EFMT DEPOSITOR LLC ABS-15G

Exhibit 99.10 - Schedule 5

 

ALT Loan ID Loan ID Seller Loan ID Investor Loan ID Seller Name Loan Program Documentation Type Executed NOO Docs in File Lease In Place Flag Actual In Place Rent Third Party Market Rent Estimate Third Party Rent Source Actual Short Term Rent Amount Actual Short Term Rent Source Short Term Rent Number of Months Short Term Rental Occupancy Factor Rental Income Used for Property DSCR Calculation Rental Source for Property DSCR Calculation DSCR Calculation Based On Short Rental Income Flag Property DTI Originator DSCR TPR DSCR PITIA Gross Rental Income Unit 1 Lease End Date Unit 1 Lease Term Unit 1 Gross Rental Income Unit 2 Lease End Date Unit 2 Lease Term Unit 2 Gross Rental Income Unit 3 Lease End Date Unit 3 Lease Term Unit 3 Gross Rental Income Unit 4 Lease End Date Unit 4 Lease Term Unit 4 Gross Rental Income Unit 5 Lease End Date Unit 5 Lease Term Unit 5 Gross Rental Income Unit 6 Lease End Date Unit 6 Lease Term Unit 6 Gross Rental Income Unit 7 Lease End Date Unit 7 Lease Term Unit 7 Gross Rental Income Unit 8+ Rent Loss Insurance Rent Loss Insurance Amount Fee Amount Acquisition Cost Renovation Cost Effective Gross Income Turnover Costs Repairs and Maintenance Marketing and Leasing Costs Utilities Other Costs Cap Ex Reserve Section 8 Blanket Mortgage/Cross Collateral Flag Number of Years Property Owned Number of Mortgaged Properties With Lender Number of Properties Securing Loan Foreign National Alternative Credit Documentation Months Reserves Loan Closed in the name of Business Entity Vested Business Entity Name Vested Business Entity Type Qualifying Primary Borrower Type Qualifying Primary Borrower First Name Qualifying Primary  Borrower  Last Name Qualifying CoBorrower Type Qualifying CoBorrower First Name Qualifying CoBorrower Last Name Qualifying CoBorrower 2 Type Qualifying CoBorrower 2 First Name Qualifying CoBorrower 2 Last Name Qualifying CoBorrower 3 Type Qualifying CoBorrower 3 First Name Qualifying CoBorrower 3 Last Name Non-Qualifying Guarantor 1 First Name Non-Qualifying Guarantor 1 Last Name Non-Qualifying Guarantor 1 Citizenship Non-Qualifying Guarantor 1 Country Name Non-Qualifying Guarantor 2 First Name Non-Qualifying Guarantor 2 Last Name Non-Qualifying Guarantor 2 Citizenship Non-Qualifying Guarantor 2 Country Name Personal Guaranty Total Number of Guarantors Personal Guaranty Recourse Level Business Entity EIN Primary Appraisal Occupancy
2136836 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX -18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 86.95 1.15 1.15 XXXX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 0.7 1 1 N/A 120.92 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Tenant
2137559 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX -18 Investor DSCR 30 Year Fixed I/O Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 77.31 1.293 1.294 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 83.48 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2137568 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Yr Fixed IO Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 96.84 1.033 1.033 XXXX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 4.5 1 1 N/A 14.5 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2137563 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX -18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 65.02 1.538 1.538 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 16.0 1 1 N/A 49.86 Yes XXXXX Corporation Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2137560 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX -18 Investor DSCR 30 Year Fixed I/O Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 87.05 1.148 1.149 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 51.85 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2199421 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 76.02 1.316 1.316 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.1 1 1 N/A 112.81 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2198107 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 88.82 1.126 1.126 XXXX                                             N/A         $X,XXX.XX               No 0.0 1 1 N/A 68.94 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2199378 XXXXXXXXX   XXXXXXXXX XXXXX Ambassador DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 94.88 1.05 1.054 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 26.57 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2199367 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 81.86 1.222 1.222 XXXX                                             N/A         $X,XXX.XX               No 2.1 1 1 N/A 0 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2199441 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No 76.98 1.139 1.299 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 1.8 1 1 N/A 31.85 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2199437 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr  Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 84.82 1.115 1.179 XXXX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 0.0 1 1 N/A 125.36 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Tenant
2199433 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr  Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 83.13 1.203 1.203 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 2.9 1 1 N/A 6.66 Yes XXXXX Corporation Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Tenant
2199439 XXXXXXXXX   XXXXXXXXX XXXXX Ambassador DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No 81.05 1.234 1.234 XXXX                                             N/A         $X,XXX.XX               No 4.2 1 1 N/A 0 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Tenant
2199434 XXXXXXXXX   XXXXXXXXX XXXXX {label=BPACC 30 YR FIXED NO PPP} Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No   1.454 1.454 XXXX                                             N/A         $X,XXX.XX               No 0.0 1 1 N/A 38.7 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Tenant
2199440 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 97.98 1.021 1.021 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 16.94 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2199406 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 69.84 1.385 1.432 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 22.24 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2199410 XXXXXXXXX   XXXXXXXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 80.43 1.243 1.243 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 9.2 1 1 N/A 125.67 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Owner
2199435 XXXXXXXXX   XXXXXXXXX XXXXX Non-QM Guidelines Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 86.59 1.155 1.155 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 8.6 1 1 N/A 108.65 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2196775 XXXXXXXXX   XXXXXXXXX XXXXX  XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 95.04 1.052 1.052 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.6 1 1 N/A 99.5 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2196778 XXXXXXXXX   XXXXXXXXX XXXXX  XXXXX 18 Investor DSCR - 30  YR FIX Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Actual In Place Rent No 98.09 1.019 1.019 XXXX $X,XXX.XX XX/XX/XXXX 1 $X,XXX.XX XX/XX/XXXX 1                                 Yes $X,XXX.XX       $X,XXX.XX             No No 4.3 1 1 N/A 10.69 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Tenant
2196768 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 87.9 1.137 1.138 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 47.08 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Owner
2196774 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 99.57 1.004 1.004 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 16.99 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Vacant
2196767 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No 84.43 1.184 1.184 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 15.5 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Tenant
2196769 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 90.36 1.107 1.107 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 14.72 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2196771 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX   Short Term Rental $X,XXX.XX Other 12 55.00% $X,XXX.XX Other Yes 62.16 1.609 1.609 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 28.1 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2196776 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 97.12 1.03 1.03 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 169.91 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2198012 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed I/O Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 80.11 1.248 1.248 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 132.16 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXXXXXXX Vacant
2196777 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 113.97 0.877 0.877 XXXX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 1.0 1 1 N/A 68.94 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Tenant
2196773 XXXXXXXXX   XXXXXXXXX XXXXX XXXXX 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 92.09 1.086 1.086 XXXX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 10.65 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant