MFRA NQM DEPOSITOR, LLC ABS-15G
Exhibit 99.05 - Schedule 6
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| Run Date - 09/03/2026 9:39:19 AM |
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | TILA Status | Application Date | TRID | GSE Eligible | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Qualifying P&I | PITIA | 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 Borrower 4 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 | Co Borrower 4 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Residual Income | Num Units | Flood Cert Number | FEMA Flood Zone | Annual Property Tax | Annual 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 | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Forth Wage Earner Updated FICO Equifax | Forth Wage Earner Updated FICO Experian | Forth 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 4 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 4 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Co Borrower 4 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 | 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 | Loan Program Date | QM Regulation Failures | 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 Wavier (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | 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 | DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Is Equity Shared Loan | Title Interest Type | Title Held | Loan Doc Type | PITIA on Other Financed Properties | Credit Score Model Name | Maturity Date | Qualification Method Other Description | Index Type Other Description | Most Recent 24 Month Pay History | Line Utilization | Payment History As Of Date | Is Line Still Open | Property Value Trends | Were C/O proceeds included in reserves | Borrower Doc Type | Co Borrower 2 Doc Type | Co Borrower 3 Doc Type | Co Borrower 4 Doc Type | Reserves in Months | Months WVOE | ITIN Indicator | Condo Warrantable | Default Rate Clause | Default Rate | Borrower 3 FICO | Borrower 4 FICO | Borrower 3 Residency Status | Borrower 4 Residency Status | Buydown | Buydown Type | Buydown Term |
| 1695103 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8,212.25 | $10,858.02 | 20260511 | 0.00% | $7,054.20 | $7,581.83 | 7.88% | No | No | Employed | Employed | No | No | $9,638.01 | 1 | X | $4,393.56 | $1,938.00 | 46.939% | 46.939% | 20260506 | 781 | No | No | [Borrower - Primary Income - Wages] Paystubs - 03/2026-04/2026; [Borrower - Primary Income - Wages] W-2 - 2025; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] Third Party Verification - 04/2026 28 months; [Borrower - Primary Income - Wages] VVOE - 05/2026; [Co Borrower 1 - Primary Income - Wages] Paystubs - 03/2026-04/2026; [Co Borrower 1 - Primary Income - Wages] W-2 - 2025; [Co Borrower 1 - Primary Income - Wages] W-2 - 2024; [Co Borrower 1 - Primary Income - Wages] Third Party Verification - 04/2026 28 months; [Co Borrower 1 - Primary Income - Wages] VVOE - 05/2026; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | Full Doc | Acra Lending Seller Guide | 20251010 | $8,212.25 | 0 | 1.8 | No | N/A | 7.875 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | Full | 9 | 28 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690285 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $6,275.94 | $8,654.12 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 4 | X | $20,876.16 | $7,662.00 | 20260112 | 662 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Trust | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | No | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1688036 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,077.36 | $1,248.80 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $889.32 | $1,167.96 | 20260209 | 729 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 2.6 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | No | 83 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689052 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,248.97 | $1,767.54 | 6.50% | Yes | Yes | Not Required | Not Required | Yes | Yes | XXX | XXX | $0.00 | 1 | X | $1,987.20 | $4,235.64 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Foreign National | Acra Lending Seller Guide | 20251010 | 0 | 1 | No | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.24 | No | Fee Simple | Individual(s) | Debt Service Coverage | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 105 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694505 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,095.70 | $2,784.28 | 7.00% | Yes | Yes | Employed | Employed | No | No | $0.00 | 1 | D | $4,824.00 | $1,458.96 | XXX | CA | $1,980.00 | Annually | 20260417 | 791 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20260514 | 0 | 3.5 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.75 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Declining | No | 44 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690841 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,276.12 | $1,612.27 | 7.88% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $2,654.76 | $1,379.04 | 20260224 | 715 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.43 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 52 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690508 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,008.61 | $1,237.20 | 7.63% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $1,666.08 | $1,077.00 | 20260224 | 715 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.56 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 108 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1691334 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2,065.00 | $3,369.93 | 20260313 | 