Exhibit 99.6

SAN 2026-NQM8

Santander Bank N.A.

Opus Capital Markets Consultants, LLC

5599 San Felipe Street, Suite 420 | Houston, TX 77056 | www.opuscmc.com | 224.632.1300

Narrative

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Executive Narrative

September 14, 2026

Performed by

Opus Capital Markets Consultants, LLC

For

Santander Bank N.A.

The report summarizes the results of a due diligence review performed on a pool of one hundred eight (108) loans, that were directly or indirectly acquired by Santander Bank N.A. or an affiliate thereof (together the “Customer”) from an originator (the “Originator”). The Customer is a client of Opus Capital Markets Consultants, LLC (“Consultant”) under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit review of all loans.

As detailed herein, the pool contains ninety-one (91) ATR/QM Exempt loans, of which eighty-four (84) are DSCR loans and seven (7) are Business purpose, and seventeen (17) NQM loans that were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

Credit Review

Credit Qualification

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

Guidelines: Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae’s Single-Family guidelines.

Employment: Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

Income: Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

Assets: Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

Debt Ratio: Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

Property Valuation: Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

Loan-to-Value Ratio: Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

Credit History: Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

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Credit Scores: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

Compensating Factors: Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

a) Collateral Docs

Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsements are present and duly executed.

Mortgage / Deed of Trust: Verify the presence of a copy of the Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed of Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recorded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

b) Closing Docs

Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

c) Credit Docs

Loan Application: Verify the presence and completeness of both the initial and final loan applications.

Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA’s Loan Analysis.

Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that the file contains a verification of rent or a verification of mortgage form.

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Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third-party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

Regulatory Compliance

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

The “material”¹ disclosure requirements of the federal Truth-in-Lending Act (“TILA”), as amended by the Home Ownership and Equity Protection Act (“HOEPA”) and Dodd-Frank, 15 U.S.C. § 1601 et seq. and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act (“MDIA”), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure (“TRID”) Rule, as set forth below:

For Right of Rescission

A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

For TILs (Application Dates prior to 10/3/2015)

Confirm the initial TIL disclosure and final TIL disclosures were provided.

ii.

Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

For TRID Disclosures (Application Dates on or after 10/3/2015)

Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client’s Underwriting Guidelines;

ii.

Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

iii.

Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

iv.

Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

¹ These “material” disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, and if the loan is subject to the Homeownership and Equity Protection Act (“HOEPA”), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

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Section 4 of the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule;

The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with “Ability to Repay and Qualified Mortgage Review” description below;

The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10.

The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11.

The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called “predatory lending”:

12.

Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13.

For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

14.

Verification, in accordance with 12 C.F.R. 1026.36, that the mortgage loan originator organization and individual mortgage loan originator names and applicable NMLS Registry ID(s) are properly disclosed on required loan documents and accurately validated against the NMLS Registry database, as available.

15. Documentation. Review of the following documents for regulatory compliance:

Final HUD-1 Settlement Statement (“HUD-1”), if applicable

If the loan is in an escrow state, the HUD-1 will be considered final as follows:

HUD-1 is marked Final;

If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

ii.

There should be no markings indicating that the HUD-1 is estimated.

HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

Final Truth in Lending Disclosure (“TIL”), if applicable

Loan Estimate, if applicable

The Loan Estimate will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

Closing Disclosure, if applicable

The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

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Notice of Right to Cancel (if applicable)

Initial TIL, if applicable

Good Faith Estimate (“GFE”), if applicable

Note

Mortgage/Deed of Trust

FACTA disclosures

Third Party Fees

Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

ii.

CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

iii.

Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

Ability to Repay and Qualified Mortgage Review

For Agency Eligible Loans Only: Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan’s designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan’s status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For Non-Agency Eligible Loans: Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

a. Qualified Mortgage:

For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

ii.

For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

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b. Ability to Repay:

The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

Current employment status

Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortized payments that are substantially equal

Monthly payment on any simultaneous loans secured by the subject property.

Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner’s association fees or ground rent.

Debts, alimony, and child support obligations

Monthly debt-to-income ratio or residual income

Credit history

ii.

For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

iii.

Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant’s review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant’s conclusion.

Regulatory Compliance Disclaimer

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

Seasoning And Certain Compliance Exceptions

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

Additional Disclosures and Requirements:

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

Servicing Transfer Disclosure (for applications prior to 10/03/2015):

Confirm the presence of the Servicing Transfer Disclosure form in file

Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of “Application”

Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

Confirm the Home Loan Tool Kit is provided within three general business days of application

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Initial Escrow Disclosure Statement

Confirm the presence of the Initial Escrow Disclosure Statement in file

Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45-days after settlement

Equal Credit Opportunity Act (Regulation B)

Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least six (6) days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

Fair Credit Report Act (Regulation V)

Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

High-Cost, State & Local Anti-Predatory Regulations

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq.

Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

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Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

Kansas Consumer Credit Code

Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.

Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et. seq., as amended from time to time.

Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

Minnesota Mortgage Originator and Servicer Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. §1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

Section 50(a)(6), Article XVI of the Texas Constitution

Section 50(f)(2), Article XVI of the Texas Constitution

Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003, to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

Washington House Bill 2770, Mortgage Lending Ownership

West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

Wyoming Credit Code

Flood Insurance Testing

National Flood Insurance Program (NFIP)

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

Homeowner’s Flood Affordability Act (HFIAA)

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fees for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

Loan is an extension of credit primarily for business, commercial or agricultural purposes

Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

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Flood Insurance coverage for the residential real estate is provided by a policy that

Meets requirements

Provided by a condominium association, cooperative or other applicable group and

The premium for which is paid by the condominium association, cooperative, homeowners association, or other group as a common expense.

Misrepresentation and Third-Party Review

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

Alerts: Assess credit report alerts for accuracy and potential issues.

Social Security Numbers: Compare SSN(s) across all file documents.

Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

Data Consistency: Review the documents contained in the loan file for consistency of data.

Third Party Fraud Tools: To the extent a third-party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

Independent Third-Party Values

Review each loan to determine whether a third-party valuation product was required and if required, that the third-party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products.

i) Consultant will perform the following steps.

Property is complete

Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

Property is described in average or better condition

No apparent appraiser independence violation statements

Appraisal addresses any adverse comments

Appraisal is completed on appropriate GSE Forms

Appraisal contains required attachments.

Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor does not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal. Consultant did not receive an attestation for any of the third party valuation products.

Value Review Disclaimer

The individuals performing the above procedures are not persons providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

Opus is not an Appraisal Management Company (“AMC”) and therefore does not opine on the actual value of the underlying property.

Opus is not a creditor within the meaning of the Equal Credit Opportunity Act (“ECOA”) or other lending laws and regulations, and therefore Opus will not have communications with or responsibility to any individual concerning property valuations.

Properties in FEMA declared disaster zones.

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

No apparent damage to the property

Property appears to be occupied

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DSCR Loan Review

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the “Underwriting Guidelines”) are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

Borrower Underwriting:

Borrower Liquidity: Review and confirm borrower’s liquidity position adheres to Underwriting Guidelines.

Credit / Background Check: Review and confirm that each guarantor and/or owner of the borrowing entity's requirements meet Underwriting Guidelines, including OFAC.

Property management questionnaire: Review the questionnaire to confirm management experience meets Underwriting Guidelines.

Borrowing Entity: Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits: Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

Permitted Loan Terms: Confirm the loan terms are eligible per the Underwriting Guidelines.

Property Requirements and Market Requirements: Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

DSCR—ensure components of Debt Service Coverage Ratio are identified correctly: Recalculation of DSCR

Title Insurance Requirements are met per Guidelines only as follows

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

Condominium Eligibility: Confirm Condo Master Policy is present and meets the Underwriting Guidelines

Property Insurance: Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

Preliminary/Commitment Title: Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

Credit Document Check

Loan Application: Verify the presence and completeness of both the initial and final loan applications.

Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that the file contains a verification of rent or a verification of mortgage form.

Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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Document Review

Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

Verifying presence of a complete Certification of Non-Owner Occupancy.

Compliance

State and Local High Cost Mortgage regulations, including:

Cook County High Cost Ordinance

City of Chicago High Cost Ordinance

Anti-predatory lending laws, including:

Minnesota §58 on or after 8/1/2008

Virginia Lender and Broker Act after 6/1/2008

Data Compare

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

Borrower Self-Employment Flag

Interest Only Flag

Junior Lien Balance

Loan Purpose

Loan Type

Number of Units

Occupancy

Originator QM Status

Primary Appraised Property Value

Property Address

Property City

Property State

Property Type

Property Zip Code

Qualifying CLTV

Qualifying FICO

Qualifying Housing Debt Income Ratio

Qualifying Interest Rate

Qualifying Loan Amount

Qualifying LTV

Sales Price

Term

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Rating Agency Grading Criteria

Fitch Ratings Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

Moody’s Investor Services Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody’s in their current industry publications as updated from time to time.

Kroll Bond Rating Agency LLC Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

S&P Global Ratings Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor’s in their current industry publications and updated from time to time.

DBRS Morningstar Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

Opus Credit Grades

Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

Opus Property Grades

Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

Opus Compliance Grades

Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance, but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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Pool Details

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Tape Discrepancies

Data Element	Count	Accuracy
Borrower 1 First Name	2	98.15%
Borrower 1 Last Name	8	92.59%
Note Date	1	99.07%
Prepayment Penalty Flag	2	98.15%
Qualifying CLTV	2	98.15%
Qualifying FICO	5	95.37%
Qualifying LTV	2	98.15%
Qualifying Total Debt Income Ratio	14	87.04%
Total Number of Loans	108

Multiple Loans to One Borrower: TPR firm reviewed common identifiers for all loans in the population and confirmed there were three (3) obligor with multiple loans in the pool.

Property Inspection Waivers: No loans had a Property Inspection Waiver.

Loan Grading Definitions

Credit

S&P	Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	A	Loan conforms to all applicable guidelines, no conditions noted
B	B	B	B	B	Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors
C	C	C	C	C	The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors
D	D	D	D	D	The loan file is missing critical documentation required to perform the review

Compliance

S&P	Moody’s	Kroll	DBRS	Definition
A	A	A	A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	B	B	B	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist
C	C	C	C	The loan includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	D	D	D	The loan file is missing critical documentation required to perform the review

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Fitch	Definition
A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented
C	The loan includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	The loan file is missing critical documentation required to perform the review

Property Valuation

Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	B	B	B	Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability
C	C	C	C	Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	D	D	D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

S&P	Definition
A	First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability
C	Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

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Loan Review Findings

The following summarizes Consultant’s final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 04, 2026.

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Page 18 of 19

Loans Reviewed

(108 Loans)

400167533	400167581	400175424	400167514
400175461	400167450	400167543	400175425
400167571	400167485	400175426	400179036
400167464	400167646	400160703	400167640
400167427	400167549	400167603	400175555
400193102	400175537	400175630	400167721
400167584	400167695	400167673	400175532
400175520	400175548	400175491	400175436
400167708	400167451	400167587	400167478
400167406	400175490	400167597	400175637
400167649	400175516	400167698	400175596
400167671	400167471	400175634	400178873
400175595	400167662	400167369	400178896
400178819	400167504	400167375	400175499
400178814	400175401	400178931	400175423
400167350	400178958	400175545	400175506
400179013	400175554	400175581	400175447
400175529	400179066	400175526	400178788
400179050	400175626	400178934	400178973
400175412	400175503	400175662	400175403
400175421	400179045	400175610	400193029
400178851	400179083	400178996	400178979
400175649	400175527	400178969	400175651
400175498	400178957	400178914	400175478
400175449	400193035	400179068	400178965
400194047	400193069	400193057	400192974
400178924	400167639	400179018	400175534

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

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Seller

Loan ID

ALT ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXXX

400167533

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Receipt of rent provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Feb rent receipt uploaded - Buyer-XX/XX/XXXX

Open-Missing evidence of 1-month of receipt of lease amount or proof of receipt of security deposit for use of lease amount in DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Receipt of rent provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXX Rent Receipt.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXX

N/A

XXXXX

400167514

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Hazard Insurance Policy is Missing

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX

Open-Missing Hazard Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX-HOI paid confirmation.pdf
XXXXX_XXXXX-HOI.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400167450

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Entity approval provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Is this what you're looking for. Entity review report. - Buyer-XX/XX/XXXX

Open-Missing evidence all entity documents were submitted to the lender for prior approval as required by loan approval for loans vested in an LLC/Corp. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Entity approval provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX - Entity Review XXXXX - $X,XXX.XX - FINAL.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400167450

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Expiration Date is before the Note Date

Resolved-Hazard Insurance Expiration Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see response to condition. The policy term is toward the bottom of the HOI. - Buyer-XX/XX/XXXX
Open-Hazard Insurance Expiration Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Hazard Insurance Expiration Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX ON EXPIRATION DATE ON HOI.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400167450

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Borrower

Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see updated VOM - Buyer-XX/XX/XXXX

Ready for Review-Please be specific what section is incomplete - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX VOM.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175425

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Mortgage Riders - 1-4 Family Rider

Resolved-Rider included into mortgage. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Lightning Docs does not print condo/pud riders, they are built into the form. See page 19 of the Mortgage, sections 38 & 38.1. Please clear - Buyer-XX/XX/XXXX

Open-1-4 Family Rider is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Rider included into mortgage. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

N/A

XXXXX

400175425

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Most Recent Primary Appraisal Not Provided to Applicant

Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

Investor Post-Close

XXXXX

400175425

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is after the application date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

Investor Post-Close

XXXXX

400167571

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Using lower market rent for DSCR of 1.28. Finding resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Using the lower XXXXX rents of $X,XXX.XX0 a month, the DSCR is still in range at 1.28. - Buyer-XX/XX/XXXX

Open-Missing 1-month of receipt of lease amount or evidence of the receipt and clearance of the security deposit which is required by guidelines for use of higher lease amount as qualifying rent amount. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Using lower market rent for DSCR of 1.28. Finding resolved - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXX

N/A

XXXXX

400175426

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-AirDNA report provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded AirDNA - Buyer-XX/XX/XXXX

Open-Missing AirDNA report for short-term rental. Additional conditions may apply upon receipt of documentation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-AirDNA report provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400179036

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Business Purpose Affidavit

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Hi see attached again :) - Buyer-XX/XX/XXXX

Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX-Business purpose of loan.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXX

N/A

XXXXX

400167464

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Seasoning Requirements Not Met

Waived-Document Uploaded. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Escalated-Escalated - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please see the upl doc. DSCR is now 1.21 using 120% of the actual rents per guideline 1.8.2.1.1. - Buyer-XX/XX/XXXX

Open-For cash-out transactions with ownership < 6 months, lender's guidelines require DSCR > 1.15; however, despite this requirement, the DSCR is 1.011. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX Loan Decision- XXXXX.pdf
XXXXX XXXXX PCE.pdf

FICO 10 pts above requirement for the tier
Experienced Investor

Investment

Refinance

Cash Out - Other

XXXXX

Originator Post-Close

XXXXX

400175555

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Final HUD/Settlement Statement Not Provided

Resolved-Full HUD-1 provided. Finding resolved - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded final HUD with settlement info - Seller-XX/XX/XXXX

Counter-Received executed Settlement Statement; however, the document is missing the settlement information, finding remains - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded FSS - Seller-XX/XX/XXXX

Open-The final HUD/Settlement Statement is missing. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded final HUD with settlement info - Seller-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded FSS - Seller-XX/XX/XXXX

Resolved-Full HUD-1 provided. Finding resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX FSS.pdf
XXXXX XXXXX Final HUD.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175555

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. "Review Appraiser's Opinion of Market Value" section states "Required only if review appraiser answered No to Question 13 in Section 1", see snips uploaded. Appraiser marked section 13 YES, therefore "review appraiser's opinion of market value" section is not required to be filled out. Please clear - Buyer-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. The loan file contains a Field Review appraisal; however, the "review appraiser's opinion of market value" section is not completed. Additionally, lender's guidelines require a field review if desk review value is more than 10% below the appraised value but the desk review was not found in file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXX.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175555

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 23.38 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cash out proceeds from the transaction meet reserve requirements per the HEM guidelines and matrix, see snips uploaded. In this case borrower received more than $X,XXX.XX at closing and the 3mos of reserves was just over $X,XXX.XX. Please clear - Buyer-XX/XX/XXXX
Open-Audited Reserves of 0.31 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audited Reserves of 23.38 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX GL XXXXX.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175555

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Cash out proceeds from the transaction meet reserve requirements per the HEM guidelines and matrix, see snips uploaded. In this case borrower received more than XXX at closing and the 3mos of reserves was just over 11K. Please clear - Buyer-XX/XX/XXXX
Open-Total Qualified Assets for Reserves Post-Close of $XXXX,XX is less than Total Required Reserve Amount of $XXXXX - Due Diligence Vendor-XX/XX/XXXX

Resolved-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is equal to or greater than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400193102

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Thank you for providing the final HUD-1. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. all pages uploaded - Buyer-XX/XX/XXXX

Counter-HUD provided is missing page 1. Not resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final HUD uploaded - Buyer-XX/XX/XXXX

Open-Final HUD-1 Document is Missing HUD-1 in file is marked "estimated". - Due Diligence Vendor-XX/XX/XXXX

Resolved-Thank you for providing the final HUD-1. Resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XX-final hud.pdf
XXXXX_XX-complete final hud.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175630

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Loan Amount is less than Guideline Minimum Loan Amount

Waived-Audited Loan Amount of $X,XXX.XX is less than the Guideline Minimum Loan Amount of $100,000 , However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Waived. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Waived-Audited Loan Amount of $X,XXX.XX is less than the Guideline Minimum Loan Amount of $X,XXX.XX , However Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Waived. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

1. DSCR > 1.25 Confirmed
2. Experienced Investor Confirmed

Investment

Refinance

Cash Out - Other

XXXXX

Investor Post-Close

XXXXX

400175630

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited CLTV Exceeds Guideline CLTV

Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender provided approved exception dated post consummation and all lender compensating factors have been validated. Waived. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see the upl PCE - Buyer-XX/XX/XXXX

Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% for a cash out refinance with a FICO of 682 - Due Diligence Vendor-XX/XX/XXXX

XXXXX PCE XXXXX.pdf

DSCR > 1.25, Reserves > 12 months

Investment

Refinance

Cash Out - Other

XXXXX

Originator Post-Close

XXXXX

400175630

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender provided approved exception dated post consummation and all lender compensating factors have been validated. Waived. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please see the upl PCE - Buyer-XX/XX/XXXX

Open-Audited LTV of 75% exceeds Guideline LTV of 70% for a cash out refinance with a FICO of 682 - Due Diligence Vendor-XX/XX/XXXX

XXXXX PCE XXXXX.pdf

DSCR > 1.25, Reserves > 12 months

Investment

Refinance

Cash Out - Other

XXXXX

Originator Post-Close

XXXXX

400167584

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval and rate lock provided.  Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Rate Quote & confirmation of rate lock are the same  - Buyer-XX/XX/XXXX

Counter-Please confirm, if Rate Quote is the same as a Confirmation of rate lock.  Thank you - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. please see the uploaded docs  - Buyer-XX/XX/XXXX

Open-Missing Approval/Underwriting Summary Missing Lender loan approval containing DSCR calculation and rate lock date. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Approval and rate lock provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX Rate Quote Business Purpose.pdf
XXXXX XXXXX Loan Decision- theDSCR_1.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400175532

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Documentation provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX

Open-Provide Evidence of P&I payment and Final HUD from Refinance of REO property (#XXXXX) with sufficient funds to close this transaction, and any payoffs that were made with the refinance. Additional Conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX Final SS.pdf

Note.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400175532

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

Investor Post-Close

XXXXX

400175520

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Missing Home Inspection

Resolved-Inspection provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Upld inspection - Buyer-XX/XX/XXXX

Open-The Home Inspection is missing from the file. Per Non-QHEM Guides, Geographic Restriction section: properties located in Florida condo projects > 3 stories and more than 30 years old (or 25 years old if located within 3 miles of the coast) require and inspection. No inspection in file. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Inspection provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX XXXXX XXXXX XXXXX XXXXX Milestone Report.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175520

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Documentation provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. -Provide Evidence of P&I payment and Final HUD from Refinance of REO property (#XXXXX) with sufficient funds to close this transaction - Buyer-XX/XX/XXXX

Open-Provide Final evidence of PITIA payment, balance and rental income (if applicable), for REO being purchased. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Documentation provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX Final SS.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175520

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Investment

Refinance

Cash Out - Other

XXXXX

Investor Post-Close

XXXXX

400175548

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX

Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXXX

Investor Post-Close

XXXXX

400167478

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-documents received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Due Diligence Vendor-XX/XX/XXXX

Resolved-PITI received for unit 1. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded - Unit 1 evidence of Final balance and PITI - Buyer-XX/XX/XXXX

Open-Provide evidence of Final balance and PITI payment for Unit #1. - Due Diligence Vendor-XX/XX/XXXX

Resolved-documents received. - Due Diligence Vendor-XX/XX/XXXX

Resolved-PITI received for unit 1. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - Unit 1 evidence of balance and PITI.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400167478

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Investment

Refinance

Cash Out - Other

XXXXX

Investor Post-Close

XXXXX

400167406

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-documents received. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review- - Due Diligence Vendor-XX/XX/XXXX

Resolved-final PITI provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded - evidence of final balance and PITI for Unit #3 - Seller-XX/XX/XXXX

Open-Provide evidence of Final PITIA payment for the refinance of Unit #3. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded - evidence of final balance and PITI for XXXXX - Seller-XX/XX/XXXX

Resolved-documents received. - Due Diligence Vendor-XX/XX/XXXX

Resolved-final PITI provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - Evidence of final balance and PITI Unit #X.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400167406

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Disclosure

Taxpayer Consent Form Missing

Resolved-Transcripts not required. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is a NONQM Business Purpose Loan and does not require Taxpayer Consent Form - Seller-XX/XX/XXXX

Open-Post December 28, XXXXX, the required Taxpayer Consent Form is missing from the file. Taxpayer Consent Form is missing from the file. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-This is a NONQM Business Purpose Loan and does not require Taxpayer Consent Form - Seller-XX/XX/XXXX

Resolved-Transcripts not required. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

N/A

XXXXX

400167406

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

HO6 Insurance Policy is Partial

Resolved-Document Uploaded. uploaded hazard policy with policy number - Seller-XX/XX/XXXX

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Open-HO-6 Insurance Policy Partially Provided The policy number is missing on insurance policy. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Document Uploaded. uploaded hazard policy with policy number - Seller-XX/XX/XXXX

Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - Insurance Binder with policy #.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400167406

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Condo Master Insurance Policy

Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see uploaded updated Master Policy - Seller-XX/XX/XXXX

Open-Missing Condo Master Insurance Policy The master policy in file expired XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. see uploaded updated Master Policy - Seller-XX/XX/XXXX

Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - Updated Master Policy.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400167406

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

ECOA: Appraisal Disclosure Missing or Incomplete

Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

Investor Post-Close

XXXXX

400167597

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of rate lock provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Lock uploaded - Buyer-XX/XX/XXXX

Open-Missing evidence of rate lock
- Due Diligence Vendor-XX/XX/XXXX

Resolved-Evidence of rate lock provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX Lock.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXX

N/A

XXXXX

400167698

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Asset 3 Does Not Meet Guideline Requirements

Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. our final SS is signed and dated on page 4 please clear finding :) - Buyer-XX/XX/XXXX

Open-Asset Record 3 Does Not Meet G/L Requirements Settlement Statement from refinance is not signed or dated. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXXX-Final SS is signed and dated.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400175596

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Executed lease provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded signed Cost of Living Lease - Buyer-XX/XX/XXXX

Open-The "Cost of Living Net Lease" is not signed or dated. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Executed lease provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX Cost of Living Lease.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175596

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Entity Percentage Ownership

Resolved-Borrower's percentage of ownership received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded stock certificate - Buyer-XX/XX/XXXX

Open-Missing Evidence of Entity Percentage Ownership for each guarantor.
Missing evidence of entity percentage of ownership for borrower. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Borrower's percentage of ownership received, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX Stock Certificate.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400167471

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Resolved-Sufficient assets provided.  Finding resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the upl doc  - Buyer-XX/XX/XXXX
Counter-Uploaded verification is not dated. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Per funder see the upl  - Buyer-XX/XX/XXXX
Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XXX,XXX.XX less cash to close of $XX,XXX.XX and less verified EMD of $X,XXX.XX results in $X,XXX.XX shortage of funds to close. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Sufficient assets provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX prf of funds.pdf
XXXXX XXXXX XXXXX XXXXX XXXXX _ XXXXX Balance.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400167369

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

XXXXX

HighCost: Fees

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Rescinded-The loan fees ($X,XXX.XX) exceed the (MD2014) High Cost fee limit, which is ($X,XXX.XX), the difference is ($X,XXX.XX). XXXXX did not deduct bona fide points. Reduction basis changed from 0.10% to 0.20% while in the loan. Reduction in Rate is 0.19 and approved to rescind by XXXXX. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX
Rescinded-The loan fees ($X,XXX.XX) exceed the (MD2014) High Cost fee limit, which is ($X,XXX.XX), the difference is ($X,XXX.XX). XXXXX did not deduct bona fide points. Reduction basis changed from 0.10% to 0.20% while in the loan. Reduction in Rate is 0.19 and approved to rescind by XXXX. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400167375

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

The Note is Missing

Resolved-Audit Value Pulled from Note - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Uploaded note - Buyer-XX/XX/XXXX

Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Audit Value Pulled from Note - Due Diligence Vendor-XX/XX/XXXX

Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXX Note.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400175401

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

XXXXX

Investor Post-Close

XXXXX

400178958

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing rent comparable schedule form XXXXX

Resolved-Received AirDNA report for use of short-term rental, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. AirDNA uploaded, which confirms the STR used for the DSCR calculation. - Buyer-XX/XX/XXXX

Open-Missing rent comparable schedule form XXXXX. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received AirDNA report for use of short-term rental, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - rentalizer-report.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400179013

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-AirDNA report received for evidence of short-term rental, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. uploaded AirDNA - Buyer-XX/XX/XXXX

Open-Missing Short-Term Rental Documentation. Additional conditions may apply upon receipt of documentation. - Due Diligence Vendor-XX/XX/XXXX

Resolved-AirDNA report received for evidence of short-term rental, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX XXXXX.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400175529

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Initial CD provided.  Finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR $X,XXX.XX(f)(1)(ii)(A)); $X,XXX.XX(f)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. please see attached  initial closing disclosure dated XX/XX/XXXX - Buyer-XX/XX/XXXX
Counter-Please provide the initial closing disclosure dated XX/XX/XXXX per disclosure tracking document.  Thank you. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. please see attached for   Disclosure Tracking Details and   The initial CD  XX/XX/XXXX - Buyer-XX/XX/XXXX
Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR $X,XXX.XX(f)(1)(ii)(A)); $X,XXX.XX(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Initial CD provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX-Loan Estimate initial cdXX/XX/XXXX.pdf
XXXXX_XXXXX-disclosures.pdf
XXXXX_XXXXX-Closing Disclosure- FinalXX/XX/XXXX.pdf
XXXXX_XXXXX-Loan-CD dated XX/XX/XXXX encompass.pdf
XXXXX_XXXXX-Loan-CD datedXX/XX/XXXX.pdf

Primary Residence

Purchase

XXXXX

N/A

XXXXX

400179050

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Initial CD provided. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. see attached - Initial CD - Buyer-XX/XX/XXXX
Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR $X,XXX.XX(f)(1)(ii)(A)); $X,XXX.XX(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX
Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Initial CD provided. Finding Resolved - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - Initial CD with POD.pdf

Primary Residence

Purchase

XXXXX

N/A

XXXXX

400175412

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

The Final 1003 is Not Executed

Resolved-Received executed final loan application, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Included audit history for esigned application - Buyer-XX/XX/XXXX

Ready for Review-Document Uploaded. Commercial Loan application executed. - Buyer-XX/XX/XXXX

