Exhibit 99.30
Opus Standard Findings Report
| Seller | Loan ID | Deal 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? |
| XXXX | XXXX | 4350123859 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value 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-08/24/2026 Ready for Review-Please waive - Buyer-08/22/2026 Open-S&P value 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-08/21/2026 |
Acknowledged-S&P value 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-08/24/2026 |
XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350123859 | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Acknowledged-Appraisal was transferred to the lender. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/24/2026 Counter-E-consent in file is dated after the delivery receipt. E-consent is dated XXXX and the appraisal was emailed XXXX. Please provide E-consent dated prior to the appraisal delivery date. Condition remains - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Buyer-08/22/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-08/20/2026 |
Acknowledged-Appraisal was transferred to the lender. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/24/2026 |
delivery.pdf | XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | |||||
| XXXX | XXXX | 4350123859 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Document Uploaded. - Due Diligence Vendor-08/24/2026 Resolved-Lender provided the appraisal invoice to complete the appraisal transfer documents - Due Diligence Vendor-08/24/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-08/24/2026 Open-Appraisal Transfer Does Not Meet Guideline Requirements. - Due Diligence Vendor-08/24/2026 |
Resolved-Document Uploaded. - Due Diligence Vendor-08/24/2026 Resolved-Lender provided the appraisal invoice to complete the appraisal transfer documents - Due Diligence Vendor-08/24/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-08/24/2026 |
Invoice.pdf | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123859 | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-Lender Acknowledged. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/24/2026 Ready for Review-Please waive - Buyer-08/22/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. - Due Diligence Vendor-08/20/2026 |
Acknowledged-Lender Acknowledged. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/24/2026 |
XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350123852 | Closed | XXXX | XXXX | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-08/24/2026 Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Buyer-08/22/2026 Open-Appraisal not provided. Audit was unable to locate the appraisal completed by XXXX with an effective date of XXXX and an appraised value of $XXXX. This appraisal reflects a CU Risk Score of 1.4 on the UCDP, which is within tolerance. The appraisal included in the loan file was completed by XXXX with an effective date of XXXX and an appraised value of $XXXX This appraisal reflects a CU Risk Score of 3.5, which exceeds tolerance, and no desk review was provided to support the elevated score. In addition, XXXX is not listed on the Fraud Report under the Loan Participant Analysis section. - Due Diligence Vendor-08/21/2026 |
Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-08/24/2026 |
Appraisal.pdf | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123852 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensation factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Buyer-08/22/2026 Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-08/21/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensation factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/24/2026 |
Exception.pdf | FICO 808, 108>700 min Res 6 mo, 4 mo>2 mo min |
XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350123855 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. - Buyer-08/29/2026 Counter-Per Lender Guidelines Section 4.2, funds held by a member of the entity who is not a guarantor are not considered acceptable asset documentation. - Due Diligence Vendor-08/26/2026 Ready for Review-Escalated - Buyer-08/26/2026 Open-Asset Qualification Does Not Meet Guideline Requirements The party contributing $XXXX toward the purchase holds a 60% ownership interest in the entity vesting LLC but is not a guarantor on the loan. Per Lender Guidelines Section 4.2, funds held by a member of the entity who is not a guarantor are not considered acceptable asset documentation. - Due Diligence Vendor-08/25/2026 |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/31/2026 |
Exception.pdf | FICO 802 vs 700 DSCR 1.59 vs 1.0 Pri Mtg 0x30x76 vs 1x30x12 |
XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | 4350123854 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Buyer-08/27/2026 Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX- Due Diligence Vendor-08/25/2026 |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/27/2026 |
Exception.pdf | DTI: 30%, 20% < 50% max FICO 793, 73 pts > 720 min Hou His 0x30x28 vs 1x30x12 |
XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | 4350123851 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Lender provided COC reducing the lender credit from $XXXX to $XXXX. Condition cleared. - Due Diligence Vendor-08/27/2026 Resolved-Resolved - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open- - Due Diligence Vendor-08/26/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is (XXXX). The actual total fee amount shows a credit amount of ($XXXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Initial Closing Disclosure, dated (XXXX), reflects a general Lender Credit of ($XXXX) in Section J. Final CD dated (XXXX) reflects a general Lender Credit of ($XXXX) in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 |
Resolved-Lender provided COC reducing the lender credit from $3357 to $2982. Condition cleared. - Due Diligence Vendor-08/27/2026 Resolved-Resolved - Due Diligence Vendor-08/27/2026 |
XXXX COC.pdf | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350123851 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided COC reducing the lender credit from $XXXX to $XXXX. Condition cleared. - Due Diligence Vendor-08/27/2026 Resolved-Resolved - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open- - Due Diligence Vendor-08/26/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is (XXXX). The actual total fee amount shows a credit amount of ($XXXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Initial Closing Disclosure, dated (XXXX), reflects a general Lender Credit of ($XXXX) in Section J. Final CD dated (XXXX) reflects a general Lender Credit of ($XXXX) in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 Open- - Due Diligence Vendor-08/26/2026 |
Resolved-Lender provided COC reducing the lender credit from $3357 to $2982. Condition cleared. - Due Diligence Vendor-08/27/2026 Resolved-Resolved - Due Diligence Vendor-08/27/2026 |
XXXX COC.pdf | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123856 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to consummation and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/27/2026 Ready for Review-Property type is ineligible due to As per as guidelines max 20 acres is only allowed, however subject property has XXXX acres. . - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Buyer-08/27/2026 Open-Property type is ineligible due to As per as guidelines max 20 acres is only allowed, however subject property has XXXX acres. As per as guidelines max 20 acres is only allowed, however subject property has XXXX acres - Due Diligence Vendor-08/26/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/27/2026 |