6.841% | $1,280.62 | $1,953.63 | 6.63% | No | No | Self-Employed | Retired | No | No | $1,963.17 | 1 | X | $1,950.24 | $6,125.88 | 49.878% | 49.878% | 20260324 | 737 | No | No | 100% | Borrower Prepared | [Borrower - Primary Income - Sole Proprietor] Tax Returns – Personal - 2024; [Borrower - Primary Income - Sole Proprietor] VVOE - 4/2026; [Borrower - Non-Primary Income - Social Security] 1099 - 2025; [Borrower - Non-Primary Income - Social Security] Other - 2026; [Co Borrower 1 - Non-Primary Income - Social Security] Award Letter / Continuance Letter - 3/2026; [Co Borrower 1 - Non-Primary Income - Social Security] 1099 - 2025; [Co Borrower 1 - Non-Primary Income - Social Security] Other - 2026; [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 2/2026-3/2026 2 months; [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 2/2026-3/2026 2 months; [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/2025-12/2025 12 months; [Borrower - Primary Income - Sole Proprietor] Business License/Validation - 3/2026; |
[Borrower] 1084 or income worksheet - 2024; [Borrower] 4506 or 4506T - 2024; [Borrower] 1040 - 2024; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Full Doc | Acra Lending Seller Guide | 20251010 | $2,065.00 | 509 | 1.4 | No | N/A | 6.625 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | Full | 14 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693960 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,508.14 | $2,313.42 | 7.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $1,026.36 | $8,637.00 | 20260303 | 697 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20261010 | 0 | 1 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 7 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693961 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,305.24 | $1,699.20 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $3,249.96 | $1,477.56 | 20260311 | 770 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 1 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 28 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694506 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,024.29 | $2,656.88 | 7.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,724.48 | $1,866.60 | 20260406 | 704 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 2.6 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.64 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXx | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 25 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1695636 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,715.92 | $4,416.08 | 7.63% | Yes | N/A | Self-Employed | No | No | $0.00 | 1 | X | $6,870.84 | $1,531.08 | 20260508 | 781 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20260514 | 0 | 2.2 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.79 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 3 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693413 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,359.39 | $1,649.11 | 7.75% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $2,181.60 | $1,295.04 | 20260122 | 690 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.36 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 92 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693773 | XXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,178.13 | $3,826.42 | 6.75% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $4,992.00 | $1,797.48 | XXX | ID | $990.00 | Annually | 20260401 | 798 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 1 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 | No | Fee Simple | Trust | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 41 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1687981 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 20260126 | 0.00% | $2,901.75 | $3,422.63 | 6.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,199.12 | $1,051.44 | 20260326 | 739 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 3.9 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 245 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694864 | XXXXXXXXX | XXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,072.03 | $2,501.16 | 7.38% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $3,697.56 | $1,452.00 | 20260406 | 709 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20260514 | 0 | No | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.88 | No | Fee Simple | Individual(s) | Debt Service Coverage | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 25 | 0 | Yes | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693166 | XXXXXXXXX | XXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2,525.00 | $10,214.27 | 20260424 | 0.00% | $18,160.75 | $23,060.42 | 6.75% | No | N/A | Self-Employed | No | No | $41,011.35 | 1 | X | $49,992.00 | $8,804.04 | 50.476% | 50.476% | 20260406 | 708 | No | Yes | 12 | Business | 34% | 100% | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 4/2025-3/2026 - 12 months; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 2/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 5/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $0.00 | -2800 | 1.8 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 39 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690490 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $1,990.00 | $4,644.20 | 20260311 | 6.867% | $1,280.62 | $2,688.02 | 6.63% | No | N/A | Employed | No | No | $3,253.06 | 1 | X | $7,340.88 | $1,183.92 | XXX | CA | $697.00 | Monthly | 46.479% | 46.479 | 20260307 | 723 | No | No | [Borrower - Primary Income - Wages] Paystubs - 02/2026 1 Month; [Borrower - Primary Income - Wages] W-2 - 2025 ; [Borrower - Primary Income - Wages] WVOE - 03/2026 26 months; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Full Doc | Acra Lending Seller Guide | 20251010 | $1,990.00 | 0 | 1 | No | N/A | 6.625 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 10 | 26 | No | Yes | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1688516 | XXXXXXXXX | XXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $3,745.35 | $4,879.56 | 20260202 | 7.352% | $689.78 | $967.34 | 6.88% | Yes | N/A | Employed | No | No | $7,108.04 | 1 | AO | $361.80 | $2,968.92 | 26.122% | 26.122 | 20260109 | 699 | No | No | [Borrower - Primary Income - Wages] Paystubs - 12/2025; [Borrower - Primary Income - Wages] Paystubs - 1/2026; [Borrower - Primary Income - Wages] W-2 - 2024; [Borrower - Primary Income - Wages] W-2 - 2023; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | Full Doc | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | No | N/A | 6.875 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 46 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1692641 | XXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,309.32 | $1,872.62 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $5,110.56 | $1,649.04 | 20260318 | 757 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 1 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.6 | No | Fee Simple | Individual(s) | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 16 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690795 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,985.81 | $3,721.07 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X500 | $7,676.04 | $1,147.08 | 20260309 | 721 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | -936.29 | 2.5 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 64 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694726 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $4,257.26 | $5,041.27 | 6.38% | Yes | N/A | Not Required | No | No | $0.00 | 4 | X | $7,701.12 | $1,707.00 | 20260427 | 802 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20261010 | $0.00 | 0 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.37 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 29 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689872 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $9,417.58 | $12,575.60 | 6.75% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 4 | X | $32,437.56 | $5,458.68 | 20251229 | 683 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 39 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689459 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $640.31 | $1,527.31 | 6.63% | Yes | Yes | Not Required | Not Required | No | No | $0.00 | 1 | X | $1,950.96 | $1,493.04 | XXX | TX | $600.00 | Monthly | 20260105 | 814 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 1.4 | No | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | Yes | 62 | No | Yes | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689300 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $763.08 | $1,390.20 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $5,052.48 | $2,472.96 | 20251216 | 755 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.66 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 67 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689367 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,169.86 | $2,002.72 | 6.25% | Yes | N/A | Not Required | Yes | No | XXX | $0.00 | 1 | X | $7,177.92 | $1,148.40 | XXX | FL | $139.00 | Monthly | 20260128 | 750 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Foreign National | Acra Lending Seller Guide | 20251201 | $0.00 | 0 | 1 | No | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.25 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 40 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689507 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $916.59 | $1,054.75 | 7.63% | Yes | N/A | Not Required | No | No | -$3,343.85 | 1 | X | $444.00 | $1,213.92 | 20260126 | 677 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.42 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 114 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1692629 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,840.57 | $3,877.01 | 7.75% | Yes | N/A | Not Required | No | No | $0.00 | 3 | X | $9,440.28 | $2,997.00 | 20260306 | 673 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | No | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 64 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1692175 | XXXXXXXXX | XXXXXXXX | Non-QM | XXXXXXXX | Yes | $116,457.50 | $131,720.92 | 20260402 | 0.00% | $29,025.26 | $32,885.55 | 8.38% | No | N/A | Self-Employed | No | No | $92,509.24 | 1 | X | $33,697.08 | $5,906.40 | XXX | CA | $560.00 | Monthly | 31.342% | 31.342% | 20260323 | 701 | No | No | 50% | Third Party Prepared(unaudited) | [Borrower - Primary Income - Partnership] CPA Letter - 03/2026; [Borrower - Primary Income - Partnership] P&L Statement - 02/2026; [Borrower - Primary Income - Partnership] Other - 02/2025; [Borrower - Primary Income - Partnership] Secretary of State (SOS) - 03/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | P&L 12 Months CPA prepared 30yr fixed | Acra Lending Seller Guide | 20251010 | $116,457.50 | -76375 | 2.6 | No | N/A | 8.