Exhibit 99.3 Schedule 2

 

ATR QM Upload                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
Loans in Report:  33                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
Marketing ID Loan Number Deal Seller Loan Number Original Principal Balance State Loan Level ATR/QM Status Verification Safe Harbor (VSH)? Lender Provided ATR/QM Worksheet Initial Lender ATR/QM Status Application Date Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Occupancy Property Type Number of Units Loan Type Exempt Loan Product Type Exempt Loan Housing Agency Community Housing Development Credit Under Economic Stabilization Act Of 2008 Refinance Of Non-Standard Mortgage Higher Priced Covered Transaction State Prepay Exceptions Loan Purpose Loan Term Exceeds 30 Years Interest Only Feature Negative Amortization Balloon Payment Prepay Penalty Flag Prepayment Penalty Type Prohibited Prepayment Penalty Exceeds Points And Fees Exceeds DTI Limit Lien Position APR QM Calculated DTI Adherence QM Lenders DTI Adherence QM Fee Adherence - Total Charges % QM Fee Adherence - Lenders Fee % Fannie Mae Eligible Freddie Mac Eligible VA Guaranty Eligible FHA Insured Eligible USDA Guarantee Eligible Rural Housing Service Insured Eligible QM - Expected Income Or Assets For DTI QM - Current Employment Status For DTI QM - Monthly Payment On Subject Loan For DTI QM - Monthly Payment On Additional Loan For DTI QM - Monthly Payment Mortgage Related Obligations QM - Current Debt Obligations Alimony and Child Support for DTI QM - Monthly DTI Ratio Or Residual Income One or more Verification Safe Harbor Guidelines used? Current/Reasonably Expected Income or Assets per Guideline used? Current Debt Obligations, Alimony & Child Support per Guideline used? Monthly DTI (includes monthly payment on subject loan and simultaneous loans) Monthly Residual Income per guideline used? Compensating Factors used for QM determination documented before closing? ATR - Guidelines Provided to Document Approach ATR - Current And Expected Income And Assets ATR - Current Employment Status ATR - Mortgage Payment Obligation ATR - Mortgage Payment on Simultaneous Transaction ATR - Payment For Mortgage Related Obligations ATR - Debt Obligations Including Alimony and Child Support ATR - Monthly DTI Ratio or Residual Income ATR - Consumer Credit History ATR Lenders - DTI (Back) ATR Calculated DTI (Back) QM Lender Value DTI (Back) QM Calculated DTI (Back) Initial DTI (Back) DTI Qualifying (Back) Residual Income Analysis in File Residual Income Guidelines Did Loan Meet Guidelines Residual Income Amount Asset Depletion Asset Depletion Months Amortized Asset Utilization Partial Asset Depletion Short Sale Short Sale Date Deed In Lieu Deed In Lieu Date QRM Flag Borrower 2 Guarantor Flag Borrower 2 Personal Guaranty Recourse to Borrower Borrower 3 Guarantor Flag Borrower 3 Personal Guaranty Recourse to Borrower Borrower 4 Guarantor Flag Borrower 4 Personal Guaranty Recourse to Borrower Borrower 1 Paystub Flag Borrower 1 Paystub Number of Months Borrower 2 Paystub Flag Borrower 2 Paystub Number of Months Borrower 3 Paystub Flag Borrower 3 Paystub Number of Months Borrower 4 Paystub Flag Borrower 4 Paystub Number of Months Borrower 1 W2 Flag Borrower 1 W2 Number of Months Borrower 2 W2 Flag Borrower 2 W2 Number of Months Borrower 3 W2 Flag Borrower 3 W2 Number of Months Borrower 4 W2 Flag Borrower 4 W2 Number of Months Borrower 1 Personal Tax Return Flag Borrower 1 Personal Tax Return Number of Months Borrower 2 Personal Tax Return Flag Borrower 2 Personal Tax Return Number of Months Borrower 3 Personal Tax Return Flag Borrower 3 Personal Tax Return Number of Months Borrower 4 Personal Tax Return Flag Borrower 4 Personal Tax Return Number of Months Borrower 1 Business Tax Return Flag Borrower 1 Business Tax Return Number of Months Borrower 2 Business Tax Return Flag Borrower 2 Business Tax Return Number of Months Borrower 3 Business Tax Return Flag Borrower 3 Business Tax Return Number of Months Borrower 4 Business Tax Return Flag Borrower 4 Business Tax Return Number of Months Borrower 1 Verbal VOE Flag Borrower 1 Verbal VOE Number of Months Borrower 2 Verbal VOE Flag Borrower 2 Verbal VOE Number of Months Borrower 3 Verbal VOE Flag Borrower 3 Verbal VOE Number of Months Borrower 4 Verbal VOE Flag Borrower 4 Verbal VOE Number of Months Borrower 1 Written VOE Flag Borrower 1 Written VOE Form Borrower 1 Written VOE Number of Months Borrower 2 Written VOE Flag Borrower 2 Written VOE Form Borrower 2 Written VOE Number of Months Borrower 3 Written VOE Flag Borrower 3 Written VOE Form Borrower 3 Written VOE Number of Months Borrower 4 Written VOE Flag Borrower 4 Written VOE Form Borrower 4 Written VOE Number of Months Borrower 1 P&L Flag Borrower 1 P&L Prepared By Borrower 1 P&L Number of Months Borrower 2 P&L Flag Borrower 2 P&L Prepared By Borrower 2 P&L Number of Months Borrower 3 P&L Flag Borrower 3 P&L Prepared By Borrower 3 P&L Number of Months Borrower 4 P&L Flag Borrower 4 P&L Prepared By Borrower 4 P&L Number of Months Borrower 1 Lease Agreement Flag Borrower 1 Lease Agreement Number of Months Borrower 2 Lease Agreement Flag