Open- - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received executed final loan application, finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX - Commercial Loan Application.pdf
XXXXX_XXXXX - Audit history for application.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400175503

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Final HUD/Settlement Statement Not Provided

Resolved-The final Settlement Statement was provided, condition resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Upld Correct Final CD revised XX/XX/XXXX
- Buyer-XX/XX/XXXX
Open-The final HUD/Settlement Statement is missing. The Settlement Statement present in the loan file is missing the settlement date and disbursement date. - Due Diligence Vendor-XX/XX/XXXX

Resolved-The final Settlement Statement was provided, condition resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX-Correct Final CD revised XX/XX/XXXX.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXX

N/A

XXXXX

400175662

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Received duplicate CD dated XX/XX/XXXX. Need COC for Final CD dated XX/XX/XXXX. Not resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-UND and 1003 uploaded - Buyer-XX/XX/XXXX
Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The Undisclosed Debt Report indicates a New Auto loan opened XX/XX/XXXX with XXXXX. This debt was not included on the origination credit report and no credit supplement was provided with the balance and payment to include in the DTI. The Borrower stated on the LOX in file that the Credit Inquiry to XXXXX was for the Mortgage Application and no new debt acquired. However, the credit inquiry on the credit report, dated XX/XX/XXXX, from XXXXX shows the inquiry was for an Automotive. No documentation provided to verify the balance and payment for this debt to add to the DTI. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

XXXXX

N/A

XXXXX

400175662

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Received duplicate CD dated XX/XX/XXXX. Need COC for Final CD dated XX/XX/XXXX. Not resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. UND and 1003 uploaded - Buyer-XX/XX/XXXX
Open-The Undisclosed Debt Report indicates a New Auto loan opened XX/XX/XXXX with XXXXX. This debt was not included on the origination credit report and no credit supplement was provided with the balance and payment to include in the DTI. The Borrower stated on the LOX in file that the Credit Inquiry to XXXXX was for the Mortgage Application and no new debt acquired. However, the credit inquiry on the credit report, dated XX/XX/XXXX, from XXXXX shows the inquiry was for an Automotive. Provide a credit supplement or auto financing paperwork to verify the balance and payment for this debt. Additional conditions may apply. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Received duplicate CD dated XX/XX/XXXX. Need COC for Final CD dated XX/XX/XXXX. Not resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX XXXXX UND and 1008.pdf

Primary Residence

Purchase

XXXXX

N/A

XXXXX

400179083

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing Final HUD-1: HUD in file Not Signed or Stamped Certified

Resolved-Final HUD provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. See uploaded Certified Final Settlement Statement. - Buyer-XX/XX/XXXX

Open-Missing Final HUD-1: Compliance testing utilized Unexecuted & Uncertified HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Final HUD provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX XXXXX - Certified Final ALTA Settlement Combined.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400179083

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Disclosure

ECOA: Appraisal Disclosure Not Provided Timely

Investment

Purchase

XXXXX

Investor Post-Close

XXXXX

400175649

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see uploaded PCE. - Buyer-XX/XX/XXXX
Counter-Per the Lenders Guidelines, HEM Non-Agency – Non-QHEM/theNONI , dated XX/XX/XXXX, page 36 : Business accounts may be considered for assets.  DSCR -Assets not held in the name of the vested entity: The amount of business assets that may be utilized is limited to the borrower’s ownership percentage in the business. Though the co-owner of that account/business is also an owner of the vested LLC, he is not a borrower on this loan. Alsio, only his name appears on the statements for that account. Not resolved.
  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-These assets are in the name of the vested LLC and show the funds needed from this file including reserves.
The assets that were in the file at closing were in the name of an LLC that owns the vested LLC.
Our borrower is an owner of XXXXX and XXXXX is the owner of the vesting business. (also the owner of XXXXX asset account).
- Seller-XX/XX/XXXX
Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XX,XXX.XX Assets not held in the name of the vested entity therefore business assets utilized limited to B2 percentage of ownership. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-These assets are in the name of the vested LLC and show the funds needed from this file including reserves.
The assets that were in the file at closing were in the name of an LLC that owns the vested LLC.
Our borrower is an owner of XXXXX and XXXXX is the owner of the vesting business. (also the owner of XXXXX asset account).
- Seller-XX/XX/XXXX

XXXXX_XXXXX PCE.pdf

Experienced Investor
Minimal Consumer Debt
FICO > 10pts above requirement

Investment

Purchase

XXXXX

Originator Post-Close

XXXXX

400175649

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Assets

Insufficient asset documentation in file - assets do not cover closing costs

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please see uploaded PCE. - Seller-XX/XX/XXXX
Counter-Per the Lenders Guidelines, HEM Non-Agency – Non-QHEM/theNONI , dated XX/XX/XXXX, page 36 : Business accounts may be considered for assets.  DSCR -Assets not held in the name of the vested entity: The amount of business assets that may be utilized is limited to the borrower’s ownership percentage in the business. Though the co-owner of that account/business is also an owner of the vested LLC, he is not a borrower on this loan. Alsio, only his name appears on the statements for that account. Not resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-These assets are in the name of the vested LLC and show the funds needed from this file including reserves.
The assets that were in the file at closing were in the name of an LLC that owns the vested LLC.
Our borrower is an owner of XXXXX and XXXXX is the owner of the vesting business. (also the owner of XXXXX asset account).
- Seller-XX/XX/XXXX
Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $XXX,XXX.XX less cash to close of $XXX,XXX.XX results in $XXX,XXX.XX shortage of funds to close. Assets not held in the name of the vested entity therefore business assets utilized limited to B2 percentage of ownership. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please see uploaded PCE. - Seller-XX/XX/XXXX
Ready for Review-These assets are in the name of the vested LLC and show the funds needed from this file including reserves.
The assets that were in the file at closing were in the name of an LLC that owns the vested LLC.
Our borrower is an owner of XXXXX and XXXXX is the owner of the vesting business. (also the owner of XXXXX asset account).
- Seller-XX/XX/XXXX

Experienced Investor
Minimal Consumer Debt
FICO > 10pts above requirement

Investment

Purchase

XXXXX

Originator Post-Close

XXXXX

400175649

Closed

XX/XX/XXXX

Waived

2 - Non-Material

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of 5.51 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please see uploaded PCE. - Seller-XX/XX/XXXX
Counter-Per the Lenders Guidelines, HEM Non-Agency – Non-QHEM/theNONI , dated XX/XX/XXXX, page 36 : Business accounts may be considered for assets.  DSCR -Assets not held in the name of the vested entity: The amount of business assets that may be utilized is limited to the borrower’s ownership percentage in the business. Though the co-owner of that account/business is also an owner of the vested LLC, he is not a borrower on this loan. Alsio, only his name appears on the statements for that account. Not resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. These assets are in the name of the vested LLC and show the funds needed from this file including reserves.
The assets that were in the file at closing were in the name of an LLC that owns the vested LLC.
Our borrower is an owner of XXXXX and XXXXX is the owner of the vesting business. (also the owner of XXXXX asset account).
- Buyer-XX/XX/XXXX
Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of 3 month(s) Audited reserves of 0 months are less than guideline required reserves of 3 months. Assets not held in the name of the vested entity therefore business assets utilized limited to B2 percentage of ownership. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Please see uploaded PCE. - Seller-XX/XX/XXXX

XXXXX_XXXXX XXXXX XXXXX XXXXX XXXXX ACCT # XXXXX $X,XXX.XX as of XX/XX/XXXX.pdf

Experienced Investor
Minimal Consumer Debt
FICO > 10pts above requirement

Investment

Purchase

XXXXX

Originator Post-Close

XXXXX

400175651

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged- This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-XX/XX/XXXX

Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice missing in the loan file - Due Diligence Vendor-XX/XX/XXXX

Acknowledged- This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-XX/XX/XXXX

Second Home

Refinance

Cash Out - Other

XXXXX

Investor Post-Close

XXXXX

400175498

Closed

XX/XX/XXXX

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing. - Due Diligence Vendor-XX/XX/XXXX

Primary Residence

Purchase

XXXXX

Investor Post-Close

XXXXX

400175478

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Disaster End Date XX/XX/XXXX. Appraisal Effective Date (inspected) XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Post incident inspection provided - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-LOX uplaoded - Buyer-XX/XX/XXXX

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. LOE uploaded - Buyer-XX/XX/XXXX

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX-LOX reg.post incident inspection.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400178965

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Thank you for providing the PCCD. resolved.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-Audited Reserves of 6.3 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached PCCD showing the gift funds that were wired to closing along with fedex confirmation that this PCCD with gift funds included is being overnighted to borrower.  The donor was borrower XXXXX so I’m certain she was aware of the gift wires to closing.   - Seller-XX/XX/XXXX
Counter-Audit has reviewed the documents provided and determined that there are sufficient assets. However, a copy of the Final CD showing the 2 additional gifts wired to closing for XXXXX and XXXXX is required to verify proper credit to the transaction. Also note, provide documentation that the Final CD with the gift funds was provided to the borrower. Not resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Audit has reviewed the documents provided and determined that there are sufficient assets. However, a copy of the Final CD showing the 2 additional gifts wired to closing for XXXXX and XXXXX is required to verify proper credit to the transaction. Also note, provide documentation that the Final CD with the gift funds was provided to the borrower.  Not resolved.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final CD showed borrower needed $X,XXX.XX to close the loan.  Donor wired XXXXX to escrow from two gifts (one for XXXXX and the other for XXXXX), those are attached.  Donor also previously wired another XXXXX to escrow for the earnest money deposit (this is also attached).  Total gifts from donor were XXXXX (updated gift letter attached).  The borrower wired XXXXX to close from one business account, XXXXX from another business account and then wrote a check for $X,XXX.XX for the last amount to get us to the XXXXX,XXXXX for closing, all of this is attached.  Finally, the two borrower business accounts had more than enough between them to meet reserve requirements.  Business acct ending in XXXXX had $X,XXX.XX44 left after removing the XXXXX wire and business acct ending in XXXXX had $X,XXX.XX in it after removing the XXXXX wire and the $X,XXX.XX check written at closing.  Borrower needed just over XXXXX to meet the 3mos of reserves, between both accounts they had more than XXXXX left.  Let me know if you need anything else, thank you! - Buyer-XX/XX/XXXX
Open-Audited Reserves of 2.53 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see attached PCCD showing the gift funds that were wired to closing along with fedex confirmation that this PCCD with gift funds included is being overnighted to borrower. The donor was borrower XXXXX so I’m certain she was aware of the gift wires to closing. - Seller-XX/XX/XXXX

XXXXX_XXXXX-Gift letter XXXXX signed.pdf
XXXXX_XXXXX-business acct XXXXX with XXXXX.pdf
XXXXX_XXXXX- wires to closing.pdf
XXXXX_XXXXX- business acct XXXXX with XXXXX.pdf
XXXXX_XXXXX- FEDEXTracking.pdf
XXXXX_XXXXX-PCCD.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400178965

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Resolved-Total Qualified Assets for Reserves Post-Close of $XXX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Resolved-Thank you for providing the updated gift letter and wire transfer receipts. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Total Qualified Assets for Reserves Post-Close of $XX,XXX.XX is equal to or greater than Total Required Reserve Amount of $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final CD showed borrower needed $XXX,XXX to close the loan. Donor wired XXXXX to escrow from two gifts (one for XXXXX and the other for XXXXX), those are attached. Donor also previously wired another XXXXX to escrow for the earnest money deposit (this is also attached). Total gifts from donor were XXXXX (updated gift letter attached). The borrower wired XXXXX to close from one business account, XXXXX from another business account and then wrote a check for $X,XXX.XX for the last amount to get us to the XXXXX for closing, all of this is attached. Finally, the two borrower business accounts had more than enough between them to meet reserve requirements. Business acct ending in XXXXX had $X,XXX.XX left after removing the XXXXX wire and business acct ending in XXXXX had $X,XXX.XX in it after removing the XXXXX wire and the $X,XXX.XX check written at closing. Borrower needed just over XXXXX to meet the 3mos of reserves, between both accounts they had more than XXXXX left. Let me know if you need anything else, thank you! - Seller-XX/XX/XXXX
Open-Total Qualified Assets for Reserves Post-Close of $X,XXX.XX is less than Total Required Reserve Amount of $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final CD showed borrower needed $X,XXX.XX to close the loan. Donor wired $X,XXX.XX to escrow from two gifts (one for $X,XXX.XX and the other for $X,XXX.XX ), those are attached. Donor also previously wired another $X,XXX.XX to escrow for the earnest money deposit (this is also attached). Total gifts from donor were $X,XXX.XX (updated gift letter attached). The borrower wired $X,XXX.XX to close from one business account, $X,XXX.XX from another business account and then wrote a check for $X,XXX.XX for the last amount to get us to the $X,XXX.XX for closing, all of this is attached. Finally, the two borrower business accounts had more than enough between them to meet reserve requirements. Business acct ending in XXXXX had $X,XXX.XX left after removing the $X,XXX.XX wire and business acct ending in XXXXX had $X,XXX.XX in it after removing the $X,XXX.XX wire and the $X,XXX.XX check written at closing. Borrower needed just over $X,XXX.XX to meet the 3mos of reserves, between both accounts they had more than $X,XXX.XX left. Let me know if you need anything else, thank you! - Seller-XX/XX/XXXX

Resolved-Total Qualified Assets for Reserves Post-Close of $84562.77 is equal to or greater than Total Required Reserve Amount of $40238.1 - Due Diligence Vendor-XX/XX/XXXX
Resolved-Total Qualified Assets for Reserves Post-Close of $194,260 is equal to or greater than Total Required Reserve Amount of $40238.1 - Due Diligence Vendor-XX/XX/XXXX
Resolved-Thank you for providing the updated gift letter and wire transfer receipts. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Total Qualified Assets for Reserves Post-Close of $84562.77 is equal to or greater than Total Required Reserve Amount of $40238.1 - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX-Gift letter XXXXX signed.pdf
XXXXX_XXXXX- business acct XXXXX with XXXXX.pdf
XXXXX_XXXXX-business acct XXXXX with XXXXX.pdf
XXXXX_XXXXX- wires to closing.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400178965

