | [Redacted] | [Redacted] | N/A | No | No | $797.01 | $797.01 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $485.04 | [Redacted] | $40.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.1 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | 77.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145638 | [Redacted] | [Redacted] | N/A | No | No | $46,662.60 | $6,235.26 | 7.281% | $6,391.99 | $6,391.99 | 7.250% | No | No | Not Employed | Employed | Non-Permanent Resident Alien | United States of America | $12,011.41 | 2 | [Redacted] | $2,652.00 | [Redacted] | $221.00 | 42.345% | 42.345% | 42.345% | [Redacted] | 751 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $46,662.60 | 6.640% | $0.00 | None | No | No | 7.250% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [Redacted] | [Redacted] | No | 1 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | No | 9.68 | No | No | $0.00 | $20,833.32 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147854 | [Redacted] | [Redacted] | N/A | No | No | $831.04 | $831.04 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,269.00 | [Redacted] | $105.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [Redacted] | [Redacted] | 1.030% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148745 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,545.85 | 7.014% | $6,898.87 | $6,898.87 | 6.990% | No | No | Self-Employed | US Citizen | $27,302.33 | 1 | [Redacted] | $3,551.04 | [Redacted] | $295.92 | 37.824% | 37.824% | 37.824% | [Redacted] | 797 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.680% | $85,000.00 | 3.3 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 3.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.01 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148818 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,865.00 | $2,827.30 | 7.663% | $1,048.82 | $1,048.82 | 7.500% | No | No | Non-Employment Income | US Citizen | $11,924.03 | 1 | [Redacted] | $558.96 | [Redacted] | $46.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | [Redacted] | 0 | 0 | 0 | [Redacted] | $1,865.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 424.87 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148819 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,690.00 | $18,631.30 | 7.169% | $5,981.68 | $5,981.68 | 6.990% | No | No | Self-Employed | US Citizen | $437,988.10 | 1 | [Redacted] | $14,232.36 | [Redacted] | $1,186.03 | 3.341% | 3.341% | 3.341% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $15,690.00 | 6.610% | $0.00 | 2.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 26.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148823 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,190.00 | $16,171.50 | 7.631% | $6,712.46 | $6,712.46 | 7.500% | No | No | Non-Employment Income | US Citizen | $16,494.03 | 1 | [Redacted] | $2,093.52 | [Redacted] | $174.46 | 40.309% | 40.309% | 40.309% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2020 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2020 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2025 [Borrower - | Non-Primary Income - Note Receivable]; Deposit Receipt - 2019 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Note - 2020 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $11,190.00 | 6.680% | $1,250.00 | 1.0 | None | Yes | No | 7.500% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | 34.380% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/29/2027 | $54,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148862 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,271.25 | $13,252.85 | 8.322% | $8,827.38 | $8,827.38 | 8.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $13,294.60 | 1 | [Redacted] | $6,825.96 | [Redacted] | $568.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 690 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $7,271.25 | 6.610% | $629,500.00 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 77.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 135.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148865 | [Redacted] | [Redacted] | N/A | No | No | $14,327.00 | $6,135.60 | 7.420% | $1,266.59 | $1,266.59 | 7.125% | No | No | Not Employed | Employed | US Citizen | $5,517.82 | 1 | [Redacted] | $2,322.00 | [Redacted] | $193.50 | 46.320% | 46.320% | 46.320% | [Redacted] | 699 | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $14,327.00 | 6.640% | $0.00 | 1.6 | None | No | No | 7.125% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [Redacted] | [Redacted] | 52.870% | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.79 | No | No | $0.00 | $10,279.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148872 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,912.00 | $8,306.74 | 7.230% | $3,934.52 | $3,934.52 | 7.125% | No | No | Self-Employed | US Citizen | $7,637.52 | 1 | [Redacted] | $1,140.72 | [Redacted] | $95.06 | 43.815% | 43.815% | 43.815% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 38.600% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 38.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,912.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 23.240% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148878 | [Redacted] | [Redacted] | N/A | No | No | $1,063.41 | $1,063.41 | 6.990% | No | No | Non-Permanent Resident Alien | 2 | [Redacted] | $4,736.76 | [Redacted] | $394.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.01 | 0.49 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148881 | [Redacted] | [Redacted] | N/A | No | No | $712.15 | $712.15 | 7.375% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $905.04 | [Redacted] | $75.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 244.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152899 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $4,449.83 | 7.348% | $3,061.62 | $4,278.17 | 7.637% | No | Yes | Not Employed | Employed | Employed | 3.27 | US Citizen | US Citizen | US Citizen | $27,911.69 | 1 | [Redacted] | $764.04 | [Redacted] | $63.67 | 41.028% | 38.458% | 41.028% | [Redacted] | 757 | 755 | 757 | 761 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,495.00 | 6.200% | $0.00 | 2.0 | None | Yes | No | 7.637% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 85.930% | No | 15 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.48 | Yes | No | $0.00 | $47,330.68 | No | No | No | No | 3 | 240 | AE | 11/25/2026 | $2,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153085 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,415.00 | $7,316.95 | 6.853% | $1,169.33 | $1,169.33 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $3,069.78 | 1 | [Redacted] | $1,425.96 | [Redacted] | $118.83 | 31.988% | 31.988% | 31.988% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,415.00 | 6.610% | $0.00 | 1.6 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 59.81 | No | $4,513.57 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153087 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,634.00 | $22,948.84 | 7.311% | $4,410.49 | $4,410.49 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $60,941.04 | 1 | [Redacted] | $1,076.40 | [Redacted] | $89.70 | 13.289% | 13.289% | 13.289% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $20,634.00 | 6.610% | $10,500.00 | 1.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 23.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 10.59 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153090 | [Redacted] | [Redacted] | N/A | No | No | $2,511.69 | $3,951.63 | 6.982% | $1,896.39 | $1,896.39 | 6.875% | No | No | Employed | US Citizen | $12,239.62 | 1 | [Redacted] | $765.96 | [Redacted] | $63.83 | 41.616% | 41.616% | 41.616% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,511.69 | 6.610% | $7,698.