Borrower 2 Lease Agreement Number of Months Borrower 3 Lease Agreement Flag Borrower 3 Lease Agreement Number of Months Borrower 4 Lease Agreement Flag Borrower 4 Lease Agreement Number of Months Equity Income Flag Equity Income Amount Equity Income Number of Months Cross Collateralized Loan? Is the Loan a Short-Term Rental? DSCR with Rent Schedule Flag DSCR with Rent Schedule Income Amount DSCR with Lease Agreement Flag DSCR with Lease Agreement Income Amount DSCR % DSCR Method Used Borrower 1 CPA Letter with Income Flag Borrower 1 CPA Letter with Income Number of Months Borrower 1 CPA Letter without Income Flag Borrower 1 CPA Letter without Income Number of Months Borrower 2 CPA Letter with Income Flag Borrower 2 CPA Letter with Income Number of Months Borrower 2 CPA Letter without Income Flag Borrower 2 CPA Letter without Income Number of Months Borrower 3 CPA Letter with Income Flag Borrower 3 CPA Letter with Income Number of Months Borrower 3 CPA Letter without Income Flag Borrower 3 CPA Letter without Income Number of Months Borrower 4 CPA Letter with Income Flag Borrower 4 CPA Letter with Income Number of Months Borrower 4 CPA Letter without Income Flag Borrower 4 CPA Letter without Income Number of Months Borrower 1 Personal Bank Statements Flag Borrower 1 Personal Bank Statements Number of Months Borrower 2 Personal Bank Statements Flag Borrower 2 Personal Bank Statements Number of Months Borrower 3 Personal Bank Statements Flag Borrower 3 Personal Bank Statements Number of Months Borrower 4 Personal Bank Statements Flag Borrower 4 Personal Bank Statements Number of Months Borrower 1 Business Bank Statements Flag Borrower 1 Business Bank Statements Number of Months Borrower 2 Business Bank Statements Flag Borrower 2 Business Bank Statements Number of Months Borrower 3 Business Bank Statements Flag Borrower 3 Business Bank Statements Number of Months Borrower 4 Business Bank Statements Flag Borrower 4 Business Bank Statements Number of Months Borrower 1 Award Letter Flag Borrower 1 Award Letter Number of Months Borrower 2 Award Letter Flag Borrower 2 Award Letter Number of Months Borrower 3 Award Letter Flag Borrower 3 Award Letter Number of Months Borrower 4 Award Letter Flag Borrower 4 Award Letter Number of Months Borrower 1 Offer Letter Flag Borrower 1 Offer Letter Number of Months Borrower 2 Offer Letter Flag Borrower 2 Offer Letter Number of Months Borrower 3 Offer Letter Flag Borrower 3 Offer Letter Number of Months Borrower 4 Offer Letter Flag Borrower 4 Offer Letter Number of Months Borrower 1 IRS Transcripts - Tax Returns Flag Borrower 1 IRS Transcripts - Tax Returns Number of Months Borrower 1 IRS Transcripts - W2s Flag Borrower 1 IRS Transcripts - W2s Number of Months Borrower 2 IRS Transcripts - Tax Returns Flag Borrower 2 IRS Transcripts - Tax Returns Number of Months Borrower 2 IRS Transcripts - W2s Flag Borrower 2 IRS Transcripts - W2s Number of Months Borrower 3 IRS Transcripts - Tax Returns Flag Borrower 3 IRS Transcripts - Tax Returns Number of Months Borrower 3 IRS Transcripts - W2s Flag Borrower 3 IRS Transcripts - W2s Number of Months Borrower 4 IRS Transcripts - Tax Returns Flag Borrower 4 IRS Transcripts - Tax Returns Number of Months Borrower 4 IRS Transcripts - W2s Flag Borrower 4 IRS Transcripts - W2s Number of Months Borrower 1 Income Doc Type Summary Borrower 2 Income Doc Type Summary Borrower 3 Income Doc Type Summary Borrower 4 Income Doc Type Summary BK Chapter BK Filing Date Months Since Filing Date BK Discharge Date Months Since Discharge Date Ever in F/C? F/C Last Proceeding Date Borrower 1 Documentation Used to Determine Legal Residency Borrower 2 Documentation Used to Determine Legal Residency Borrower 3 Documentation Used to Determine Legal Residency Borrower 4 Documentation Used to Determine Legal Residency
12 XX XX XX XX TN ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 7.0074 No No 0.962 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 45.4 0 45.4 45.4 45.4 (No Data) (No Data) (No Data) 9493.4 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
24 XX XX XX XX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.2331 No No 2.353 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 23.22 0 23.22 23.22 23.22 (No Data) (No Data) (No Data) 51978.52 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
28 XX XX XX XX IA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3% of amt prepd in 1 year, 2% for year 2 & 3, and 1% for years 4 & 5 (No Data) Yes Yes 1 7.6553 No No 7.479 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -10904.67 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) Yes 0.00 1.9200 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
29 XX XX XX XX IA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 3%, 2%, 1% of amt prepd in yr 1,2,3 (No Data) Yes Yes 1 7.3286 No No 4.77 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -9962.89 No 0 (No Data) No No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) Yes 0.00 1.1300 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