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Asset 3 Missing

Resolved-Thank you for providing the updated gift letter and wire transfer receipts. Resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Final CD showed borrower needed $XXX,XXX to close the loan. Donor wired XXXXX to escrow from two gifts (one for XXXXX and the other for XXXXX), those are attached. Donor also previously wired another XXXXX to escrow for the earnest money deposit (this is also attached). Total gifts from donor were XXXXX (updated gift letter attached). The borrower wired XXXXX to close from one business account, XXXXX from another business account and then wrote a check for $X,XXX.XX for the last amount to get us to the XXX,XXX for closing, all of this is attached. Finally, the two borrower business accounts had more than enough between them to meet reserve requirements. Business acct ending in XXXXX had $X,XXX.XX left after removing the XXXXX wire and business acct ending in XXXXX had $X,XXX.XX in it after removing the XXXXX wire and the $X,XXX.XX check written at closing. Borrower needed just over XXXXX to meet the 3mos of reserves, between both accounts they had more than XXXXX left. Let me know if you need anything else, thank you! - Seller-XX/XX/XXXX
Open-Asset 3 Missing Gift letter provided amount does not match the payments to the title company. Provide sufficient documentation to verify the transfer. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Final CD showed borrower needed $X,XXX.XX to close the loan. Donor wired $X,XXX.XX to escrow from two gifts (one for $X,XXX.XX and the other for $X,XXX.XX), those are attached. Donor also previously wired another $X,XXX.XX to escrow for the earnest money deposit (this is also attached). Total gifts from donor were $X,XXX.XX (updated gift letter attached). The borrower wired $X,XXX.XX to close from one business account, $X,XXX.XX from another business account and then wrote a check for $X,XXX.XX for the last amount to get us to the $X,XXX.XX for closing, all of this is attached. Finally, the two borrower business accounts had more than enough between them to meet reserve requirements. Business acct ending in XXXXX had $X,XXX.XX left after removing the $X,XXX.XX wire and business acct ending in XXXXX had $X,XXX.XX in it after removing the XXXXX wire and the $X,XXX.XX check written at closing. Borrower needed just over $X,XXX.XX to meet the 3mos of reserves, between both accounts they had more than $X,XXX.XX left. Let me know if you need anything else, thank you! - Seller-XX/XX/XXXX

XXXXX_XXXXX-Gift letter XXXXX signed.pdf
XXXXX_XXXXX- business acct XXXXX with XXXXX.pdf
XXXXX_XXXXX-business acct XXXXX with XXXXX.pdf
XXXXX_XXXXX- wires to closing.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400167639

Closed

XX/XX/XXXX

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Rate lock provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. ATTACHED IS THE RATE QUOTE - Buyer-XX/XX/XXXX

Open-Rate lock document is missing - Due Diligence Vendor-XX/XX/XXXX

Resolved-Rate lock provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_ XXXXX Rate Quote Business Purpose.pdf

Investment

Refinance

Cash Out - Other

XXXXX

N/A

XXXXX

400179018

Closed

XX/XX/XXXX

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 2

Resolved-CDA provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Please see uploaded CDA. - Buyer-XX/XX/XXXX

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-XX/XX/XXXX

Resolved-CDA provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX CDA.pdf

Investment

Purchase

XXXXX

N/A

XXXXX

400179018

Closed

XX/XX/XXXX

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-XX/XX/XXXX

Investment

Purchase

XXXXX

Investor Post-Close

XXXXX

400179018

Closed

XX/XX/XXXX

Resolved

1 - Information

Credit

Missing Doc

Missing VOM or VOR

Resolved-VOR provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX

Ready for Review-Document Uploaded. Primary VOR attached for current and previous…LOE in file from landlord for current primary that confirms account is satisfactory w/no lates. - Buyer-XX/XX/XXXX

Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Rent pay History for primary Address - Due Diligence Vendor-XX/XX/XXXX

Resolved-VOR provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX

Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-XX/XX/XXXX

XXXXX_XXXXX VOR Primary (previous).pdf
XXXXX_XXXXX VOR Primary.pdf

Investment

Purchase

XXXXX

N/A

LOAN INFORMATION

INITIAL CREDIT LOAN GRADES

INITIAL COMPLIANCE LOAN GRADES

INITIAL PROPERTY LOAN GRADES

INITIAL OVERALL LOAN GRADES

FINAL CREDIT LOAN GRADES

FINAL COMPLIANCE LOAN GRADES

FINAL PROPERTY LOAN GRADES

FINAL OVERALL LOAN GRADES

Loan ID

ALT ID

Seller Loan ID

Investor Loan ID

Original Loan Amount

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

DBRS/Morningstar

Fitch

Kroll

S&P

Moodys

XXXXX

400167533

$X,XXX.XX

XXXXX

400167581

$X,XXX.XX

XXXXX

400175424

$X,XXX.XX

XXXXX

400167514

$X,XXX.XX

XXXXX

400175461

$X,XXX.XX

XXXXX

400167450

$X,XXX.XX

XXXXX

400167543

$X,XXX.XX

XXXXX

400175425

$X,XXX.XX

XXXXX

400167571

$X,XXX.XX

XXXXX

400167485

$X,XXX.XX

XXXXX

400175426

$X,XXX.XX

XXXXX

400179036

$X,XXX.XX

XXXXX

400167464

$X,XXX.XX

XXXXX

400167646

$X,XXX.XX

XXXXX

400160703

$X,XXX.XX

XXXXX

400167640

$X,XXX.XX

XXXXX

400167427

$X,XXX.XX

XXXXX

400167549

$X,XXX.XX

XXXXX

400167603

$X,XXX.XX

XXXXX

400175555

$X,XXX.XX

XXXXX

400193102

$X,XXX.XX

XXXXX

400175537

$X,XXX.XX

XXXXX

400175630

$X,XXX.XX

XXXXX

400167721

$X,XXX.XX

XXXXX

400167584

$X,XXX.XX

XXXXX

400167695

$X,XXX.XX

XXXXX

400167673

$X,XXX.XX

XXXXX

400175532

$X,XXX.XX

XXXXX

400175520

$X,XXX.XX

XXXXX

400175548

$X,XXX.XX

XXXXX

400175491

$X,XXX.XX

XXXXX

400175436

$X,XXX.XX

XXXXX

400167708

$X,XXX.XX

XXXXX

400167451

$X,XXX.XX

XXXXX

400167587

$X,XXX.XX

XXXXX

400167478

$X,XXX.XX

XXXXX

400167406

$X,XXX.XX

XXXXX

400175490

$X,XXX.XX

XXXXX

400167597

$X,XXX.XX

XXXXX

400175637

$X,XXX.XX

XXXXX

400167649

$X,XXX.XX

XXXXX

400175516

$X,XXX.XX

XXXXX

400167698

$X,XXX.XX

XXXXX

400175596

$X,XXX.XX

XXXXX

400167671

$X,XXX.XX

XXXXX

400167471

$X,XXX.XX

XXXXX

400175634

$X,XXX.XX

XXXXX

400178873

$X,XXX.XX

XXXXX

400175595

$X,XXX.XX

XXXXX

400167662

$X,XXX.XX

XXXXX

400167369

$X,XXX.XX

XXXXX

400178896

$X,XXX.XX

XXXXX

400178819

$X,XXX.XX

XXXXX

400167504

$X,XXX.XX

XXXXX

400167375

$X,XXX.XX

XXXXX

400175499

$X,XXX.XX

XXXXX

400178814

$X,XXX.XX

XXXXX

400175401

$X,XXX.XX

XXXXX

400178931

$X,XXX.XX

XXXXX

400175423

$X,XXX.XX

XXXXX

400167350

$X,XXX.XX

XXXXX

400178958

$X,XXX.XX

XXXXX

400175545

$X,XXX.XX

XXXXX

400175506

$X,XXX.XX

XXXXX

400179013

$X,XXX.XX

XXXXX

400175554

$X,XXX.XX

XXXXX

400175581

$X,XXX.XX

XXXXX

400175447

$X,XXX.XX

XXXXX

400175529

$X,XXX.XX

XXXXX

400179066

$X,XXX.XX

XXXXX

400175526

$X,XXX.XX

XXXXX

400178788

$X,XXX.XX

XXXXX

400179050

$X,XXX.XX

XXXXX

400175626

$X,XXX.XX

XXXXX

400178934

$X,XXX.XX

XXXXX

400178973

$X,XXX.XX

XXXXX

400175412

$X,XXX.XX

XXXXX

400175503

$X,XXX.XX

XXXXX

400175662

$X,XXX.XX

XXXXX

400175403

$X,XXX.XX

XXXXX

400175421

$X,XXX.XX

XXXXX

400179045

$X,XXX.XX

XXXXX

400175610

$X,XXX.XX

XXXXX

400193029

$X,XXX.XX

XXXXX

400178851

$X,XXX.XX

XXXXX

400179083

$X,XXX.XX

XXXXX

400178996

$X,XXX.XX

XXXXX

400178979

$X,XXX.XX

XXXXX

400175649

$X,XXX.XX

XXXXX

400175527

$X,XXX.XX

XXXXX

400178969

$X,XXX.XX

XXXXX

400175651

$X,XXX.XX

XXXXX

400175498

$X,XXX.XX

XXXXX

400178957

$X,XXX.XX

XXXXX

400178914

$X,XXX.XX

XXXXX

400175478

$X,XXX.XX

XXXXX

400175449

$X,XXX.XX

XXXXX

400193035

$X,XXX.XX

XXXXX

400179068

$X,XXX.XX

XXXXX

400178965

$X,XXX.XX

XXXXX

400194047

$X,XXX.XX

XXXXX

400193069

$X,XXX.XX

XXXXX

400193057

$X,XXX.XX

XXXXX

400192974

$X,XXX.XX

XXXXX

400178924

$X,XXX.XX

XXXXX

400167639

$X,XXX.XX

XXXXX

400179018

$X,XXX.XX

XXXXX

400175534

$X,XXX.XX

Loan ID

ALT ID

Seller Loan ID

Investor Loan ID

Lender Application Date

Originator QM Status

Final QM Status

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?

Residual Income

Residual Income Meets Guidelines?

Borrower 1 Employment Indicator

Borrower 2 Employment Indicator

Borrower 1 Foreign National Indicator

Borrower 2 Foreign National Indicator

Business Purpose Loan?

Business Purpose Verified?

XXXXX

400167533

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167581

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175424

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.02

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400167514

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175461

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167450

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167543

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400175425

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

8.912

N/A

$X,XXX.XX

Yes

Employed

Yes

Present

XXXXX

400167571

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167485

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175426

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400179036

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167464

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167646

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400160703

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167640

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400167427

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167549

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167603

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175555

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400193102

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175537

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175630

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

8.568

N/A

Yes

Present

XXXXX

400167721

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167584

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167695

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167673

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175532

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

8.312

N/A

$X,XXX.XX

N/A

Employed

Yes

Present

XXXXX

400175520

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

Yes

Not Tested

8.545

N/A

$X,XXX.XX

Yes

Employed

Yes

Present

XXXXX

400175548

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

6.77

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400175491

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175436

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400167708

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167451

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167587

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167478

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

8.317

N/A

$X,XXX.XX

Yes

Employed

Yes

Present

XXXXX

400167406

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

8.271

N/A

$X,XXX.XX

Yes

Employed

Yes

Present

XXXXX

400175490

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167597

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175637

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167649

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175516

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167698

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175596

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167671

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167471

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175634

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178873

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175595

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167662

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400167369

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.935

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

XXXXX

400178896

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178819

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167504

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.102

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400167375

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175499

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178814

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.695

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

XXXXX

400175401

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

7.36

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

XXXXX

400178931

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175423

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167350

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178958

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175545

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175506

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400179013

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175554

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175581

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175447

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175529

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.679

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

Not Employed

XXXXX

400179066

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

8.423

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

XXXXX

400175526

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.922

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400178788

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400179050

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.799

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

Not Employed

XXXXX

400175626

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178934

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.051

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400178973

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175412

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175503

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400175662

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

9.026

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400175403

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.941

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

XXXXX

400175421

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400179045

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175610

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400193029

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178851

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400179083

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

Yes

Not Tested

7.518

N/A

$X,XXX.XX

N/A

Not Employed

Employed

Yes

Present

XXXXX

400178996

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178979

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175649

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175527

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178969

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175651

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.039

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400175498

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

Yes

Not Tested

6.945

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

Yes

Employed

XXXXX

400178957

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400178914

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175478

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175449

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400193035

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400179068

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

7.384

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400178965

XX/XX/XXXX

ATR/QM: Exempt

Not Tested

N/A

$X,XXX.XX

Yes

Employed

Yes

Present

XXXXX

400194047

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Not Tested

9.16

Yes

N/A

Yes

N/A

Yes

$X,XXX.XX

N/A

Employed

XXXXX

400193069

XX/XX/XXXX

ATR/QM: Exempt

N/A

Yes

Present

XXXXX

400193057

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400192974

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400178924

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400167639

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400179018

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

XXXXX

400175534

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

Yes

Present

Loan ID

ALT ID

Loan Program

Guideline Product Name

Originator Name

Originating Entity CDFI Flag

Guideline Name

Guideline Author

Guideline Date

Guideline Version

Application Date

TILA Status

TRID

GSE

Verified Safe Harbor Flag

Verified Safe Harbor Reference Document

QM Regulation Failures

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

AUS Decision System

Rating Result

Property Inspection Waiver (PIW)

Calculated APR

HUD 1 Page 1 Credits Total

Verified Qualifying Rate

Originator Qualifying Rate

Qualifying P&I

Default Interest Rate Present

Default Interest Rate

Annual Property Tax

Monthly Property Tax

Annual Insurance Costs

Monthly Insurance Cost

Annual HOA Costs

Monthly HOA Costs

Monthly Other Costs

PITIA

Residual Income

HOA Questionnaire Flag

HOA Name

HOA Address State

HOA Fee Amount

HOA Next Due Date

HOA Payment Frequency

Originator DTI

TPR Verified DTI

QM DTI

Is Borrower Non Occupant

Is Co Borrower Non Occupant

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

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower 2 Length of Employment

Co Borrower 3 Length of Employment

Document Level

Borrower Years of W2s/1099

CoBorrower Years of W2s/1099

Borrower Months of Paystubs Verified

Co Borrower Months of Paystubs Verified

Borrower Employment Gap Letter

Borrower Months of Employment Gap

Co Borrower Employment Gap Letter

Co Borrower Months of Employment Gap

Borrower Years of Personal Tax Returns

Borrower Years of Business Tax Returns

CoBorrower Years of Personal Tax Returns

CoBorrower Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Borrower Award/Offer Letter