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.875% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 327.25 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226154277 | [Redacted] | [Redacted] | N/A | No | No | $13,813.50 | $13,813.50 | 7.375% | No | No | 0 | US Citizen | Not Provided | 3 | [Redacted] | $8,960.04 | [Redacted] | $746.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.69 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155075 | [Redacted] | [Redacted] | N/A | No | No | $124,990.00 | $13,563.20 | 7.392% | $16,990.61 | $16,990.61 | 7.375% | No | No | Self-Employed | US Citizen | $91,862.16 | 1 | [Redacted] | $6,075.96 | [Redacted] | $506.33 | 43.134% | 43.134% | 43.134% | [Redacted] | 701 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1995 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1995 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $124,990.00 | 6.640% | $0.00 | 3.6 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155813 | [Redacted] | [Redacted] | N/A | No | No | $1,501.21 | $1,501.21 | 6.625% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,956.00 | [Redacted] | $163.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | 745 | 750 | 765 | 806 | 817 | 791 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1793.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155845 | [Redacted] | [Redacted] | Non QM | Yes | No | $68,233.75 | $90,956.88 | 7.532% | $19,953.66 | $19,953.66 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $261,892.26 | 1 | [Redacted] | $12,509.04 | [Redacted] | $1,042.42 | 22.602% | 22.602% | 22.602% | [Redacted] | 716 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $68,233.75 | 6.530% | $0.00 | 2.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 41.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.42 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155855 | [Redacted] | [Redacted] | N/A | No | No | $1,202.03 | $1,202.03 | 8.250% | No | No | US Citizen | 1 | [Redacted] | $2,294.04 | [Redacted] | $191.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.9 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155894 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,880.00 | $10,979.10 | 7.263% | $2,392.67 | $2,392.67 | 6.990% | No | No | Employed | US Citizen | $6,732.22 | 1 | [Redacted] | $632.04 | [Redacted] | $52.67 | 37.705% | 37.705% | 37.705% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,880.00 | 6.610% | $0.00 | 3.8 | None | No | No | 6.990% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 46.260% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.29 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155979 | [Redacted] | [Redacted] | N/A | No | No | $806.71 | $806.71 | 7.250% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,298.04 | [Redacted] | $108.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.11 | 0.47 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 281.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156196 | [Redacted] | [Redacted] | N/A | No | No | $5,255.00 | $6,801.24 | 7.989% | $1,375.00 | $1,824.66 | 7.887% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $85,547.53 | 1 | [Redacted] | $1,737.00 | [Redacted] | $144.75 | 13.854% | 13.770% | 13.854% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,255.00 | 6.300% | $0.00 | 1.0 | None | No | No | 7.887% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [Redacted] | [Redacted] | 85.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 200.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156200 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,585.22 | 6.524% | $5,056.54 | $5,056.54 | 6.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,133.70 | 1 | [Redacted] | $3,410.04 | [Redacted] | $284.17 | 39.037% | 39.037% | 39.037% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.530% | $0.00 | 3.7 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 91.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 160.49 | No | No | $21,434.17 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156646 | [Redacted] | [Redacted] | N/A | No | No | $1,266.12 | $1,266.12 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,713.20 | [Redacted] | $226.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | 36.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157496 | [Redacted] | [Redacted] | Non QM | Yes | No | $138.13 | $309.57 | 7.480% | $1,931.58 | $1,931.58 | 7.500% | No | No | Self-Employed | US Citizen | $4,631.54 | 1 | [Redacted] | $1,793.04 | [Redacted] | $149.42 | 35.586% | 35.586% | 35.586% | [Redacted] | 801 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $138.13 | 6.720% | $9,114.06 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 10.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157558 | [Redacted] | [Redacted] | N/A | No | No | $1,060.75 | $1,060.75 | 6.990% | No | No | 0 | Foreign National | Foreign National | 2 | [Redacted] | $1,365.00 | [Redacted] | $113.75 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [Redacted] | [Redacted] | 2.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 10.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157561 | [Redacted] | [Redacted] | N/A | No | No | $1,089.99 | $1,089.99 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $576.36 | [Redacted] | $48.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [Redacted] | [Redacted] | 59.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157642 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,261.50 | $4,598.90 | 8.824% | $3,596.79 | $3,596.79 | 8.750% | No | No | Self-Employed | US Citizen | $25,455.40 | 1 | [Redacted] | $1,574.04 | [Redacted] | $131.17 | 16.690% | 16.690% | 16.690% | [Redacted] | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $2,261.50 | 6.490% | $0.00 | 2.6 | None | No | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 19.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157665 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,180.04 | 7.815% | $2,256.70 | $2,256.70 | 7.750% | No | No | Not Employed | Not Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $44,230.03 | 1 | [Redacted] | $2,224.68 | [Redacted] | $185.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 688 | 688 | 690 | 688 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.490% | $0.00 | 3.2 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 216.74 | No | No | $93,411.84 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226158793 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,635.15 | 7.069% | $2,306.27 | $2,306.27 | 6.990% | No | No | Self-Employed | US Citizen | $4,620.36 | 1 | [Redacted] | $4,320.96 | [Redacted] | $360.08 | 41.197% | 41.197% | 41.197% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226158798 | [Redacted] | [Redacted] | N/A | No | No | $9,374.00 | $10,897.86 | 8.462% | $3,606.08 | $3,606.08 | 8.250% | No | No | Self-Employed | US Citizen | $31,199.47 | 2 | [Redacted] | $2,378.04 | [Redacted] | $198.17 | 12.749% | 12.749% | 12.749% | [Redacted] | 810 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,374.00 | 6.490% | $0.00 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226160256 | [Redacted] | [Redacted] | N/A | No | No | $1,773.71 | $1,773.71 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,173.00 | [Redacted] | $97.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [Redacted] | [Redacted] | 96.040% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 95.