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 2 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1695413 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $3,783.91 | $4,502.07 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $6,892.92 | $1,725.00 | 20260420 | 784 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.09 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 15 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694995 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,428.82 | $1,972.47 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 2 | X | $4,072.80 | $2,451.00 | 20260326 | 705 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.57 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 43 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1695133 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $1,309.37 | $1,927.92 | 20260521 | 0.00% | $636.29 | $2,386.52 | 7.50% | Yes | N/A | Employed | No | No | $6,700.53 | 1 | AE | $3,730.68 | $784.08 | XXX | TX | $1,374.00 | Monthly | 48.73% | 48.73% | 20260508 | 726 | No | No | [Borrower - Primary Income - Wages] Paystubs - 3/2026-4/2026; [Borrower - Primary Income - Wages] Paystubs - 12/2025; [Borrower - Primary Income - Wages] Paystubs - 12/2024; [Borrower - Primary Income - Wages] Work Number - 3/2026 - 80 months; |
Stated, Level 5 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Full Doc | Acra Lending Seller Guide | 20251010 | $1,309.37 | 0 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 87 | 80 | No | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1695192 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $6,207.98 | $9,256.73 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $33,750.00 | $2,835.00 | 20260420 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20250514 | 0 | 2.6 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 | No | Fee Simple | Trust | Debt Service Coverage | XXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 15 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694781 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,380.50 | $1,766.80 | 7.00% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $2,483.64 | $2,151.96 | 20260408 | 705 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 1 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Increasing | Yes | 1 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694399 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $10,005.29 | $12,559.44 | 20260427 | 0.00% | $3,123.60 | $3,542.06 | 7.00% | Yes | N/A | Self-Employed | No | No | $7,983.83 | 1 | AE | $1,485.00 | $3,536.52 | 42.589% | 42.589% | 20260413 | 740 | No | Yes | 12 | Business | 50% | 100% | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 03/2025-03/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 05/04/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 04/23/2026; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 04/23/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 04/30/2026; [Borrower - Primary Income - Bank Statements] VVOE - 05/04/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $10,005.29 | -450 | 1.9 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 5 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689053 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $583.74 | $856.54 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | C | $534.60 | $2,739.00 | 20260305 | 732 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | No | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.4 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 94 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694117 | XXXXXXXXX | XXXXXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $5,458.60 | $7,566.26 | 20260504 | 7.613% | $2,265.41 | $3,340.28 | 7.38% | Yes | Yes | Self-Employed | Self-Employed | No | No | $7,932.38 | 1 | AE | $3,069.84 | $9,828.60 | 47.699% | 47.699 | 20260408 | 772 | No | No | 50% | 50% | [Borrower - Primary Income - C-Corp] Tax Returns – Business - 2025; [Borrower - Primary Income - C-Corp] Tax Returns – Business - 2024; [Borrower - Primary Income - C-Corp] Tax Returns – Business - 2023; [Borrower - Primary Income - C-Corp] Tax Returns – Personal - 2025; [Borrower - Primary Income - C-Corp] Tax Returns – Personal - 2024; [Borrower - Primary Income - C-Corp] Tax Returns – Personal - 2023; [Borrower - Primary Income - C-Corp] Secretary of State (SOS) - 1/2026; [Borrower - Primary Income - C-Corp] Other - 1/2026; [Co Borrower 1 - Primary Income - C-Corp] Tax Returns – Business - 2025; [Co Borrower 1 - Primary Income - C-Corp] Tax Returns – Business - 2024; [Co Borrower 1 - Primary Income - C-Corp] Tax Returns – Business - 2023; [Co Borrower 1 - Primary Income - C-Corp] Tax Returns – Personal - 2025; [Co Borrower 1 - Primary Income - C-Corp] Tax Returns – Personal - 2024; [Co Borrower 1 - Primary Income - C-Corp] Tax Returns – Personal - 2023; [Co Borrower 1 - Primary Income - C-Corp] Secretary of State (SOS) - 1/2026; [Co Borrower 1 - Primary Income - C-Corp] Other - 1/2026; [Borrower - Primary Income - C-Corp] W-2 - 2025; [Borrower - Primary Income - C-Corp] W-2 - 2024; [Co Borrower 1 - Primary Income - C-Corp] W-2 - 2025; [Co Borrower 1 - Primary Income - C-Corp] W-2 - 2024; [Borrower - Primary Income - C-Corp] W-2 - 2023; [Co Borrower 1 - Primary Income - C-Corp] W-2 - 2023; |