31 XX XX XX XX VA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 9.3999 No No 1.931 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -10926.09 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 0.00 No (No Data) 1.2364 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
33 XX XX XX XX IL ATR/QM: Exempt (No Data) (No Data) (No Data) XX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.5268 No No 3.888 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4589.3 No 0 (No Data) No No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 2000.00 No (No Data) 1.3950 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
34 XX XX XX XX IL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.7097 No No 4.445 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1447.12 No 0 (No Data) No No (No Data) No (No Data) No Yes Full Recourse (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 1900.00 No (No Data) 1.3100 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
35 XX XX XX XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.4697 No No 7.482 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -15240.6 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 0.00 No (No Data) 1.3500 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
43 XX XX XX XX WA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No Yes No No No (No Data) (No Data) No Yes 1 6.4179 Yes No 0.181 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.59 0 39.59 39.59 42.85 (No Data) (No Data) (No Data) 17157.32 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
60 XX XX XX XX SC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.9038 Yes No 1.978 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.6 0 26.6 26.6 26.6 (No Data) (No Data) (No Data) 25599.74 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 13 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 28 Yes Independent Third Party (The Work Number, Equifax etc) 16 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 28 months		 Paystub - 13 months;
W2 - 24 months;
Written VOE - 16 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
63 XX XX XX XX SC ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.1173 No No 1.526 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -7685.15 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No Yes Yes 0.00 No (No Data) 1.4100 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
77 XX XX XX XX CA QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX Non-Permanent Resident Alien (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.8698 Yes Yes 0.766 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Yes Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 39.14 39.14 39.14 39.14 39.14 39.14 No No (No Data) 10906.8 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter - 1 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
78 XX XX XX XX PA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8318 Yes No 1.827 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 17.03 0 17.03 17.03 17.03 (No Data) (No Data) (No Data) 6437.46 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 84 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter - 84 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
83 XX XX XX XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.4584 Yes No 0.822 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.51 0 41.51 41.51 41.51 (No Data) (No Data) (No Data) 18175.19 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 3 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
85 XX XX XX XX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.0765 Yes No 1.247 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 17.28 0 17.28 17.28 17.28 (No Data) (No Data) (No Data) 328935.4 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
89 XX XX XX XX MI QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX Permanent Resident Alien (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 7.0305 No No 2.248 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 48.85 45.84 48.85 45.84 45.84 45.84 No No (No Data) 3147.81 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 5 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 12 months;
CPA Letter - 60 months;
Personal Bank Statements - 5 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
91 XX XX XX XX VA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.1489 No No 5.865 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1459.17 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 0.00 No (No Data) 0.8800 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
92 XX XX XX XX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX (No Data) U.S. Citizen (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 7.6662 No No 1.466 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -17336.98 No 0 (No Data) No No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) Yes 3188.89 1.2770 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
93 XX XX XX XX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) Yes Yes 1 7.7278 No No 3.133 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5669.41 No 0 (No Data) No No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