Co Borrower Award/Offer Letter

Asset Depletion Flag

Partial Asset Depletion Flag

Asset Depletion Months Amortized

Asset Utilization Flag (No DTI)

Borrower Bank Statements Flag

Borrower Bank Statement Summary/Lender Worksheet

Borrower Number of Personal Bank Statements

Borrower Number of Business Bank Statements

CoBorrower Bank Statements Flag

Co Borrower Bank Statement Summary/Lender Worksheet

CoBorrower Number of Personal Bank Statements

CoBorrower Number of Business Bank Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

Bespoke Eligible Assets

Borrower P&L Type

Borrower Number of Months P&L

Borrower P&L Prepared By

CoBorrower P&L Type

CoBorrower P&L Prepared By

CoBorrower Number of Months P&L

Borrower CPA Letter Flag

# of Months CPA verified income

CoBorrower CPA Letter Flag

CoBorrower # of Months CPA verified income

Borrower WVOE Flag

Borrower # of Months Employment Validated WVOE

Borrower # of Months Income Validated WVOE

Borrower WVOE Form Type

CoBorrower WVOE Flag

CoBorrower # of Months WVOE

CoBorrower # of Months Income Validated WVOE

CoBorrower WVOE Form Type

DSCR Flag

TPR DSCR

Originator DSCR

Expense Letter

Income Doc Detail

Tax Return Doc Details

Property Address

Property City

Property State

Property Zip

Property County

Original Credit Report Date

Borrower 1 Credit Report Date

Borrower 2 Credit Report Date

Borrower 3 Credit Report Date

Borrower 4 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 Co Borrower 2 FICO

Most Recent Co Borrower 3 FICO

XXXXX

400167533

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$4,009.00

Yes

20.00%

$X,XXX.XX

$4,951.58

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.01

1.006

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

788

XXXXX

400167581

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$3,539.58

Yes

20.00%

$X,XXX.XX

$4,632.95

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.489

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

757

XXXXX

400175424

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

7.02%

6.75%

$3,567.29

$X,XXX.XX

$4,336.60

$X,XXX.XX

N/A

$X,XXX.XX

37.02%

36.96%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

668

XXXXX

400167514

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$1,067.00

$X,XXX.XX

$1,692.50

Yes

XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.945

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

713

XXXXX

400175461

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.13%

$1,455.29

Yes

20.00%

$X,XXX.XX

$2,191.55

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.396

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

713

XXXXX

400167450

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$1,300.54

Yes

20.00%

$X,XXX.XX

$1,524.84

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.344

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

783

XXXXX

400167543

DSCR

HEM Non-Agency Specialty Product Guidelines_10.28.25/ theNONI_05.15.26E

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.75%

$1,288.96

Yes

20.00%

$X,XXX.XX

$1,583.51

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.642

1.641

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

745

XXXXX

400175425

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

8.91%

8.50%

$6,503.09

$X,XXX.XX

$8,132.44

$X,XXX.XX

N/A

$X,XXX.XX

42.99%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

712

XXXXX

400167571

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$2,921.87

$X,XXX.XX

$3,822.42

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.282

1.36

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

811

XXXXX

400167485

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.88%

$1,561.88

Yes

20.00%

$X,XXX.XX

$1,818.08

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds,Stocks/Bonds

Yes

0.798

0.754

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

698

XXXXX

400175426

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.50%

$1,730.06

Yes

20.00%

$X,XXX.XX

$2,256.51

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.117

1.341

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

676

XXXXX

400179036

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.25%

$5,066.87

Yes

20.00%

$X,XXX.XX

$5,467.86

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.006

1.005

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

709

XXXXX

400167464

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$5,244.23

Yes

20.00%

$X,XXX.XX

$6,132.69

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.141

1.011

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

739

XXXXX

400167646

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,383.60

Yes

20.00%

$X,XXX.XX

$3,213.23

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.214

1.163

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

757

XXXXX

400160703

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,672.16

Yes

20.00%

$X,XXX.XX

$2,156.29

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.159

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

682

XXXXX

400167640

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.88%

$3,625.35

Yes

20.00%

$X,XXX.XX

$4,207.55

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.26

1.259

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

736

XXXXX

400167427

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$1,021.54

Yes

20.00%

$X,XXX.XX

$1,150.41

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.565

1.564

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

738

XXXXX

400167549

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.00%

$1,202.53

Yes

20.00%

$X,XXX.XX

$1,783.09

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.009

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

731

XXXXX

400167603

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.75%

$1,020.89

Yes

20.00%

$X,XXX.XX

$1,459.16

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.196

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

707

XXXXX

400175555

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.75%

$2,716.64

Yes

20.00%

$X,XXX.XX

$3,700.00

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.622

1.621

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

648

XXXXX

400193102

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.25%

$6,419.53

$X,XXX.XX

$7,649.49

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.177

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

723

XXXXX

400175537

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.13%

8.00%

$5,568.73

Yes

20.00%

$X,XXX.XX

$6,176.31

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.166

1.178

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

747

XXXXX

400175630

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

8.57%

7.88%

$723.26

Yes

20.00%

$X,XXX.XX

$1,038.17

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.503

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

682

XXXXX

400167721

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$709.48

Yes

20.00%

$X,XXX.XX

$1,097.58

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.006

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

735

XXXXX

400167584

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$986.03

Yes

20.00%

$X,XXX.XX

$1,255.54

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.593

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

773

XXXXX

400167695

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$5,457.40

Yes

20.00%

$X,XXX.XX

$6,520.38

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.028

1.027

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

806

XXXXX

400167673

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.13%

$1,038.97

$X,XXX.XX

$1,383.43

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.012

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

668

XXXXX

400175532

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

8.31%

7.75%

$1,891.33

$X,XXX.XX

$3,029.92

$X,XXX.XX

N/A

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

31.75%

32.55%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

654

XXXXX

400175520

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

8.55%

7.63%

$767.96

Yes

20.00%

$X,XXX.XX

$3,843.09

$X,XXX.XX

Yes

XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

49.81%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - XXXXX, XXXXX

Borrower - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

654

XXXXX

400175548

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

6.77%

6.50%

$12,641.35

$X,XXX.XX

$14,843.81

$X,XXX.XX

Yes

XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

13.94%

13.49%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

734

XXXXX

400175491

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,327.11

Yes

20.00%

$X,XXX.XX

$1,909.53

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.204

1.2

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

750

XXXXX

400175436

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$1,450.42

Yes

20.00%

$X,XXX.XX

$1,738.81

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.208

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

752

XXXXX

400167708

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$1,080.56

$X,XXX.XX

$1,390.06

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.187

1.193

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

674

XXXXX

400167451

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$1,233.03

$X,XXX.XX

$1,502.39

N/A

$X,XXX.XX

0.00%

Yes

1 - Not Stated Not Verified

1 - Not Stated, Not Verified

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.298

1.29

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 XXXXX Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null XXXXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 XXXXX Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null XXXXX Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 XXXXX Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null XXXXX Schedule E Verified

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified || Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

784

721

718

725

721

XXXXX

400167587

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.25%

$1,312.50

Yes

20.00%

$X,XXX.XX

$1,753.71

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.14

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

796

XXXXX

400167478

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

8.32%

8.00%

$2,311.36

Yes

20.00%

$X,XXX.XX

$3,565.01

$X,XXX.XX

Yes

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

43.81%

43.71%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

99.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified

Borrower

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

666

XXXXX

400167406

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

8.27%

7.88%

$2,360.83

$X,XXX.XX

$3,892.16

$X,XXX.XX

Yes

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

43.98%

43.71%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

99.00%

N/A

Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified

Borrower

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

666

XXXXX

400175490

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$5,326.15

$X,XXX.XX

$6,028.32

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.863

0.862

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

747

XXXXX

400167597

DSCR

TBDFX40

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$1,074.65

Yes

20.00%

$X,XXX.XX

$1,486.30

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.009

1.019

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

780

XXXXX

400175637

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$2,558.04

Yes

20.00%

$X,XXX.XX

$3,136.54

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.068

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

743

XXXXX

400167649

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$831.57

Yes

20.00%

$X,XXX.XX

$1,077.07

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.625

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

693

XXXXX

400175516

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$1,537.42

$X,XXX.XX

$2,158.82

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.529

1.528

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

683

XXXXX

400167698

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.75%

$2,517.44

Yes

20.00%

$X,XXX.XX

$3,318.57

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.063

1.03

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

666

XXXXX

400175596

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.75%

$2,389.58

Yes

20.00%

$X,XXX.XX

$6,303.60

N/A

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.015

1.008

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

645

XXXXX

400167671

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$1,869.57

Yes

20.00%

$X,XXX.XX

$2,415.44

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.461

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

770

XXXXX

400167471

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$1,517.51

Yes

20.00%

$X,XXX.XX

$2,304.15

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.302

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

719

XXXXX

400175634

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$3,320.82

Yes

20.00%

$X,XXX.XX

$4,246.95

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.272

1.271

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

746

XXXXX

400178873

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$5,518.20

$X,XXX.XX

$6,490.57

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.086

1.024

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX-XXXXX

XXXXX

XX/XX/XXXX

708

XXXXX

400175595

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.99%

$5,275.99

Yes

20.00%

$X,XXX.XX

$6,307.71

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.205

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

695

XXXXX

400167662

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.13%

$896.57

Yes

20.00%

$X,XXX.XX

$1,111.20

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.305

1.304

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

734

XXXXX

400167369

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.32%

Manual Underwriting

7.94%

7.75%

$2,206.55

$X,XXX.XX

$2,873.47

$X,XXX.XX

N/A

$X,XXX.XX

44.29%

44.08%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

669

XXXXX

400178896

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$1,344.65

Yes

20.00%

$X,XXX.XX

$2,054.23

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.144

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

790

XXXXX

400178819

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.38%

$5,168.49

Yes

20.00%

$X,XXX.XX

$5,804.08

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.473

1.177

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

809

XXXXX

400167504

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.51%

Manual Underwriting

7.10%

6.75%

6.88%

$2,179.29

$X,XXX.XX

$3,340.93

$X,XXX.XX

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

45.06%

44.70%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified || Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

731

XXXXX

400167375

DSCR

TBDFX40IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.00%

$1,936.67

$X,XXX.XX

$2,374.53

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.053

1.052

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

715

XXXXX

400175499

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.63%

$1,040.46

$X,XXX.XX

$1,632.71

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.205

1.204

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

692

XXXXX

400178814

TX50a6 NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

6.70%

6.50%

$1,327.34

$X,XXX.XX

$2,103.85

$X,XXX.XX

N/A

$X,XXX.XX

46.19%

48.52%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

774

XXXXX

400175401

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.42%

Manual Underwriting

7.36%

7.00%

$2,318.58

$X,XXX.XX

$3,400.11

$X,XXX.XX

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

44.19%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

768

XXXXX

400178931

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$1,369.97

Yes

20.00%

$X,XXX.XX

$1,735.03

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.902

1.844

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

726

XXXXX

400175423

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$1,484.19

$X,XXX.XX

$2,767.57

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.048

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

795

XXXXX

400167350

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.13%

$2,640.98

Yes

20.00%

$X,XXX.XX

$2,819.20

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.312

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

704

XXXXX

400178958

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.38%

$7,591.22

Yes

20.00%

$X,XXX.XX

$8,606.11

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.093

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

716

XXXXX

400175545

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.50%

$1,305.22

Yes

20.00%

$X,XXX.XX

$1,876.69

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.279

1.172

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

725

XXXXX

400175506

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$3,178.13

Yes

20.00%

$X,XXX.XX

$3,800.62

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.184

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

773

XXXXX

400179013

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

8.25%

$4,150.75

$X,XXX.XX

$4,432.43

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.341

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

755

XXXXX

400175554

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.25%

$866.36

Yes

20.00%

$X,XXX.XX

$1,281.14

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.159

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

697

XXXXX

400175581

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$1,407.46

Yes

20.00%

$X,XXX.XX

$1,625.13

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

2.154

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

727

XXXXX

400175447

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$1,111.58

Yes

20.00%

$X,XXX.XX

$1,679.49

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.25

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

807

XXXXX

400175529

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

8.68%

8.13%

$1,574.09

$X,XXX.XX

$2,277.88

$X,XXX.XX

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

44.35%

Self-Employed

Not Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - XXXXX, XXXXX || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX || Co Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

700

XXXXX

400179066

NQHEM 40 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

8.42%

8.25%

$6,041.61

$X,XXX.XX

$7,112.94

$X,XXX.XX

N/A

$X,XXX.XX

39.59%

44.73%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

50.00%

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

705

XXXXX

400175526

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

7.92%

7.75%

$2,693.71

$X,XXX.XX

$3,530.54

$X,XXX.XX

N/A

$X,XXX.XX

37.68%

37.04%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

CPA

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

705

XXXXX

400178788

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.25%

$1,847.15

Yes

20.00%

$X,XXX.XX

$2,689.23

Yes

XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Proceeds from Sale

Yes

1.562

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

708

XXXXX

400179050

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

7.80%

7.63%

$10,574.44

$X,XXX.XX

$13,006.16

$X,XXX.XX

N/A

$X,XXX.XX

23.75%

Self-Employed

Not Employed

12 Month Bank Statement

N/A

Yes

N/A

100.00%

Proceeds from Sale

N/A

Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXXX, XXXXX || Co Borrower - 3 YRS Executed 4506T Verified

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX || Co Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