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162505 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,490.00 | $4,845.77 | 7.971% | $699.21 | $699.21 | 7.500% | No | No | Employed | US Citizen | $4,535.28 | 1 | [Redacted] | $348.96 | [Redacted] | $29.08 | 28.506% | 28.506% | 28.506% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,490.00 | 6.680% | $0.00 | 1.0 | None | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 78.500% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164281 | [Redacted] | [Redacted] | N/A | No | No | $11,525.00 | $3,810.80 | 7.687% | $1,258.59 | $1,258.59 | 7.500% | No | No | Self-Employed | US Citizen | $4,861.15 | 2 | [Redacted] | $1,218.24 | [Redacted] | $101.52 | 47.180% | 47.180% | 47.180% | [Redacted] | 781 | No | Yes | 12 | Personal | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,525.00 | 6.610% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 62.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164292 | [Redacted] | [Redacted] | N/A | No | No | $707.79 | $707.79 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $879.96 | [Redacted] | $73.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [Redacted] | [Redacted] | 34.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164294 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,190.00 | $11,192.34 | 7.413% | $4,093.06 | $4,093.06 | 7.250% | No | No | Non-Employment Income | US Citizen | $9,466.69 | 1 | [Redacted] | $1,701.96 | [Redacted] | $141.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $3,190.00 | 6.610% | $0.00 | 5.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 507.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164440 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,802.27 | $13,766.77 | 9.075% | $5,116.01 | $5,116.01 | 8.875% | No | No | Self-Employed | US Citizen | $55,551.99 | 1 | [Redacted] | $2,187.96 | [Redacted] | $182.33 | 19.691% | 19.691% | 19.691% | [Redacted] | 682 | No | Yes | 24 | Business | 100.000% | 98.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,802.27 | 6.680% | $7,000.00 | 1.0 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 23.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166025 | [Redacted] | [Redacted] | N/A | No | No | $1,833.00 | $1,833.00 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [Redacted] | $933.48 | [Redacted] | $77.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | 781 | 812 | 766 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.1 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166028 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,056.25 | $7,214.83 | 7.470% | $4,040.45 | $4,040.45 | 7.375% | No | No | Self-Employed | US Citizen | $11,792.42 | 1 | [Redacted] | $1,263.96 | [Redacted] | $105.33 | 34.149% | 34.149% | 34.149% | [Redacted] | 770 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,056.25 | 6.720% | $15,500.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [Redacted] | [Redacted] | 6.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166034 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,855.00 | $6,937.56 | 7.259% | $2,775.72 | $2,775.72 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,017.29 | 1 | [Redacted] | $2,439.00 | [Redacted] | $203.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $13,855.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 250.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166268 | [Redacted] | [Redacted] | N/A | No | Yes | $1,790.00 | $6,278.70 | 7.111% | $2,818.04 | $2,818.04 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $14,465.81 | 1 | [Redacted] | $2,877.84 | [Redacted] | $239.82 | 35.641% | 35.641% | 35.641% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.610% | $0.00 | 3.4 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 516.64 | No | No | $18,326.72 | $0.00 | No | No | No | No | 2 | 360 | AE | 12/30/2026 | $29,660,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226167121 | [Redacted] | [Redacted] | N/A | No | No | $1,490.00 | $10,839.25 | 7.009% | $2,438.73 | $2,438.73 | 6.750% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | US Citizen | Australia | $25,583.98 | 1 | [Redacted] | $1,962.00 | [Redacted] | $163.50 | 28.872% | 28.872% | 28.872% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.610% | $9,400.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 134.97 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226167126 | [Redacted] | [Redacted] | N/A | No | No | $1,247.40 | $1,247.40 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,567.04 | [Redacted] | $213.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 32.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226168113 | [Redacted] | [Redacted] | N/A | No | No | $707.79 | $707.79 | 7.625% | No | No | Permanent Resident Alien | 1 | [Redacted] | $882.96 | [Redacted] | $73.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226169271 | [Redacted] | [Redacted] | N/A | No | No | $5,188.78 | $5,188.78 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $3,123.84 | [Redacted] | $260.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redacted] | [Redacted] | 87.240% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 75.44 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226170710 | [Redacted] | [Redacted] | N/A | No | No | $1,202.65 | $1,202.65 | 7.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $2,304.96 | [Redacted] | $192.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | 780 | 806 | 777 | 733 | 766 | 721 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 373.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226173130 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,804.00 | $2,431.49 | 7.710% | $971.44 | $971.44 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,575.56 | 1 | [Redacted] | $2,337.96 | [Redacted] | $194.83 | 43.548% | 43.548% | 43.548% | [Redacted] | 695 | No | Yes | 24 | Business | 39.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,804.00 | 5.980% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.7 | No | $0.00 | $4,959.20 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226173190 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,928.61 | $19,823.69 | 8.962% | $3,356.31 | $3,356.31 | 8.500% | No | No | Self-Employed | US Citizen | $12,011.72 | 1 | [Redacted] | $1,393.32 | [Redacted] | $116.11 | 27.833% | 27.833% | 27.833% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,928.61 | 6.640% | $5,000.00 | 2.2 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 5.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226173965 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,495.00 | $5,037.78 | 7.062% | $3,489.31 | $3,489.31 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $15,535.28 | 1 | [Redacted] | $2,262.96 | [Redacted] | $188.58 | 23.694% | 23.694% | 23.694% | [Redacted] | 804 | No | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $2,495.00 | 6.720% | $0.00 | 2.1 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 819.29 | No | No | $7,820.40 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226178972 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,533.00 | $7,144.14 | 7.310% | $5,866.72 | $5,866.72 | 7.250% | No | No | Non-Employment Income | US Citizen | $12,078.93 | 1 | [Redacted] | $2,790.00 | [Redacted] | $232.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $1,533.00 | 6.680% | $0.00 | 1.4 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 152.15 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226178975 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $3,317.56 | 7.065% | $2,243.13 | $2,243.13 | 6.990% | No | No | Self-Employed | US Citizen | $16,947.77 | 1 | [Redacted] | $1,275.00 | [Redacted] | $106.25 | 30.309% | 30.309% | 30.309% | [Redacted] | 754 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.610% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 1 | 2 | 0 | 2 | 2 | 5.97 | No | [Redacted] | [Redacted] | 55.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.24 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226178983 | [Redacted] | [Redacted] | N/A | No | No | $2,853.11 | $2,853.11 | 7.750% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $1,301.04 | [Redacted] | $108.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | 774 | 773 | 775 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179091 | [Redacted] | [Redacted] | N/A | No | No | $39,681.25 | $12,106.80 | 8.174% | $4,361.75 | $4,361.75 | 7.990% | No | No | Employed | US Citizen | $8,742.56 | 1 | [Redacted] | $5,739.00 | [Redacted] | $478.25 | 43.154% | 43.154% | 43.154% | [Redacted] | 660 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $39,681.25 | 6.720% | $0.00 | 3.7 | None | No | No | 7.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 49.19 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179096 | [Redacted] | [Redacted] | N/A | No | No | $26,307.00 | $6,422.96 | 7.120% | $2,791.45 | $2,791.45 | 6.990% | No | No | Employed | US Citizen | $19,357.17 | 1 | [Redacted] | $803.52 | [Redacted] | $66.96 | 22.364% | 22.364% | 22.364% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $26,307.00 | 6.610% | $1,500.00 | 2.7 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 76.390% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179104 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,600.00 | $21,102.67 | 8.861% | $4,575.04 | $4,575.04 | 8.500% | No | No | Self-Employed | US Citizen | $15,135.21 | 3 | [Redacted] | $7,274.04 | [Redacted] | $606.17 | 34.556% | 34.556% | 34.556% | [Redacted] | 668 | No | Yes | 12 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $18,600.00 | 6.640% | $0.00 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.06 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179106 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,955.92 | 7.807% | $2,213.62 | $2,265.64 | 7.866% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $37,994.67 | 1 | [Redacted] | $3,218.04 | [Redacted] | $268.17 | 27.312% | 27.213% | 27.312% | [Redacted] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,590.00 | 6.200% | $0.00 | 4.1 | None | Yes | No | 7.866% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179432 | [Redacted] | [Redacted] | N/A | No | No | $23,274.00 | $4,624.48 | 6.936% | $2,433.50 | $2,433.50 | 5.750% | No | No | Employed | US Citizen | $9,313.79 | 1 | [Redacted] | $1,820.04 | [Redacted] | $151.67 | 19.038% | 23.283% | 23.543% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $23,274.00 | 6.230% | $0.00 | 4.2 | None | No | No | 5.750% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | [Redacted] | [Redacted] | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.82 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226180614 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,282.71 | $2,671.16 | 9.975% | $1,899.08 | $1,899.08 | 9.875% | No | No | Self-Employed | US Citizen | $6,171.57 | 1 | [Redacted] | $1,019.04 | [Redacted] | $84.92 | 42.799% | 42.799% | 42.799% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,282.71 | 6.490% | $10,000.00 | 1.5 | None | Yes | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 0.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226182395 | [Redacted] | [Redacted] | N/A | No | No | $1,565.00 | $2,904.74 | 7.239% | $2,789.96 | $2,789.96 | 7.125% | No | No | Employed | US Citizen | $18,037.16 | 1 | [Redacted] | $1,845.00 | [Redacted] | $153.75 | 32.369% | 32.369% | 32.369% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,565.00 | 5.980% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 30.920% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.7 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226182654 | [Redacted] | [Redacted] | N/A | No | No | $1,235.80 | $1,235.80 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,383.56 | [Redacted] | $198.63 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | 52.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183353 | [Redacted] | [Redacted] | N/A | No | No | $1,530.69 | $1,530.69 | 6.750% | No | No | US Citizen | N/A | 1 | [Redacted] | $891.00 | [Redacted] | $74.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [Redacted] | [Redacted] | 38.820% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184950 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,820.58 | $6,002.44 | 7.297% | $2,109.13 | $2,109.13 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,038.22 | 1 | [Redacted] | $843.00 | [Redacted] | $70.25 | 38.261% | 38.261% | 38.261% | [Redacted] | 816 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,820.58 | 6.530% | $10,000.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 28.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.27 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184956 | [Redacted] | [Redacted] | N/A | No | No | $1,185.71 | $1,185.71 | 8.375% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $216.96 | [Redacted] | $18.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | 746 | 742 | 774 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [Redacted] | [Redacted] | 51.110% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184958 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,300.00 | $5,824.64 | 7.062% | $1,839.40 | $1,839.40 | 6.875% | No | No | Self-Employed | US Citizen | $4,957.96 | 1 | [Redacted] | $1,110.72 | [Redacted] | $92.56 | 36.048% | 36.048% | 36.048% | [Redacted] | 816 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,300.00 | 6.490% | $0.00 | 1.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 80.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 69.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184963 | [Redacted] | [Redacted] | N/A | No | No | $2,071.51 | $2,071.51 | 7.375% | No | No | 0 | Foreign National | 1 | [Redacted] | $2,171.04 | [Redacted] | $180.92 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [Redacted] | [Redacted] | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | 55.61 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184976 | [Redacted] | [Redacted] | N/A | No | No | $1,111.52 | $1,111.52 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $2,082.00 | [Redacted] | $173.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [Redacted] | [Redacted] | Yes | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184993 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $346.16 | 6.971% | $3,655.47 | $3,655.47 | 6.990% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $8,815.05 | 1 | [Redacted] | $1,541.04 | [Redacted] | $128.42 | 38.529% | 38.529% | 38.529% | [Redacted] | 796 | No | Yes | 12 | Personal | 50.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,790.00 | 6.640% | $15,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 18.430% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.11 | No | $7,153.91 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185270 | [Redacted] | [Redacted] | N/A | No | No | $7,614.74 | $7,614.74 | 7.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $4,494.48 | [Redacted] | $374.