Stated, Level 4 Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | AC30YrFx Citadel Non Conforming 30 | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 2.6 | No | N/A | 7.375 | 3 | 3 | 6 | 6 | 0 | 0 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | Full | 40 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693970 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $629.29 | $964.54 | 7.50% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $485.04 | $585.96 | XXX | NV | $246.00 | Monthly | 20260409 | 795 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | -25 | 1 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.18 | No | Fee Simple | Individual(s) | Debt Service Coverage | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | Yes | 86 | No | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694195 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,857.43 | $2,117.80 | 7.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $2,025.00 | $1,099.44 | 20260423 | 795 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 1 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.83 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 16 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693282 | XXXXXXXXX | XXXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2,031.68 | $3,542.50 | 20260406 | 0.00% | $2,086.05 | $3,137.09 | 7.63% | No | No | Not Required | Self-Employed | No | No | $3,253.08 | 1 | X | $7,902.96 | $4,469.52 | XXX | OK | $240.00 | Annually | 49.092% | 49.092 | 20260317 | 783 | No | No | 100% | [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 03/2026; [Co Borrower 1 - Primary Income - Sole Proprietor] Tax Returns – Business - 2024 ; [Co Borrower 1 - Primary Income - Sole Proprietor] Tax Returns – Business - 2025 ; [Co Borrower 1 - Primary Income - Sole Proprietor] Bank Statements - Personal - 01/2026-03/2026; |
[Co Borrower 1] 1040 - 2024; [Co Borrower 1] 1040 - 2025; [Co Borrower 1] Transcripts - 2023; [Co Borrower 1] Transcripts - 2024; [Co Borrower 1] Transcripts - 2025; |
Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Full Doc | Acra Lending Seller Guide | 20251010 | $2,031.68 | -73.7 | 1 | No | N/A | 7.625 | 0 | 0 | 0 | 2 | 0 | 3 | 0 | 0 | 0 | No | No | Fee Simple | Individual(s) | Full | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Full | 30 | Yes | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1692286 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,694.87 | $4,008.65 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $7,461.36 | $1,116.00 | XXX | CA | $599.00 | Monthly | 20260402 | 797 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.9 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 2 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689145 | XXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $9,425.43 | $15,480.68 | 20260226 | 0.00% | $6,256.92 | $8,650.71 | 10.13% | No | No | Self-Employed | Self-Employed | No | No | $33,973.78 | 1 | AE | $23,748.48 | $2,553.96 | XXX | TX | $122.00 | Monthly | 33.774% | 33.774% | 20260128 | 677 | No | Yes | 12 | Business | 50% | 70% | 30% | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/09/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/28/2026; [Borrower - Primary Income - Bank Statements] Other - 02/04/2026 - Operating Agreement; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025; [Co Borrower 1 - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 03/09/2026; [Co Borrower 1 - Primary Income - Bank Statements] Secretary of State (SOS) - 01/28/2026; [Co Borrower 1 - Primary Income - Bank Statements] Other - 02/04/2026 - Operating Agreement; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $9,425.43 | -2222.42 | 1.7 | No | N/A | 10.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | Alternative Doc | 7 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690120 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,924.39 | $4,693.89 | 6.38% | Yes | Yes | Not Required | Not Required | Not Required | No | No | No | $0.00 | 1 | X | $10,311.48 | $2,222.52 | XXX | CA | $725.00 | Monthly | 20260310 | 712 | 805 | 798 | 811 | Stated, Verified | Not Stated, not Verified | Not Stated, not Verified | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 1 | No | N/A | 6.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 8 | No | No | FALSE | 805 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690294 | XXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $13,744.79 | $21,382.80 | 20260313 | 0.00% | $5,696.87 | $8,162.85 | 7.88% | No | N/A | Self-Employed | No | No | $290,445.47 | 1 | X | $11,250.00 | $2,261.76 | XXX | CA | $1,340.00 | Monthly | 6.743% | 6.743% | 20260313 | 765 | No | Yes | 12 | Business | 50% | 50% | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 3/2025-2/2026 10 months; [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 3/2026; [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 3/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 3/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 3/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $13,744.79 | -2171.53 | 1 | No | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 12 | No | Yes | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1686269 | XXXXXXXXX | XXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $18,844.44 | $19,785.11 | 20260116 | 0.00% | $3,675.88 | $4,389.44 | 8.88% | No | No | Not Required | Self-Employed | No | No | $14,800.08 | 1 | X | $3,467.04 | $5,095.68 | 32.735% | 32.735% | 20251118 | 654 | No | Yes | 12 | Business | 50% | 100% | [Co Borrower 1 - Primary Income - Bank Statements] CPA Letter - 12/2025; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 10/2024-10/2025 12 months; [Co Borrower 1 - Primary Income - Bank Statements] Other - 01/2025; |
Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $18,844.44 | 0 | 1 | No | N/A | 8.8756 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 18 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689750 | XXXXXXXXX | XXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $2,862.55 | $4,248.81 | 7.63% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $11,398.08 | $1,997.04 | XXX | CA | $270.00 | Monthly | 20251230 | 664 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 1 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.89 | No | Fee Simple | Individual(s) | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 152 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1690656 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $30,070.59 | $33,665.60 | 20260211 | 0.00% | $4,510.06 | $6,307.79 | 7.63% | No | N/A | Self-Employed | No | No | $27,272.83 | 1 | X500 | $17,276.76 | $2,939.04 | XXX | TX | $1,356.96 | Annually | 21.455% | 21.455% | 20260226 | 675 | No | Yes | 12 | Business | 50% | 50% | [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2026; [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-01/2026 12 months; [Borrower - Primary Income - Bank Statements] Other - 09/2023; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $30,070.59 | 0 | 2.8 | No | N/A | 7.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 8 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689973 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $394.31 | $1,514.23 | 20260217 | 0.00% | $1,381.65 | $2,008.98 | 7.50% | No | No | Self-Employed | Employed | No | No | $7,638.02 | 1 | X500 | $6,547.92 | $680.04 | XXX | TX | $300.00 | Annually | 43.224% | 43.224% | 20260109 | 704 | No | Yes | 12 | Business | 25% | 100% | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025 12 months; [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2026; [Borrower - Primary Income - Bank Statements] CPA Letter - 03/2026; [Borrower - Primary Income - Bank Statements] VVOE - 03/2026; [Borrower - Non-Primary Income - Social Security] SS Award Letter - 01/2026; [Borrower - Non-Primary Income - Social Security] Bank Statements - Personal - 11/2025-02/2026; [Co Borrower 1 - Non-Primary Income - Social Security] SS Award Letter - 01/2026; [Co Borrower 1 - Non-Primary Income - Social Security] Bank Statements - Personal - 11/2025-02/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Bank Statement - 12 months | Acra Lending Seller Guide | 20251010 | $394.31 | -109.99 | 1 | No | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 9 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1694917 | XXXXXXXXX | XXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $3,802.75 | $6,557.54 | 20260506 | 0.00% | $2,858.90 | $3,445.70 | 9.50% | No | No | Self-Employed | Self-Employed | No | No | $42,384.74 | 1 | X | $4,250.04 | $2,791.56 | 23.078% | 23.078% | 20260420 | 654 | No | Yes | 12 | Business | 50% | 100% | 100% | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 5/2025-4/2026; [Borrower - Primary Income - Bank Statements] VVOE - 4/2026; [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 4/2026; [Co Borrower 1 - Primary Income - Bank Statements] Bank Statements - Business - 4/2025-3/2026; [Co Borrower 1 - Primary Income - Bank Statements] VVOE - 4/2026; [Co Borrower 1 - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 4/2026; |
[Borrower] 4506 or 4506T - 4/2026; [Co Borrower 1] 4506 or 4506T - 4/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | AC30YrFx Citadel Non Conforming 30 | Acra Lending Seller Guide | 20251022 | $3,802.75 | 0 | 1 | No | N/A | 9.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No | No | Fee Simple | Individual(s) | Bank Statement | 6773 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | Alternative Doc | 9 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1695224 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2,190.00 | $2,703.95 | 20260428 | 0.00% | $13,390.16 | $16,380.75 | 7.13% | No | No | Self-Employed | Not Required | No | No | $21,177.25 | 4 | X | $31,489.56 | $4,397.52 | 43.652% | 43.652% | 20260402 | 731 | No | No | 100% | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/1/2025-4/30/2026-16 months; [Borrower - Primary Income - Sole Proprietor] CPA Letter - 5/9/2026; [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 5/22/2026; [Borrower - Primary Income - Sole Proprietor] VVOE - 5/26/2026; |
Stated, Verified but not Verified to Level 4 or Level 5 | 0 | 0 | 0 | 0 | 0 | 0 | P&L 12 Months CPA prepared 30yr fixed | Acra Lending Seller Guide | 20251010 | $2,190.00 | 0 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No | No | Fee Simple | Individual(s) | P&L | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | Alternative Doc | 11 | No | FALSE | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1689996 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,692.72 | $2,262.12 | 7.13% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,728.84 | $2,103.96 | 20260205 | 720 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 1 | No | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.95 | No | Fee Simple | Individual(s) | Debt Service Coverage | Equifax Beacon 5.0 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | -13 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1693238 | XXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,500.43 | $1,944.53 | 6.88% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,071.12 | $1,148.04 | XXX | OK | $110.04 | Annually | 20260408 | 750 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | $0.00 | 0 | 1 | No | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.13 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | FICO Risk Score Classic 04 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 302 | No | FALSE | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1692166 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No | 0.00% | $1,621.50 | $2,170.31 | 6.75% | Yes | N/A | Not Required | No | No | $0.00 | 1 | X | $4,388.28 | $2,197.44 | 20260212 | 775 | No | No | Not Stated, not Verified | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | DSCR- Investor NOO No Ratio | Acra Lending Seller Guide | 20251010 | 0 | 1 | No | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.15 | No | Fee Simple | Limited Liability Corp | Debt Service Coverage | Experian Fair Isaac Model 2 | XXX | XXXXXXXXXXXXXXXXXXXXXXXX | Stable | No | 108 | No | FALSE | No |