EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.04 - Schedule 5

 

Loan ID Redaction ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX 2186774 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 113474.65 -113474.56 Per Final HUD
XXXX 2186781 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 111738.01 -112439.01 Per Settlement Statement
XXXX 2186766 XXXX XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX True data reflect appraisal value. Tape reflect Desk Review Value used for LTV calc
XXXX 2186770 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per Settlement
XXXX 2186770 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 36.1 17.00 All assets provided were considered 
XXXX 2186770 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.16 1.15 1025/ PITIA
XXXX 2186780 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per signed settlement statement
XXXX 2186780 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1716.14 1685.02 HOI payment verified higher
XXXX 2186780 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 39.95 33.00 All assets provided were considered. 
XXXX 2186780 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.34 1.36 HOI payment verified higher
XXXX 2186754 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement Statement
XXXX 2186754 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1717.38 1537.38 Includes HOA 
XXXX 2186754 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 19.38 11.00 All assets provided were considered. 
XXXX 2186772 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 27.88 15.00 Per bank statements
XXXX 2186773 XXXX XXXX Property Type propertyValuationPage 5-10 Unit Multi-Family Attached Per appraisal 
XXXX 2186773 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 17.9 10.00 per assets
XXXX 2186773 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.244 1.21 Lender DSCR Breakdown not provided
XXXX 2186755 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX 2186755 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1804.94 1789.12 Includes HOA
XXXX 2186749 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 2297.39 2254.39 Tape does not include HOA fee
XXXX 2186748 XXXX XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 84659.3 -84828.22 Per Final Settlement Statement
XXXX 2186748 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final Settlement Statement
XXXX 2186748 XXXX XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 3267.28 2220.28 Per final PITIA
XXXX 2186748 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 25.91 25.00 Per CD cash to borrower used for reserves
XXXX 2186771 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Final Settlement Statement
XXXX 2186771 XXXX XXXX Property Type propertyValuationPage Townhouse Attached per apprasial
XXXX 2186771 XXXX XXXX Calculated DSCR diligenceFinalLookPage 0.889 1.18 per guidelines use 75% of market rent when vacant 
XXXX 2186746 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX As per Note 
XXXX 2186746 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD Settlement
XXXX 2186746 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 3.81 125.00 per bank statements
XXXX 2196696 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final Settlement Statement
XXXX 2196696 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 20.66 4.00 Validated total assets 
XXXX 2196696 XXXX XXXX Calculated DSCR diligenceFinalLookPage 0.953 1.0 Unable to determine as Lender did not provide breakdown calculation. Audit PITIA matches Lender's first payment letter.