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.42 | [Redacted] | [Redacted] | 21.730% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185345 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,010.50 | $3,846.12 | 8.031% | $1,602.40 | $1,602.40 | 7.875% | No | No | Self-Employed | US Citizen | $5,901.75 | 1 | [Redacted] | $2,682.00 | [Redacted] | $223.50 | 33.713% | 33.713% | 33.713% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,010.50 | 6.720% | $10,000.00 | 4.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 77.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/17/2027 | $221,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185666 | [Redacted] | [Redacted] | N/A | No | No | $1,567.45 | $1,567.45 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $1,875.00 | [Redacted] | $156.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 192.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226186142 | [Redacted] | [Redacted] | N/A | No | No | $8,829.12 | $8,829.12 | 6.875% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $5,789.04 | [Redacted] | $482.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194433 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,157.49 | $9,113.43 | 8.495% | $5,009.56 | $5,009.56 | 8.375% | No | No | Self-Employed | US Citizen | $35,045.12 | 1 | [Redacted] | $3,936.00 | [Redacted] | $328.00 | 25.151% | 25.151% | 25.151% | [Redacted] | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $11,157.49 | 6.640% | $25,000.00 | 3.5 | None | Yes | No | 8.375% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 6.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194502 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,506.86 | $2,170.06 | 7.532% | $2,692.33 | $2,692.33 | 7.500% | No | No | Self-Employed | US Citizen | $7,154.41 | 1 | [Redacted] | $2,498.16 | [Redacted] | $208.18 | 35.099% | 35.099% | 35.099% | [Redacted] | 730 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,506.86 | 6.640% | $18,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 20.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194602 | [Redacted] | [Redacted] | N/A | No | No | $1,227.92 | $1,227.92 | 7.250% | No | No | 0 | 0 | Not Provided | US Citizen | US Citizen | 3 | [Redacted] | $1,602.96 | [Redacted] | $133.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | 756 | 765 | 763 | 643 | 662 | 662 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194603 | [Redacted] | [Redacted] | N/A | No | No | $3,196.29 | $3,196.29 | 6.750% | No | No | Permanent Resident Alien | 4 | [Redacted] | $2,178.96 | [Redacted] | $181.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [Redacted] | [Redacted] | 20.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194605 | [Redacted] | [Redacted] | N/A | No | No | $2,515.77 | $2,515.77 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $492.48 | [Redacted] | $41.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 677 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 74.100% | No | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194606 | [Redacted] | [Redacted] | N/A | No | No | $985.39 | $985.39 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,901.64 | [Redacted] | $158.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.5 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.88 | 0.52 | [Redacted] | [Redacted] | 44.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194608 | [Redacted] | [Redacted] | N/A | No | No | $2,330.73 | $2,330.73 | 6.625% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,241.04 | [Redacted] | $103.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [Redacted] | [Redacted] | 37.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 12.35 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194610 | [Redacted] | [Redacted] | N/A | No | No | $1,337.25 | $1,337.25 | 7.500% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,691.88 | [Redacted] | $140.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194612 | [Redacted] | [Redacted] | N/A | No | No | $20,387.50 | $20,387.50 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,894.00 | [Redacted] | $324.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 4.2 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 240 | [Redacted] | [Redacted] | 1.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194616 | [Redacted] | [Redacted] | N/A | No | No | $1,871.61 | $1,871.61 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $639.96 | [Redacted] | $53.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.4 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194617 | [Redacted] | [Redacted] | N/A | No | No | $1,138.58 | $1,138.58 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,869.12 | [Redacted] | $155.76 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194630 | [Redacted] | [Redacted] | N/A | No | No | $83,990.00 | $14,211.16 | 7.063% | $9,969.47 | $9,969.47 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $32,505.99 | 3 | [Redacted] | $2,332.56 | [Redacted] | $194.38 | 36.548% | 36.548% | 36.548% | [Redacted] | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $83,990.00 | 6.720% | $0.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.4 | No | No | $51,229.21 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194631 | [Redacted] | [Redacted] | N/A | No | No | $1,400.97 | $1,400.97 | 6.750% | No | No | 0 | 0 | Permanent Resident Alien | 1 | [Redacted] | $1,034.88 | [Redacted] | $86.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.2 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Trust | Business Entity | Trust | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194632 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,418.60 | $7,717.91 | 7.307% | $2,581.70 | $2,581.70 | 7.125% | No | No | Self-Employed | US Citizen | $4,883.50 | 1 | [Redacted] | $2,309.28 | [Redacted] | $192.44 | 47.592% | 47.592% | 47.592% | [Redacted] | 730 | No | Yes | 24 | Personal | 77.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2025 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,418.60 | 6.640% | $0.00 | 1.6 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 64.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194633 | [Redacted] | [Redacted] | N/A | No | No | $1,363.82 | $1,363.82 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $990.00 | [Redacted] | $82.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [Redacted] | [Redacted] | 9.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194635 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $12,959.31 | 6.763% | $5,332.19 | $5,332.19 | 6.625% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $16,400.60 | 1 | [Redacted] | $1,494.00 | [Redacted] | $124.50 | 41.512% | 41.512% | 41.512% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.610% | $5,000.00 | 2.5 | LP / LPA | Accept/Eligible | No | No | 6.625% | 0 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 98.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 139.5 | Yes | No | $13,880.75 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194650 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,923.75 | $4,766.36 | 7.384% | $2,200.02 | $2,200.02 | 7.250% | No | No | Non-Employment Income | US Citizen | $9,395.52 | 1 | [Redacted] | $4,506.36 | [Redacted] | $375.53 | 33.647% | 33.647% | 33.647% | [Redacted] | 767 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $2,923.75 | 6.710% | $0.00 | 3.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 450.78 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194657 | [Redacted] | [Redacted] | N/A | No | No | $2,578.63 | $2,578.63 | 7.250% | No | No | Foreign National | 1 | [Redacted] | $1,058.16 | [Redacted] | $88.18 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 7.