790

XXXXX

400175626

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$3,237.54

Yes

20.00%

$X,XXX.XX

$3,668.31

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.118

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

816

XXXXX

400178934

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.05%

6.88%

$2,049.62

$X,XXX.XX

$2,562.51

$X,XXX.XX

N/A

$X,XXX.XX

31.99%

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

Audited

Tax Preparer

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, null Business Bank Statements Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

775

XXXXX

400178973

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.00%

6.50%

$875.34

Yes

20.00%

$X,XXX.XX

$2,612.95

Yes

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.397

1.396

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

766

XXXXX

400175412

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.50%

$1,394.93

Yes

20.00%

$X,XXX.XX

$1,728.42

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.076

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

670

XXXXX

400175503

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$1,660.72

$X,XXX.XX

$2,099.53

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Stocks/Bonds

Yes

1.191

1.19

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

767

XXXXX

400175662

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

9.03%

8.63%

$7,525.12

$X,XXX.XX

$8,968.24

$X,XXX.XX

N/A

$X,XXX.XX

37.97%

38.95%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

70.00%

N/A

Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

689

XXXXX

400175403

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.42%

Manual Underwriting

6.94%

6.63%

$4,994.43

$X,XXX.XX

$6,449.39

$X,XXX.XX

Yes

XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

47.74%

47.41%

Employed

Self-Employed

12 Month Bank Statement

2+ Months

N/A

Yes

41.00%

0.00%

100.00%

Proceeds from Sale

N/A

Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 XXXXX Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - XXXXX, XXXXX, XXXXX || Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - XXXXX, XXXXX

Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - XXXXX, XXXXX, XXXXX || Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

703

XXXXX

400175421

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$957.64

Yes

20.00%

$X,XXX.XX

$1,549.33

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.485

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

807

XXXXX

400179045

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$655.06

Yes

20.00%

$X,XXX.XX

$1,791.42

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.005

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

721

XXXXX

400175610

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.63%

$1,864.59

Yes

20.00%

$X,XXX.XX

$2,473.11

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.232

1.231

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

777

XXXXX

400193029

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$4,669.91

Yes

20.00%

$X,XXX.XX

$7,837.84

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.008

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

718

XXXXX

400178851

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,678.71

Yes

20.00%

$X,XXX.XX

$3,653.11

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.027

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

800

XXXXX

400179083

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

0.00%

Manual Underwriting

7.52%

7.13%

$2,188.24

Yes

20.00%

$X,XXX.XX

$2,594.10

$X,XXX.XX

N/A

$X,XXX.XX

27.41%

Yes

Not Employed

Self-Employed

1YR Business P&L

N/A

0.00%

100.00%

N/A

Audited

Accountant/Bookkeeper

N/A

Borrower - Subject Property Net Rental Income(Loss) if NOO || Co Borrower - Other - YTD Profit And Loss Verified

Borrower || Co Borrower

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

785

XXXXX

400178996

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,638.13

Yes

20.00%

$X,XXX.XX

$3,192.89

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.128

1.127

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

783

XXXXX

400178979

DSCR

TBDFX301O

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$2,638.13

Yes

20.00%

$X,XXX.XX

$3,192.73

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.128

1.126

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

783

XXXXX

400175649

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.25%

$9,255.10

Yes

20.00%

$X,XXX.XX

$9,814.23

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

0.611

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

707

XXXXX

400175527

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.99%

$1,507.38

Yes

20.00%

$X,XXX.XX

$2,165.12

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.016

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

665

XXXXX

400178969

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.75%

$1,679.17

Yes

20.00%

$X,XXX.XX

$2,488.62

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.005

1.004

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

693

XXXXX

400175651

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

0.00%

Manual Underwriting

7.04%

6.75%

$2,967.34

$X,XXX.XX

$3,322.95

$X,XXX.XX

N/A

$X,XXX.XX

23.77%

Yes

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

767

XXXXX

400175498

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.60%

Manual Underwriting

6.95%

6.75%

$4,610.62

$X,XXX.XX

$5,088.93

$X,XXX.XX

N/A

$X,XXX.XX

47.82%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

Stocks/Bonds,Stocks/Bonds

N/A

Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - XXXXX, XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX-XXXXX

XXXXX

XX/XX/XXXX

754

XXXXX

400178957

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$3,043.22

Yes

20.00%

$X,XXX.XX

$4,261.16

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.056

1.055

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

760

XXXXX

400178914

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$3,102.19

Yes

20.00%

$X,XXX.XX

$4,848.20

Yes

XXXXX XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.064

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

725

XXXXX

400175478

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

9.25%

$2,351.04

Yes

20.00%

$X,XXX.XX

$2,777.56

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Annually

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.064

1.063

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

788

XXXXX

400175449

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.88%

$1,891.95

Yes

20.00%

$X,XXX.XX

$2,460.21

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.077

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

808

XXXXX

400193035

DSCR

TBDFX30IO

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$12,291.67

Yes

20.00%

$X,XXX.XX

$17,718.58

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.016

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

721

XXXXX

400179068

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

7.38%

7.00%

$2,601.27

$X,XXX.XX

$3,247.61

$X,XXX.XX

Yes

XXXX

$X,XXX.XX

XX/XX/XXXX

Annually

27.76%

27.54%

Self-Employed

1YR Business P&L

N/A

0.00%

90.00%

Third-Party Prepared (Unaudited)

Tax Preparer

N/A

Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

742

XXXXX

400178965

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

Yes

N/A

0.00%

Manual Underwriting

0.00%

6.88%

$9,853.93

$X,XXX.XX

$13,412.70

$X,XXX.XX

N/A

$X,XXX.XX

40.30%

Yes

Employed

W2/XXXXX Verified

N/A

0.00%

N/A

Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 XXXXX Verified, 3 YRS Executed 4506T Verified - XXXXX, XXXXX, XXXXX

Borrower - 3 YRS Executed 4506T Verified - XXXXX, XXXXX, XXXXX

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

751

XXXXX

400194047

NQHEM 30 Yr Fixed ALT Doc

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

Non-QM: Lender documented all ATR UW factors

Yes

N/A

XX/XX/XXXX

6.52%

Manual Underwriting

9.16%

8.75%

$1,805.48

$X,XXX.XX

$3,607.54

$X,XXX.XX

Yes

XXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

27.62%

27.59%

Self-Employed

12 Month Bank Statement

N/A

Yes

100.00%

N/A

Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified

Borrower - 3 YRS Executed 4506T Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

696

XXXXX

400193069

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$1,947.70

Yes

20.00%

$X,XXX.XX

$2,967.26

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.078

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

660

XXXXX

400193057

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

7.38%

$1,813.02

Yes

20.00%

$X,XXX.XX

$2,240.64

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.205

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

738

XXXXX

400192974

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$754.00

Yes

20.00%

$X,XXX.XX

$881.08

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.702

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

743

XXXXX

400178924

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$908.04

Yes

20.00%

$X,XXX.XX

$1,216.01

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.234

1.321

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

809

XXXXX

400167639

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$777.34

Yes

20.00%

$X,XXX.XX

$1,124.63

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.2

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

759

XXXXX

400179018

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.75%

$4,669.91

Yes

20.00%

$X,XXX.XX

$5,939.59

N/A

$X,XXX.XX

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.74

1.631

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

786

XXXXX

400175534

DSCR

TBDFX30

XXXXX XXXXX XXXXX , XXXXX

XXXXX

XX/XX/XXXX

N/A

XX/XX/XXXX

ATR/QM: Exempt

N/A

Manual Underwriting

6.38%

$1,294.53

Yes

20.00%

$X,XXX.XX

$1,544.57

Yes

XXXXX XXXXX

$X,XXX.XX

XX/XX/XXXX

Monthly

0.00%

Yes

Unknown

Debt Service Coverage Ratio

0.00%

Yes

1.36

Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null XXXXX Schedule E Verified

XXXXX XXXXX XXXXX

XXXXX XXXXX

XXXXX

XX/XX/XXXX

695

Loan ID

Updated Credit Report Flag

Updated Credit Report Date

Updated FICO Method

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

Updated Primary Borrower FICO

Updated Co Borrower FICO

Updated Co Borrower 2 FICO

Updated Co Borrower 3 FICO

Updated Qualifying FICO

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 Lates 30d in 0-12m

Prior Mortgage/Rent Lates 60d in 0-12m

Prior Mortgage/Rent Lates 90d in 0-12m

Prior Mortgage/Rent Lates 120d+ in 0-12m

Prior Mortgage/Rent Lates 30d in 13-24m

Prior Mortgage/Rent Lates 60d in 13-24m

Prior Mortgage/Rent Lates 90d in 13-24m

Prior Mortgage/Rent Lates 120d+ in 13-24m

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Is Equity Shared Loan

Subordinate Lien Type

Subordinate Lien Max Draw Amount (HELOC)

Subordinate Lien 2 Type

Subordinate Lien 2 Max Draw Amount (HELOC)

Subordinate Lien 3 Type

Subordinate Lien 3 Max Draw Amount (HELOC)

Is Shared Appreciation Mortgage

ITIN Flag

Borrower Originator Citizenship Designation

Borrower Verified Citizenship Designation

Borrower Individual Tax Identification Number (ITIN)?

Borrower Photo Identification Type

Borrower Photo Identification Other Type

Borrower Photo ID State of Issuance

Borrower Photo ID Country of Issuance

Borrower Photo ID Expiration Date

Borrower Passport Country of Origin

Borrower Passport Expiration Date

Borrower Non-US Citizen Identification Document

Borrower Date of Resident Since/Valid Date

Borrower Non-US Document Expiration Date

Co Borrower Originator Citizenship Designation

Co Borrower Verified Citizenship Designation

Co Borrower Individual Tax Identification Number (ITIN)?

Co Borrower Photo Identification Type

Co Borrower Photo Identification Other Type

Co Borrower Photo ID State of Issuance

Co Borrower Photo ID Country of Issuance

Co Borrower Photo ID Expiration Date

Co Borrower Passport Country of Origin

Co Borrower Passport Expiration Date

Co Borrower Non-US Citizen Identification Document

Co Borrower Date of Resident Since/Valid Date

Co Borrower Non-US Document Expiration Date

Co Borrower 2 Originator Citizenship Designation

Co Borrower 2 Verified Citizenship Designation

Co Borrower 2 Individual Tax Identification Number (ITIN)?

Co Borrower 2 Photo Identification Type

Co Borrower 2 Photo Identification Other Type

Co Borrower 2 Photo ID State of Issuance

Co Borrower 2 Photo ID Country of Issuance

Co Borrower 2 Photo ID Expiration Date

Co Borrower 2 Passport Country of Origin

Co Borrower 2 Passport Expiration Date

Co Borrower 2 Non-US Citizen Identification Document

Co Borrower 2 Date of Resident Since/Valid Date

Co Borrower 2 Non-US Document Expiration Date

Co Borrower 3 Originator Citizenship Designation

Co Borrower 3 Verified Citizenship Designation

Co Borrower 3 Individual Tax Identification Number (ITIN)?

Co Borrower 3 Photo Identification Type

Co Borrower 3 Photo Identification Other Type

Co Borrower 3 Photo ID State of Issuance

Co Borrower 3 Photo ID Country of Issuance

Co Borrower 3 Photo ID Expiration Date

Co Borrower 3 Passport Country of Origin

Co Borrower 3 Passport Expiration Date

Co Borrower 3 Non-US Citizen Identification Document

Co Borrower 3 Date of Resident Since/Valid Date

Co Borrower 3 Non-US Document Expiration Date

Property Rights

Leasehold Lease Expiration Date

Buydown Flag

Assumable Mortgage Flag

Foreign National Alternative Credit Documentation

Liquid / Cash Reserves (ASF)

Months Liquid Reserves

Total Assets Available for Reserves

Months Reserves

Blanket Mortgage Flag

Qualifying HCLTV

Condo Warrantability Flag

E-Note Flag

O&E in lieu of Title Insurance

Business Purpose Flag

Borrower Note Executed As

Co Borrower Note Executed As

Co Borrower 2 Note Executed As

Co Borrower 3 Note Executed As

Maturity Date

Borrower 1 Trust Name

Borrower 2 Trust Name

Borrower 3 Trust Name

Borrower 4 Trust Name

Delayed Financing Flag

Title Company Name

Settlement Agent Company

Neighborhood Location

Gift Funds

Gift Funds Percentage of Total Funds Required

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Enhanced Driver's License (MI, MN, NY, VT, WA)

United States

XX/XX/XXXX

I-766 Employment Authorization Document (I-766)

XX/XX/XXXX

Fee Simple

N/A

281566.69

60.8

281566.69

60.8

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

Yes

7.14

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

11992.77

2.8

536107.64

123.6

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX XXXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

Fee Simple

N/A

.00

136956.15

92.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

2801.27

1.3

2801.27

1.3

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

31445.92

20.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

9063.71

5.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

124970.02

15.4

124970.02

15.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

90.11

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

5112.91

1.4

5112.91

1.4

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

179570.05

98.8

179570.05

98.8

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

6174.33

2.7

6174.33

2.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

79.68

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

151371.46

24.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Passport

United States

XX/XX/XXXX

United States

XX/XX/XXXXX

N/A

Fee Simple

N/A

.00

341500.59

106.3

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

I-766 Employment Authorization Document (I-766)

XX/XX/XXXX

Fee Simple

N/A

21079.58

9.8

21079.58

9.8

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

17054.15

4.3

17054.15

4.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Rural

XXXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

I-766 Employment Authorization Document (I-766)

XX/XX/XXXX

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

I-821D Employment Authorization Document (I-821-D)

XX/XX/XXXX

Fee Simple

N/A

.00

148657.64

129.2

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

I-766 Employment Authorization Document (I-766)