96 XX XX XX XX CA QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.2206 No No 1.656 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.68 46.46 46.68 46.46 46.46 46.46 No No (No Data) 12269.18 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 2 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 2 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
100 XX XX XX XX AZ ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.4012 Yes No 3.431 (No Data) Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.53 0 30.53 30.53 30.53 (No Data) (No Data) (No Data) 5821.78 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months		 Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
103 XX XX XX XX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) No Yes 1 6.9075 Yes No 1.343 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.77 47.57 47.77 40.18 40.18 43.4 Yes Yes Yes 27637.14 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
105 XX XX XX XX TX QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.7348 Yes Yes 2.975 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 38.55 38.55 38.55 38.55 38.55 38.55 No No (No Data) 4096.1 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 72 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Business Bank Statements - 12 months;
CPA Letter - 72 months		 (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
110 XX XX XX XX OK ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.9877 No No 4.64 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -10486.91 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No Yes Yes 0.00 No (No Data) 1.7500 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
113 XX XX XX XX CA QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.2192 Yes Yes 2.806 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 42.2 42.2 42.2 42.2 42.2 42.2 No No (No Data) 7511.34 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes Tax Preparer 12 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) P & L - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
114 XX XX XX XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.7323 Yes No 2.69 (No Data) No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.9 0 40.9 40.9 40.9 (No Data) (No Data) (No Data) 12065.32 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Bank Statement for Retirement Income - 2 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
117 XX XX XX XX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No Yes No No No (No Data) (No Data) No Yes 1 7.2049 Yes No 0.791 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.55 0 11.55 11.55 13.02 (No Data) (No Data) (No Data) 47808.96 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
126 XX XX XX XX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.3683 No No 2.265 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 48.88 0 48.88 48.88 48.88 (No Data) (No Data) (No Data) 7609.01 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 15 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 15 months;
CPA Letter - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
127 XX XX XX XX MO ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.4173 No No 2.171 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3074.11 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No Yes 1300.00 No (No Data) 1.3160 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
130 XX XX XX XX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8982 Yes No 2.722 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.77 0 28.77 28.77 28.77 (No Data) (No Data) (No Data) 10253.07 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
132 XX XX XX XX IA ATR/QM: Exempt (No Data) (No Data) (No Data) XX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.6635 No No 2.192 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5835.82 No 0 (No Data) No No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
133 XX XX XX XX UT QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX U.S. Citizen (No Data) (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.5238 Yes Yes 0.946 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes No No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 36.36 36.93 36.36 36.93 36.93 36.93 No No (No Data) 5783.2 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes Independent Third Party (The Work Number, Equifax etc) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 12 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
136 XX XX XX XX TX QM: Safe Harbor (APOR) No Present QM: Safe Harbor (APOR) XX Permanent Resident Alien (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.7324 No No 0.334 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Not Applicable No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 43.82 43.12 43.82 43.12 43.12 43.12 No No (No Data) 7167.03 No 0 (No Data) No No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No No No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) No (No Data) 0 (No Data) 0 No (No Data) (No Data) (No Data) (No Data) (No Data)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
 


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