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194877 | [Redacted] | [Redacted] | N/A | No | No | $1,253.12 | $1,253.12 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,385.60 | [Redacted] | $198.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [Redacted] | [Redacted] | 48.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196293 | [Redacted] | [Redacted] | N/A | No | No | $1,047.53 | $1,047.53 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $2,760.00 | [Redacted] | $230.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.4 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | 30.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.4 | Yes | 18.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196787 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,768.00 | $19,501.00 | 7.305% | $3,982.47 | $3,982.47 | 6.990% | No | No | Non-Employment Income | US Citizen | $53,131.57 | 1 | [Redacted] | $2,487.96 | [Redacted] | $207.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [Redacted] | $17,768.00 | 6.640% | $0.00 | 999.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 677.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196797 | [Redacted] | [Redacted] | N/A | No | No | $1,478.80 | $1,478.80 | 6.750% | No | No | 0 | 0 | Permanent Resident Alien | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $1,034.88 | [Redacted] | $86.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 85.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197612 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,675.00 | $10,916.19 | 7.331% | $7,749.52 | $7,749.52 | 7.250% | No | No | Self-Employed | US Citizen | $24,676.12 | 1 | [Redacted] | $6,169.80 | [Redacted] | $514.15 | 34.271% | 34.271% | 34.271% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,675.00 | 6.610% | $10,500.00 | 3.3 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 38.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197619 | [Redacted] | [Redacted] | N/A | No | No | $2,882.28 | $2,882.28 | 6.875% | No | No | Foreign National | 1 | [Redacted] | $1,576.32 | [Redacted] | $131.36 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [Redacted] | [Redacted] | 80.490% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 111.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197629 | [Redacted] | [Redacted] | N/A | No | No | $7,505.15 | $7,505.15 | 8.250% | No | No | US Citizen | 2 | [Redacted] | $2,676.36 | [Redacted] | $223.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | No | No | DSCR | 0 | 2 | 1 | No | [Redacted] | $0.00 | 2.6 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197848 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,934.54 | $18,603.99 | 9.124% | $6,231.89 | $6,231.89 | 8.875% | No | No | Self-Employed | US Citizen | $18,361.14 | 1 | [Redacted] | $3,335.04 | [Redacted] | $277.92 | 30.185% | 30.185% | 30.185% | [Redacted] | 633 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 0 | [Redacted] | $16,934.54 | 6.490% | $0.00 | 2.2 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197949 | [Redacted] | [Redacted] | N/A | No | No | $885.10 | $885.10 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,186.92 | [Redacted] | $98.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197960 | [Redacted] | [Redacted] | N/A | No | No | $820.32 | $820.32 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,552.92 | [Redacted] | $129.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | 775 | 770 | 781 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 3.3 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 338.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198282 | [Redacted] | [Redacted] | N/A | No | No | $9,221.25 | $11,573.99 | 7.368% | $5,627.95 | $5,627.95 | 7.250% | No | No | Self-Employed | US Citizen | $9,960.91 | 1 | [Redacted] | $1,491.00 | [Redacted] | $124.25 | 15.497% | 15.497% | 15.497% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $9,221.25 | 6.720% | $0.00 | 2.2 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198327 | [Redacted] | [Redacted] | N/A | No | No | $1,393.84 | $1,393.84 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,429.28 | [Redacted] | $202.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.2 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [Redacted] | [Redacted] | 57.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198475 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,653.50 | $10,256.10 | 7.234% | $1,072.52 | $1,072.52 | 6.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $2,109.00 | 1 | [Redacted] | $596.04 | [Redacted] | $49.67 | 47.638% | 47.638% | 47.638% | [Redacted] | 751 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $7,653.50 | 6.610% | $0.00 | 3.8 | None | No | No | 6.625% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [Redacted] | [Redacted] | 62.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.76 | No | $2,001.88 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198476 | [Redacted] | [Redacted] | N/A | No | No | $18,641.16 | $8,145.58 | 9.381% | $1,832.90 | $1,832.90 | 8.990% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Philippines | Mexico | $6,187.02 | 1 | [Redacted] | $1,855.08 | [Redacted] | $154.59 | 39.972% | 39.972% | 39.972% | [Redacted] | 719 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $18,641.16 | 6.680% | $2,500.00 | 1.2 | None | Yes | No | 8.990% | 0 | 0 | 1 | 0 | 3 | 1 | 7.07 | No | [Redacted] | [Redacted] | 28.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | 24.21 | No | No | $0.00 | $0.00 | Yes | Yes | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198480 | [Redacted] | [Redacted] | N/A | No | No | $1,390.00 | $2,564.00 | 7.204% | $1,825.78 | $1,825.78 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,041.78 | 1 | [Redacted] | $2,492.40 | [Redacted] | $207.70 | 28.840% | 28.840% | 28.840% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,390.00 | 6.530% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | Yes | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 294.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198481 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $9,685.71 | 7.419% | $8,383.75 | $11,475.11 | 7.616% | No | No | Not Employed | Employed | Employed | 1.48 | US Citizen | US Citizen | $42,044.07 | 1 | [Redacted] | $2,910.36 | [Redacted] | $242.53 | 30.057% | 24.914% | 30.057% | [Redacted] | 802 | 766 | 789 | 798 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $2,195.00 | 6.110% | $0.00 | 5.0 | None | No | No | 7.616% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [Redacted] | [Redacted] | 100.000% | No | 0 | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 160.88 | No | No | $0.00 | $60,111.67 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198485 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,034.00 | $7,720.86 | 7.323% | $1,462.19 | $1,462.19 | 6.990% | No | No | Self-Employed | US Citizen | $6,848.50 | 1 | [Redacted] | $1,005.84 | [Redacted] | $83.82 | 36.840% | 36.840% | 36.840% | [Redacted] | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $3,034.00 | 6.530% | $0.00 | 1.1 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 65.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.31 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198526 | [Redacted] | [Redacted] | N/A | No | No | $8,067.50 | $9,450.19 | 8.470% | $2,051.15 | $2,051.15 | 8.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $136,219.44 | 1 | [Redacted] | $986.52 | [Redacted] | $82.21 | 9.808% | 9.808% | 9.808% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $8,067.50 | 6.680% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 26.