XX/XX/XXXX

Fee Simple

N/A

19703.58

11.1

19703.58

11.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

65693.37

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

1155.16

0.3

86512.25

23.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

9992.34

1.3

89562.37

11.7

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

90138.26

14.8

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

69061.92

66.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

N/A

Other

Patriot Act Form

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

Fee Simple

N/A

102977.26

93.8

102977.26

93.8

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

36345.36

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

583.86

0.1

583.86

0.1

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

124352.11

89.9

59.54

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

11651.20

3.9

11651.20

3.9

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

8368.07

2.2

94466.08

24.6

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

Yes - ITIN Card

Real ID Driver's License

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

Fee Simple

N/A

7063.56

0.5

1953832.45

131.6

63.49

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

895786.08

469.1

921103.28

482.4

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

63548.75

36.6

63548.75

36.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

66634.11

47.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

166459.45

110.8

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

Yes

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

174389.49

99.4

174389.49

99.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

16392.53

4.6

16392.53

4.6

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

30393.83

7.8

30393.83

7.8

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

725531.52

120.4

65.43

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

41789.37

28.1

41789.37

28.1

76.36

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

76.83

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

108506.72

100.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

13683.47

6.3

59089.47

27.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

6418.17

1.9

6418.17

1.9

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Lease Hold

XX/XX/XXXX

N/A

.00

286738.21

55.9

31.09

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

I-551 Stamp and Passport

XX/XX/XXXX

Fee Simple

N/A

.00

267337.06

110.7

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

13394.17

5.8

13394.17

5.8

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

36612.80

8.6

36612.80

8.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Passport

United States

XX/XX/XXXX

USA

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

252466.97

38.9

58.33

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XX/XX/XXXX

USA

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

213525.22

33.9

38.64

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

110176.64

99.2

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

103431.11

50.4

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

82818.59

14.3

82818.59

14.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

$X,XXX.XX

XXXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

Real ID Driver's License

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

Permanent Resident Alien

Permanent Non-US Citizen

Real ID Driver's License

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

Fee Simple

N/A

10336.96

3.1

10336.96

3.1

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Standard Driver's License - Not for federal Use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

33799.35

14.2

33799.35

14.2

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

14416.23

8.8

14416.23

8.8

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

47.62

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

42.86

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

72346.35

21.3

72346.35

21.3

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

115292.69

66.5

66.86

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Rural

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

223441.10

80.7

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

37664.27

13.4

37664.27

13.4

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Rural

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

166751.99

19.4

166751.99

19.4

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

4250.36

2.3

61.64

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

184181.37

48.5

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

92601.93

20.9

92601.93

20.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

$X,XXX.XX

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

2540.00

68.65

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

95637.07

58.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

163143.48

97.1

74.51

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

Permanent Resident Alien

Permanent Non-US Citizen

Real ID Driver's License

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

20256.09

8.9

20256.09

8.9

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

75.47

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

60233.52

8.5

60233.52

8.5

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

16254.93

4.6

16254.93

4.6

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

9872.00

3.7

9872.00

3.7

55.05

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

263818.99

20.3

263818.99

20.3

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX XXXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XX/XX/XXXX

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

442943.39

120.8

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

21693.59

8.5

21693.59

8.5

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

13347.27

5.1

13347.27

5.1

43.58

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

39974.50

23.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XX/XX/XXXX

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

30332.26

14.5

30332.26

14.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

120517.06

13.4

120517.06

13.4

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

$X,XXX.XX

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

185069.63

28.7

185069.63

28.7

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

7841.40

5.1

7841.40

5.1

44.69

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

50908.83

28.4

50908.83

28.4

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

136335.33

55.1

136335.33

55.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

246241.34

31.4

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

35552.74

9.7

35552.74

9.7

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

29678.19

11.4

29678.19

11.4

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

829826.08

259.9

1283717.39

402.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

1206778.79

378

1663611.31

521.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

54090.71

5.5

54090.71

5.5

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

89463.03

41.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

11322.31

4.6

11322.31

4.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

92.31

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

439931.99

132.4

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

507645.41

99.8

507645.41

99.8

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

253489.58

59.5

253489.58

59.5

67.41

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

267351.63

55.1

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

5503.14

83.56

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Rural

Yes

25.06

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

2199.00

0.9

2199.00

0.9

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

54398.00

3.1

54398.00

3.1

72.73

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

Non Permanent Resident Alien

Non-Permanent Non-US Citizen

Yes - ITIN Card

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

I-151 Permanent Resident Card

XX/XX/XXXX

Fee Simple

N/A

21743.30

6.7

21743.30

6.7

N/A

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

84562.77

6.3

84562.77

6.3

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Yes

64.27

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

36562.77

10.1

36562.77

10.1

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Urban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