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.36 | No | No | $151,032.04 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226199664 | [Redacted] | [Redacted] | N/A | No | No | $2,137.50 | $2,137.50 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,997.64 | [Redacted] | $166.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [Redacted] | [Redacted] | 28.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226199810 | [Redacted] | [Redacted] | N/A | No | No | $551.29 | $551.29 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,083.12 | [Redacted] | $90.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 382.27 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226199864 | [Redacted] | [Redacted] | N/A | No | No | $1,761.22 | $1,761.22 | 7.375% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,725.96 | [Redacted] | $143.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | 775 | 773 | 797 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200522 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,070.63 | $9,752.14 | 8.191% | $3,463.74 | $3,463.74 | 7.990% | No | No | Not Employed | Self-Employed | Not Employed | Self-Employed | 0 | 10.05 | US Citizen | US Citizen | US Citizen | $36,203.19 | 1 | [Redacted] | $2,490.00 | [Redacted] | $207.50 | 25.951% | 25.951% | 25.951% | [Redacted] | 735 | 766 | 734 | 735 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 33.330% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2016 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2016 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,070.63 | 6.720% | $0.00 | 2.6 | None | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 21.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.98 | Yes | No | $24,445.27 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226201076 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,960.00 | $9,204.96 | 7.393% | $4,065.77 | $4,065.77 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,379.32 | 1 | [Redacted] | $2,841.96 | [Redacted] | $236.83 | 26.090% | 26.090% | 26.090% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [Redacted] | $5,960.00 | 6.720% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 1 | 0 | 3 | 0 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226201710 | [Redacted] | [Redacted] | N/A | No | No | $962.33 | $962.33 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $856.20 | [Redacted] | $71.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 682 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | [Redacted] | [Redacted] | 24.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226202683 | [Redacted] | [Redacted] | N/A | No | No | $1,810.97 | $1,810.97 | 7.500% | No | No | US Citizen | 3 | [Redacted] | $3,302.04 | [Redacted] | $275.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [Redacted] | [Redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226203439 | [Redacted] | [Redacted] | N/A | No | No | $493.05 | $493.05 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $1,878.96 | [Redacted] | $156.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [Redacted] | [Redacted] | 0.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226203445 | [Redacted] | [Redacted] | N/A | No | No | $3,405.00 | $3,905.67 | 7.393% | $949.94 | $949.94 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,263.12 | 1 | [Redacted] | $4,082.16 | [Redacted] | $340.18 | 37.713% | 37.713% | 37.713% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $3,405.00 | 6.720% | $153,000.00 | None | Yes | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 251.6 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226203477 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,470.00 | $12,740.46 | 7.320% | $10,641.95 | $10,641.95 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | $127,162.23 | 1 | [Redacted] | $2,782.68 | [Redacted] | $231.89 | 11.677% | 11.677% | 11.677% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $6,470.00 | 6.720% | $0.00 | 1.5 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204202 | [Redacted] | [Redacted] | N/A | No | No | $1,607.38 | $1,607.38 | 7.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $2,049.96 | [Redacted] | $170.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226207502 | [Redacted] | [Redacted] | N/A | No | No | $3,247.16 | $3,247.16 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,504.84 | [Redacted] | $292.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [Redacted] | [Redacted] | 76.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 75.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226211879 | [Redacted] | [Redacted] | N/A | No | No | $1,158.80 | $1,158.80 | 7.125% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $2,910.00 | [Redacted] | $242.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | 727 | 733 | 722 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.36 | 0.42 | [Redacted] | [Redacted] | 30.400% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226212111 | [Redacted] | [Redacted] | N/A | No | No | $951.75 | $951.75 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,497.00 | [Redacted] | $124.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | [Redacted] | [Redacted] | 28.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226213970 | [Redacted] | [Redacted] | N/A | No | No | $2,205.75 | $2,205.75 | 6.750% | No | No | Foreign National | 1 | [Redacted] | $1,443.24 | [Redacted] | $120.27 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | 35.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 10.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226213995 | [Redacted] | [Redacted] | N/A | No | No | $648.60 | $648.60 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $963.00 | [Redacted] | $80.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [Redacted] | [Redacted] | 58.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214043 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,840.00 | $7,629.64 | 7.476% | $3,448.88 | $3,805.57 | 7.872% | No | No | Self-Employed | US Citizen | $6,261.18 | 1 | [Redacted] | $2,337.96 | [Redacted] | $194.83 | 42.852% | 39.596% | 42.852% | [Redacted] | 758 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [Redacted] | $6,840.00 | 6.160% | $0.00 | 1.2 | None | No | No | 7.872% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214172 | [Redacted] | [Redacted] | N/A | No | No | $2,147.48 | $2,147.48 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,557.96 | [Redacted] | $129.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [Redacted] | [Redacted] | 8.360% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214173 | [Redacted] | [Redacted] | N/A | No | No | $2,755.79 | $2,755.79 | 7.375% | No | No | US Citizen | 3 | [Redacted] | $1,863.96 | [Redacted] | $155.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214188 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,696.69 | $8,570.25 | 8.242% | $1,195.03 | $1,238.12 | 7.866% | No | No | Self-Employed | US Citizen | $5,206.04 | 1 | [Redacted] | $2,360.04 | [Redacted] | $196.67 | 37.505% | 39.603% | 37.505% | [Redacted] | 695 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $7,696.69 | 6.270% | $7,687.00 | 1.0 | None | Yes | No | 7.866% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 12.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214282 | [Redacted] | [Redacted] | N/A | No | No | $4,529.65 | $4,529.65 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,557.00 | [Redacted] | $129.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.45 | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226218229 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,930.00 | $7,129.75 | 7.552% | $850.73 | $850.73 | 6.990% | No | No | Self-Employed | US Citizen | $6,533.29 | 1 | [Redacted] | $1,531.08 | [Redacted] | $127.59 | 16.258% | 16.258% | 16.258% | [Redacted] | 745 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [Redacted] | $4,930.00 | 6.640% | ($7,500.00) | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [Redacted] | [Redacted] | 76.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226218310 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,394.00 | $9,402.21 | 7.593% | $1,855.52 | $1,855.52 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $4,130.38 | 1 | [Redacted] | $1,266.00 | [Redacted] | $105.50 | 42.905% | 42.905% | 42.905% | [Redacted] | 756 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $5,394.00 | 6.680% | $71,000.00 | 2.7 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 7.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | Employment Authorization, Passport | 6.24 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226219765 | [Redacted] | [Redacted] | N/A | No | No | $690.68 | $690.68 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $1,956.00 | [Redacted] | $163.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.48 | [Redacted] | [Redacted] | 33.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226219972 | [Redacted] | [Redacted] | N/A | No | No | $3,001.58 | $3,001.58 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,808.00 | [Redacted] | $234.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.7 | [Redacted] | [Redacted] | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 18.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226221480 | [Redacted] | [Redacted] | N/A | No | No | $3,556.69 | $3,556.69 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $3,251.88 | [Redacted] | $270.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [Redacted] | [Redacted] | 45.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222237 | [Redacted] | [Redacted] | N/A | No | No | $1,490.60 | $1,490.60 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $508.20 | [Redacted] | $42.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222611 | [Redacted] | [Redacted] | N/A | No | No | $1,532.25 | $1,532.25 | 6.875% | No | No | Foreign National | 1 | [Redacted] | $926.16 | [Redacted] | $77.18 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [Redacted] | [Redacted] | 0.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 69.5 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222809 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,120.06 | $8,456.76 | 8.029% | $3,975.19 | $3,975.19 | 7.875% | No | No | Self-Employed | US Citizen | $15,469.19 | 1 | [Redacted] | $1,884.96 | [Redacted] | $157.08 | 29.897% | 29.897% | 29.897% | [Redacted] | 790 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $4,120.06 | 6.640% | $8,000.00 | 2.6 | None | Yes | No | 7.875% | 1 | 2 | 0 | 2 | 2 | 5.97 | No | [Redacted] | [Redacted] | 19.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222811 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,783.65 | $34,883.55 | 7.191% | $7,144.40 | $7,144.40 | 6.875% | No | No | Non-Employment Income | US Citizen | $23,887.16 | 1 | [Redacted] | $1,891.80 | [Redacted] | $157.65 | 31.134% | 31.134% | 31.134% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [Redacted] | $29,783.65 | 6.640% | $0.00 | 3.9 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 337.95 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222978 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $3,038.60 | 6.946% | $2,509.47 | $2,509.47 | 6.875% | No | No | Non-Employment Income | US Citizen | $4,385.42 | 1 | [Redacted] | $2,582.40 | [Redacted] | $215.20 | 44.806% | 44.806% | 44.806% | [Redacted] | 817 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [Redacted] | $1,595.00 | 6.640% | $0.00 | 2.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 299.11 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223015 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,718.98 | 7.028% | $4,797.81 | $4,797.81 | 6.990% | No | No | Self-Employed | US Citizen | $7,139.22 | 1 | [Redacted] | $6,910.08 | [Redacted] | $575.84 | 46.031% | 46.031% | 46.031% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $1,490.00 | 6.680% | $3,000.00 | 4.3 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 45.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 11/24/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223020 | [Redacted] | [Redacted] | N/A | No | No | $564.46 | $564.46 | 7.990% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,635.60 | [Redacted] | $136.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | 788 | 781 | 787 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.9 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223023 | [Redacted] | [Redacted] | N/A | No | No | $12,457.81 | $12,457.81 | 8.375% | No | No | US Citizen | 4 | [Redacted] | $5,937.36 | [Redacted] | $494.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 2.6 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.15 | 240 | [Redacted] | [Redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223024 | [Redacted] | [Redacted] | N/A | No | No | $2,080.70 | $2,080.70 | 8.375% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $933.96 | [Redacted] | $77.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | Yes | [Redacted] | $0.00 | 3.6 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.28 | [Redacted] | [Redacted] | 24.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223592 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $3,001.65 | 6.825% | $2,476.02 | $2,476.02 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $19,171.55 | 1 | [Redacted] | $1,605.96 | [Redacted] | $133.83 | 48.430% | 48.430% | 48.430% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [Redacted] | $1,890.00 | 6.710% | $0.00 | 3.7 | DU | ApproveEligible | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [Redacted] | [Redacted] | 69.910% | No | 32 | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.35 | No | No | $0.00 | $16,480.49 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223735 | [Redacted] | [Redacted] | N/A | No | No | $16,340.00 | $3,960.73 | 7.243% | $1,920.10 | $1,920.10 | 7.125% | No | No | Self-Employed | US Citizen | $6,577.74 | 1 | [Redacted] | $1,343.52 | [Redacted] | $111.96 | 43.667% | 43.667% | 43.667% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [Redacted] | $16,340.00 | 6.710% | $10,000.00 | 2.4 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [Redacted] | [Redacted] | 38.380% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.47 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224301 | [Redacted] | [Redacted] | N/A | No | No | $2,621.15 | $2,621.15 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,806.00 | [Redacted] | $150.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [Redacted] | [Redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 170.1 | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230825 | [Redacted] | [Redacted] | N/A | No | No | $878.33 | $878.33 | 9.875% | No | No | Permanent Resident Alien | 1 | [Redacted] | $984.00 | [Redacted] | $82.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [Redacted] | $0.00 | 1.1 | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.04 | 0.48 | [Redacted] | [Redacted] | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 270.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X |