91854.19

50.81

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Passport

United States

XX/XX/XXXX

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

242243.62

108.1

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

104486.61

118.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Passport

N/A

United States

XX/XX/XXXX

United states

XX/XX/XXXX

N/A

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

71776.87

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

114397.31

101.7

N/A

Yes

Borrower As Individual

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

XXXXX

Unknown

US Citizen

N/A

Standard Driver's License - Not for federal use

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

217590.62

36.6

217590.62

36.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Rural

XXXXX

Unknown

US Citizen

N/A

Real ID Driver's License

United States

XX/XX/XXXX

N/A

Fee Simple

N/A

.00

121392.26

78.6

N/A

Yes

Member on Behalf of Entity

N/A

XX/XX/XXXX

XXXXX XXXXX XXXXX

Suburban

Loan ID

ALT 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

XXXXX

400167533

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

99.03

1.006

1.01

4951.58

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

1.2

N/A

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167581

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

67.14

1.489

4632.95

Yes

$X,XXX.XX

$XXXXX

N/A

60.77

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167514

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

105.78

0.945

1692.5

Yes

$X,XXX.XX

$XXXXX

1.2

N/A

92.47

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175461

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

57.00%

$XXXXX

AirDNA

Yes

71.62

1.396

2191.55

Yes

$X,XXX.XX

$XXXXX

N/A

1.28

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400167450

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Actual In Place Rent

74.38

1.344

1524.84

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

3.7

N/A

20.62

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167543

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

60.9

1.641

1.642

1583.51

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.8

N/A

5.72

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175425

XXXXX

NQHEM 30 Yr Fixed ALT Doc

12 Month Bank Statement

Present

8132.44

N/A

15.37

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167571

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

78.01

1.36

1.282

3822.42

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

1.7

N/A

1.44

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167485

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

125.38

0.754

0.798

1818.08

N/A

$XXXXX

4.5

N/A

98.77

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400175426

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

0.00%

$XXXXX

AirDNA

Yes

74.55

1.341

1.117

2256.51

Yes

$X,XXX.XX

$XXXXX

N/A

2.74

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400179036

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

99.42

1.005

1.006

5467.86

Yes

$X,XXX.XX

$XXXXX

1.4

N/A

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167464

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

87.67

1.011

1.141

6132.69

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.4

N/A

24.68

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167646

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

82.39

1.163

1.214

3213.23

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

14.8

N/A

106.28

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400160703

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

86.25

1.159

2156.29

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

2.3

N/A

9.78

Vested Individual

XXXXX

N/A

Owner

XXXXX

400167640

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Actual In Place Rent

79.39

1.259

1.26

4207.55

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

N/A

4.25

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167427

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

63.91

1.564

1.565

1150.41

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

9.3

N/A

129.22

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167549

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

99.06

1.009

1783.09

$XXXXX

XX/XX/XXXX

N/A

$XXXXX

0.8

N/A

11.05

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167603

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

83.62

1.196

1459.16

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.5

N/A

45.02

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175555

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

61.67

1.621

1.622

3700

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

2.2

N/A

23.38

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400193102

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

84.99

1.177

7649.49

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

26.8

N/A

11.71

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175537

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Short Term Rental

$XXXXX

20.00%

$XXXXX

AirDNA

Yes

68.63

1.178

1.166

6176.31

Yes

$X,XXX.XX

$XXXXX

0.6

N/A

14.75

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175630

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

66.55

1.503

1038.17

$XXXXX

XX/XX/XXXX

N/A

$XXXXX

7.9

N/A

66.52

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167721

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

99.42

1.006

1097.58

Yes

$X,XXX.XX

$XXXXX

N/A

93.82

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167584

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

62.78

1.593

1255.54

Yes

$X,XXX.XX

$XXXXX

N/A

28.95

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167695

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

97.32

1.027

1.028

6520.38

Yes

$X,XXX.XX

$XXXXX

N/A

0.09

Vested Individual

XXXXX

N/A

Owner

XXXXX

400167673

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

98.82

1.012

1383.43

$XXXXX

XX/XX/XXXX

N/A

$XXXXX

0.8

N/A

89.89

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400175532

XXXXX

NQHEM 30 Yr Fixed ALT Doc

12 Month Bank Statement

Present

3029.92

Yes

$X,XXX.XX

N/A

3.85

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400175520

XXXXX

NQHEM 30 Yr Fixed ALT Doc

12 Month Bank Statement

Present

Yes

3843.09

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

13.8

N/A

24.58

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175491

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

83.02

1.2

1.204

1909.53

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

2.2

N/A

482.37

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175436

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

82.8

1.208

1738.81

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.6

N/A

36.55

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167708

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

84.25

1.193

1.187

1390.06

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

3.8

N/A

47.94

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167451

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

77.05

1.29

1.298

1502.39

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.4

N/A

110.8

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167587

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

87.69

1.14

1753.71

Yes

$X,XXX.XX

$XXXXX

N/A

99.44

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400167478

XXXXX

NQHEM 30 Yr Fixed ALT Doc

12 Month Bank Statement

Present

3565.01

N/A

15.9

N/A

4.6

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167406

XXXXX

NQHEM 30 Yr Fixed ALT Doc

12 Month Bank Statement

Present

3892.16

N/A

7.81

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175490

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

115.93

0.862

0.863

6028.32

Yes

$X,XXX.XX

$XXXXX

N/A

120.35

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167597

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

99.09

1.019

1.009

1486.3

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

1.5

N/A

28.12

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400175637

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

93.63

1.068

3136.54

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.9

N/A

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400167649

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

61.55

1.625

1077.07

Yes

$X,XXX.XX

$XXXXX

N/A

100.74

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175516

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

65.42

1.528

1.529

2158.82

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.8

N/A

27.37

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167698

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

20.00%

$XXXXX

AirDNA

Yes

94.09

1.03

1.063

3318.57

Yes

$X,XXX.XX

$XXXXX

N/A

1.93

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175596

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

98.49

1.008

1.015

6303.6

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

5.5

N/A

55.91

Yes

XXXXX XXXXX XXXXX XXXXX

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167671

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

68.43

1.461

2415.44

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.8

N/A

110.68

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167471

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

76.81

1.302

2304.15

Yes

$X,XXX.XX

$XXXXX

N/A

5.81

Vested Individual

XXXXX

N/A

Owner

XXXXX

400175634

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

78.65

1.271

1.272

4246.95

Yes

$X,XXX.XX

$XXXXX

N/A

8.62

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178873

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

92.06

1.024

1.086

6490.57

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

17.4

N/A

38.9

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175595

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

1.205

6307.71

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.7

N/A

33.85

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167662

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

76.63

1.304

1.305

1111.2

Yes

$X,XXX.XX

$XXXXX

14.9

N/A

99.15

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400178896

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

87.41

1.144

2054.23

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

N/A

50.35

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178819

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

67.89

1.177

1.473

5804.08

Yes

$X,XXX.XX

$XXXXX

N/A

14.27

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Owner

XXXXX

400167375

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

94.98

1.052

1.053

2374.53

Yes

$X,XXX.XX

$XXXXX

N/A

14.23

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

N/A

Vacant

XXXXX

400175499

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

50.20%

$XXXXX

AirDNA

Yes

83.02

1.204

1.205

1632.71

Yes

$X,XXX.XX

$XXXXX

N/A

8.83

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400178931

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

52.58

1.844

1.902

1735.03

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

8.2

N/A

66.45

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175423

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

95.43

1.048

2767.57

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

9.8

N/A

80.74

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400167350

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

76.19

1.312

2819.2

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

N/A

13.36

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178958

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Short Term Rental

$XXXXX

64.00%

$XXXXX

Short Term Rental

Yes

91.5

1.093

8606.11

Yes

$X,XXX.XX

$XXXXX

N/A

19.38

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Owner

XXXXX

400175545

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

78.2

1.172

1.279

1876.69

Yes

$X,XXX.XX

$XXXXX

0.6

N/A

2.26

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175506

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

84.46

1.184

3800.62

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

2.2

N/A

48.46

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400179013

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

63.10%

$XXXXX

AirDNA

Yes

74.54

1.341

4432.43

Yes

$X,XXX.XX

$XXXXX

N/A

20.89

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Owner

XXXXX

400175554

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

86.27

1.159

1281.14

$XXXXX

XX/XX/XXXX

N/A

$XXXXX

N/A

1.98

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175581

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

46.43

2.154

1625.13

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

1.5

N/A

58.85

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175447

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

79.98

1.25

1679.49

Yes

$X,XXX.XX

$XXXXX

0.3

N/A

97.14

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400178788

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

64.03

1.562

2689.23

Yes

$X,XXX.XX

$XXXXX

N/A

3.67

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175626

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

89.47

1.118

3668.31

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

24.9

N/A

120.75

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178973

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

71.59

1.396

1.397

2612.95

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

5.9

N/A

5.11

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175412

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

92.93

1.076

1728.42

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

N/A

23.13

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175503

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

83.98

1.19

1.191

2099.53

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.5

N/A

14.45

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175421

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

67.36

1.485

1549.33

Yes

$X,XXX.XX

$XXXXX

N/A

5.06

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400179045

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

99.52

1.005

1791.42

Yes

$X,XXX.XX

$XXXXX

N/A

28.42

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175610

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

66.90%

$XXXXX

AirDNA

Yes

81.17

1.231

1.232

2473.11

Yes

$X,XXX.XX

$XXXXX

N/A

55.13

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Owner

XXXXX

400193029

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

99.21

1.008

7837.84

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

$XXXXX

6.8

N/A

31.42

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178851

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

97.42

1.027

3653.11

Yes

$X,XXX.XX

$XXXXX

N/A

9.73

Vested Individual

XXXXX

N/A

Owner

XXXXX

400179083

XXXXX

NQHEM 30 Yr Fixed ALT Doc

1YR Business P&L

Present

2594.1

Yes

$X,XXX.XX

N/A

11.44

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Vacant

XXXXX

400178996

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

88.69

1.127

1.128

3192.89

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

2.2

N/A

402.05

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400178979

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1025

$XXXXX

Appraisal - 1025

88.69

1.126

1.128

3192.73

$XXXXX

XX/XX/XXXX

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

1.3

N/A

521.06

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400175649

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

163.57

0.611

9814.23

Yes

$X,XXX.XX

$XXXXX

N/A

5.51

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175527

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

98.41

1.016

2165.12

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.8

N/A

41.32

Yes

XXXXX XXXXX XXXXX XXXXX

XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178969

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

99.54

1.004

1.005

2488.62

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

N/A

4.55

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Owner

XXXXX

400178957

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

94.69

1.055

1.056

4261.16

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

0.3

N/A

59.49

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400178914

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

93.96

1.064

4848.2

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

15.3

N/A

55.14

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400175478

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

20.00%

$XXXXX

Airbnb

Yes

94.01

1.063

1.064

2777.56

Yes

$X,XXX.XX

$XXXXX

N/A

1.98

Vested Individual

XXXXX

N/A

Owner

XXXXX

400175449

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

92.84

1.077

2460.21

Yes

$X,XXX.XX

$XXXXX

N/A

0.89

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400193035

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

98.44

1.016

17718.58

Yes

$X,XXX.XX

$XXXXX

N/A

3.07

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400178965

XXXXX

NQHEM 30 Yr Fixed ALT Doc

W2/XXXXX Verified

Present

13412.7

Yes

$X,XXX.XX

N/A

6.3

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Owner

XXXXX

400193069

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

92.73

1.078

2967.26

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

8.8

N/A

30.96

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400193057

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

82.99

1.205

2240.64

Yes

$X,XXX.XX

$XXXXX

0.1

N/A

108.11

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400192974

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

58.74

1.702

881.08

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

2.7

N/A

118.59

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

XXXXX

400178924

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

81.07

1.321

1.234

1216.01

$XXXXX

XX/XX/XXXX

Yes

$X,XXX.XX

$XXXXX

4.4

N/A

59.03

Vested Individual

XXXXX

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400167639

XXXXX

DSCR

Debt Service Coverage Ratio

Present

$XXXXX

Appraisal - 1007

$XXXXX

Appraisal - 1007

83.31

1.2

1124.63

Yes

$X,XXX.XX

$XXXXX

1.7

N/A

101.72

Vested Individual

XXXXX

N/A

Tenant

XXXXX

400179018

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Short Term Rental

$XXXXX

52.80%

$XXXXX

Other

Yes

57.48

1.631

1.74

5939.59

Yes

$X,XXX.XX

$XXXXX

N/A

36.63

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Vacant

XXXXX

400175534

XXXXX

DSCR

Debt Service Coverage Ratio

Present

Yes

$XXXXXX

$XXXXX

Appraisal - 1007

$XXXXX

Actual In Place Rent

73.55

1.36

1544.57

$XXXXX

XX/XX/XXXX

N/A

$XXXXX

N/A

78.59

Yes

XXXXX XXXXX XXXXX XXXXX

Individual Guarantor

XXXXX

Yes

Full Recourse

XXXXX

Tenant

Loan ID

ALT ID

Note Date

Original Loan Amount

Sales Price

Total Adjusted Prior Purchase Price

Primary Appraised Value

Primary Appraisal Date

Primary Appraisal Type

Primary Appraisal Company

Primary Appraiser Name

Primary Appraiser License Number

Value for LTV

LTV

CLTV

Loan Reviewed Property Value

Loan Reviewed Variance Amount

Loan Reviewed Variance Percent

Loan Reviewed Product Type

Loan Post-Close Reviewed Property Value

Loan Post-Close Reviewed Variance Amount

Loan Post-Close Reviewed Variance Percent

Loan Post-Close Reviewed Product Type

Second Appraisal Value

Second Appraisal Variance Amount

Second Appraisal Variance Percent

Second Appraisal Date

Second Appraisal Type

AVM Appraised Value

AVM Variance Amount

AVM Variance Percent

AVM Confidence Score

FSD Score

AVM Company Name

AVM Product Name

AVM Appraisal Date

Desk Review Appraised Value

Desk Review Variance Amount

Desk Review Variance Percent

Desk Review Company

Desk Review Risk Score

Desk Review Appraisal Date

Desk Top Appraised Value

Desk Top Variance Amount

Desk Top Variance Percent

Desk Top Company

Desk Top Appraisal Date

BPO Appraised Value

BPO Variance Amount

BPO Variance Percent

BPO Company

BPO Appraisal Date

Field Review Appraised Value

Field Review Variance Amount

Field Review Variance Percent

Field Review Company

Field Review Appraisal Date

2055 Appraised Value

2055 Variance Amount

2055 Variance Percent

2055 Company

2055 Appraisal Date

AVE/CMA Appraised Value

AVE/CMA Variance Amount

AVE/CMA Variance Percent

AVE/CMA Company

AVE/CMA Appraisal Date

Completion Report (1004D) Date

Other Appraised Value

Other Variance Amount

Other Variance Percent

Other Appraisal Date

Updated Appraised Value

Updated Variance Amount

Updated Variance Percent

Updated Company

Updated Appraisal Date

Updated Appraisal Type

Loan Collateral Advisor Risk Score

Loan Collateral Advisor Risk Score Date

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

Collateral Underwriter Risk Score Date

XXXXX

400167533

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167581

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175424

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167514

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175461

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167450

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167543

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175425

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167571

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167485

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

2.5

XX/XX/XXXX

XXXXX

400175426

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400179036

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

79.68

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167464

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

$-XXXXX

-0.0244

Desk Review

$XXXXX

$-XXXXX

-0.0244

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400167646

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400160703

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

$-XXXXX

-0.0669

AVM

$XXXXX

$-XXXXX

-0.0669

0.07

XXXXX XXXXX

ClearAVM

XX/XX/XXXX

XXXXX

400167640

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400167427

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400167549

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167603

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400175555

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

2000A XXXXX Two- to Four-Unit Residential Appraisal Field Review Report

$XXXXXX

XXXXX XXXXX XXXXX

XX/XX/XXXX

XXXXX

400193102

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175537

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175630

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167721

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.2

XX/XX/XXXX

XXXXX

400167584

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167695

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167673

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

59.54

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175532

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175520

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.3

XX/XX/XXXX

XXXXX

400175548

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

63.49

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175491

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400175436

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167708

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.7

XX/XX/XXXX

XXXXX

400167451

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167587

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167478

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167406

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175490

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

65.43

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400167597

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

76.36

XXXXX

$-XXXXX

-0.0641

AVM

$XXXXX

$-XXXXX

-0.0641

0.06

XXXXX XXXXX

Other

XX/XX/XXXX

XXXXX

400175637

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

76.83

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167649

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.8

XX/XX/XXXX

XXXXX

400175516

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167698

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175596

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

31.09

XXXXX

Desk Review

$XXXXX

XXXXX

XX/XX/XXXX

XXXXX

400167671

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400167471

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175634

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400178873

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

58.33

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400175595

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

38.64

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400167662

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400167369

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400178896

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

2.1

XX/XX/XXXX

XXXXX

400178819

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

XX/XX/XXXX

XXXXX

400167504

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167375

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.2

XX/XX/XXXX

XXXXX

400175499

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Loan Collateral Advisor (LCA)

XX/XX/XXXX

Eligible

XXXXX

400178814

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

42.86

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175401

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.1

XX/XX/XXXX

XXXXX

400178931

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

66.86

XXXXX

$XXXXX

0.0429

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175423

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.5

XX/XX/XXXX

XXXXX

400167350

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400178958

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.3

XX/XX/XXXX

XXXXX

400175545

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

61.64

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

1.5

XX/XX/XXXX

XXXXX

400175506

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400179013

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175554

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

68.65

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175581

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175447

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

74.51

XXXXX

Collateral Underwriter (CU)

2.2

XX/XX/XXXX

XXXXX

400175529

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400179066

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175526

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400178788

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

55.05

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400179050

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.6

XX/XX/XXXX

XXXXX

400175626

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low risk

XX/XX/XXXX

XXXXX

400178934

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400178973

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

43.58

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175412

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175503

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400175662

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.3

XX/XX/XXXX

XXXXX

400175403

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

$-XXXXX

-0.0413

AVM

$XXXXX

$-XXXXX

-0.0413

0.03

XXXXX XXXXX

ClearAVM

XX/XX/XXXX

XXXXX

400175421

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

44.69

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400179045

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175610

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400193029

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400178851

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400179083

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.7

XX/XX/XXXX

XXXXX

400178996

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400178979

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1025 Small Residential Income Report

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400175649

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400175527

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.6

XX/XX/XXXX

XXXXX

400178969

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175651

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175498

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.8

XX/XX/XXXX

XXXXX

400178957

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

67.41

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400178914

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400175478

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

83.56

XXXXX

Desk Review

$XXXXX

XXXXX

Low risk

XX/XX/XXXX

XXXXX

400175449

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400193035

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

72.73

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400179068

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

$XXXXX

0.0207

AVM

$XXXXX

0.0207

0.02

XXXXX XXXXX

Other

XX/XX/XXXX

XXXXX

400178965

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

1.3

XX/XX/XXXX

XXXXX

400194047

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1073 Individual Condo Report

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.1

XX/XX/XXXX

XXXXX

400193069

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

50.81

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400193057

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

$-XXXXX

-0.0857

Desk Review

$XXXXX

$-XXXXX

-0.0857

XXXXX

Moderate Risk

XX/XX/XXXX

XXXXX

400192974

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Desk Review

$XXXXX

XXXXX

Low Risk

XX/XX/XXXX

XXXXX

400178924

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XX/XX/XXXX

XXXXX

400167639

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.2

XX/XX/XXXX

XXXXX

400179018

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

XXXXX

Desk Review

$XXXXX

XXXXX

Moderate Risk

XX/XX/XXXX

3.7

XX/XX/XXXX

XXXXX

400175534

XX/XX/XXXX

$X,XXX.XX

XX/XX/XXXX

1004 URAR

XXXXX

XXXXX XXXXX

XXXXX

Collateral Underwriter (CU)

1.3

XX/XX/XXXX

Loan ID	ALT ID	Seller Loan ID	Investor Loan ID	Transaction ID	Field Name	Source	Verified Value	Bid Tape Value	Comment
XXXXX	400167533			XXXXX	Qualifying FICO	creditLiabilitiesPage	788	777	Audit value pulled from documents located in the loan file.
XXXXX	400167581			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit value pulled from documents located in the loan file.
XXXXX	400175424			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	36.96	37.02	DTI difference is less than 1% and within lender tolerance
XXXXX	400167514			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
XXXXX	400167673			XXXXX	Qualifying LTV	propertyValuationPage	59.54	70	Audit Value of Subject Loan / Qualifying Value
XXXXX	400167673			XXXXX	Qualifying CLTV	propertyValuationPage	59.54	70	Audit Value of Subject Loan / Qualifying Value
XXXXX	400175532			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	32.55	31.75	Audit reflects difference in negative rental income per documents in the loan file and Audit liabilities were based on documents in the loan file.
XXXXX	400175548			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	13.49	13.94	Audit reflects difference in qualifying P & I than the approval.
XXXXX	400167478			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	43.71	43.8	DTI difference is less than 1% and within lender tolerance
XXXXX	400167406			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	43.71	43.98	DTI difference is less than 1% and within lender tolerance
XXXXX	400175490			XXXXX	Qualifying LTV	propertyValuationPage	65.43	70	Audit Value of Subject Lien / Qualifying Value
XXXXX	400175490			XXXXX	Qualifying CLTV	propertyValuationPage	65.43	70	Audit Value of Subject Lien + 2nd Lien / Qualifying Value
XXXXX	400167671			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit value pulled from Note
XXXXX	400167671			XXXXX	Borrower 1 First Name	notePage	XXXXX	XXXXX	Audit value pulled from Note
XXXXX	400167369			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit value pulled from Note.
XXXXX	400167369			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	44.08	44.29	DTI difference is less than 1% and within lender tolerance
XXXXX	400178819			XXXXX	Qualifying FICO	creditLiabilitiesPage	809	799	Audit value based on lender qualifying requirements.
XXXXX	400167504			XXXXX	Qualifying FICO	creditLiabilitiesPage	731	705	Audit value based on lender qualifying requirements.
XXXXX	400167504			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	44.7	45.06	Audit reflects difference in qualifying P & I than the approval.
XXXXX	400167375			XXXXX	Prepayment Penalty Flag	notePage	Yes	Y
XXXXX	400178814			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	48.52	46.19	Audit liabilities were based on the most recent credit report in the loan file
XXXXX	400178931			XXXXX	Qualifying FICO	creditLiabilitiesPage	726	765	Audit value pulled from documents located in the loan file.
XXXXX	400179066			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	44.73	39.59	Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX and the Undisclosed Debt Report dated XX/XX/XXXX.
XXXXX	400175526			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	37.04	37.68	Audit reflects difference in subject homeowner’s insurance per documents in the loan file.
XXXXX	400175662			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	38.95	37.98	DTI difference is less than 1% and within lender tolerance
XXXXX	400175403			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	47.41	47.74	Audit reflects difference in qualifying P & I than the approval.
XXXXX	400179083			XXXXX	Qualifying FICO	creditLiabilitiesPage	785	805	Audit Value pulled from Most recent credit report
XXXXX	400178996			XXXXX	Prepayment Penalty Flag	notePage	Yes	Y
XXXXX	400175649			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
XXXXX	400175649			XXXXX	Borrower 1 First Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
XXXXX	400175527			XXXXX	Note Date	notePage	XX/XX/XXXX	XX/XX/XXXX	Audit value pulled from Note
XXXXX	400178969			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
XXXXX	400179068			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	27.54	27.76	Audit reflects difference in subject property P&I and taxes as per documents in the loan file.
XXXXX	400194047			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.
XXXXX	400194047			XXXXX	Qualifying Total Debt Income Ratio	diligenceFinalLookPage	27.59	27.62	DTI difference is less than 1% and within lender tolerance
XXXXX	400192974			XXXXX	Borrower 1 Last Name	notePage	XXXXX	XXXXX	Audit Value Pulled From Note.