Exception.pdf | 100 months reserves, 97 mos > 3 mos minimum 730 FICO Score, 70 points > 660 minimum 6 years Self - Employment, 4 yrs > 2 yr min. |
XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350123863 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value 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-08/31/2026 Open-S&P value 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-08/31/2026 |
Acknowledged-S&P value 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-08/31/2026 |
XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No | ||||||
| XXXX | XXXX | 4350123863 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Gift funds were updated from $XXXX per the gift letter to $XXXX, which reflects the amount needed for cash to close per the final CD, copy of wire provided, condition resolved. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. This was in the file and the account number matches the account number on the gift letter, please rescind and confirm - Buyer-08/27/2026 Open-Gift Documentation Incomplete. Missing evidence of the $XXXXK gift wired directly to the closing agent at time of closing. - Due Diligence Vendor-08/27/2026 |
Resolved-Gift funds were updated from $XXXX per the gift letter to $XXXXwhich reflects the amount needed for cash to close per the final CD, copy of wire provided, condition resolved. - Due Diligence Vendor-08/28/2026 |
XXXX FTC.pdf | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123863 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Missing Doc | Invoice - Missing or Incomplete | Resolved-Invoices provided, condition resolved. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Buyer-08/27/2026 Open-Invoice - Missing or Incomplete. Audit could not verify appraisal fees totaling $XXXX and $XXXX due to missing invoices. - Due Diligence Vendor-08/27/2026 |
Resolved-Invoices provided, condition resolved. - Due Diligence Vendor-08/28/2026 |
Invoices.pdf | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123863 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Property | Property | Property or house size is outside of guidelines | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open-According to lender guidelines section 6.10 for a Condotel, minimum unit size of 500 square feet required, subject unit is XXXX square feet. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 |
Exception.pdf | Fico 732, 72>660 min RES 5 mo, 3>2 min DSCR 1.13, .13>1.00 min |
XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 4350123863 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Buyer-08/27/2026 Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-08/26/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 |
Exception.pdf | Fico 732, 72>660 min RES 5 mo, 3>2 min DSCR 1.13, .13>1.00 min |
XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350123857 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Buyer-08/28/2026 Open-Audited Reserves of 6.3 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-08/27/2026 |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/28/2026 |
Exception.pdf | FICO 740, 40>700 min DTI 24%, 21%<45% max 16 years self employed |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | 4350123857 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Buyer-08/28/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-08/26/2026 |
Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-08/28/2026 |
Exception.pdf | FICO 740, 40>700 min DTI 24%, 21%<45% max 16 years self employed |
XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXX | 4350123869 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Missing Doc | Missing Documentation- Visa or Valid Passport (Borrower 1) | Waived-NPRA with F1 Visa (I-20 form provided in lieu of visa along with a social security number) Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-08/28/2026 Open-Missing Documentation- Visa or Valid Passport (Borrower 1) Per lender guidelines (Section 2.7.1.44), a foreign national with a qualifying visa may take title as an individual. However, Audit was unable to locate a copy of the borrower’s visa in the file. Audit does acknowledge receipt of the borrower’s Form I-20. - Due Diligence Vendor-08/27/2026 |
Waived-NPRA with F1 Visa (I-20 form provided in lieu of visa along with a social security number) Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 |
Exception.pdf | DSCR 1.125% > 1.0% min Fico 792, 112>680 min LTV 70%, 5%<75% max |
XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350123869 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Ready for Review-As a NPRA, not a FN, they do not need 10% of their own funds. - Due Diligence Vendor-08/28/2026 Resolved-Lender confirmed treating Borrower as a NPRA with a F1 visa (I-20 form provided in lieu of visa along with a social security number), not a FN, they do not need 10% of their own funds, condition resolved. - Due Diligence Vendor-08/28/2026 Open-According to lender guidelines (Section 2.7.1.4.9.3, Gift Funds), gift funds are permitted provided the borrower contributes a minimum 10% investment from their own funds. Audit was unable to locate documentation evidencing the borrower’s required 10% contribution. - Due Diligence Vendor-08/27/2026 |
Resolved-Lender confirmed treating Borrower as a NPRA with a F1 visa (I-20 form provided in lieu of visa along with a social security number), not a FN, they do not need 10% of their own funds, condition resolved. - Due Diligence Vendor-08/28/2026 |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||||
| XXXX | XXXX | 4350123869 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Document Uploaded. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 Open-Housing History Does Not Meet Guideline Requirements In accordance with lender guidelines (Section 3.4.2), DSCR loans for borrowers residing rent-free require management review and exception. Currently, the audit team is unable to locate the documented approval for this exception in the loan file. - Due Diligence Vendor-08/28/2026 |
Waived-Document Uploaded. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/28/2026 |
Exception.pdf | DSCR 1.125% > 1.0% min Fico 792, 112>680 min LTV 70%, 5%<75% max |
XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350123865 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 3 | Resolved-Satisfactory documentation provided verifying rental income received during the lookback period, condition resolved. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Buyer-08/31/2026 Open-Audit was unable to verify rental income received during the lookback period. Documentation must be provided in the form of either 12 consecutive monthly statements or an annual statement from the online rental payment service. If the borrower owns only one rental property, bank statements showing deposits clearly identified as rental income may be accepted as an alternative per lender guidelines section 5.6.1.3.2. - Due Diligence Vendor-08/31/2026 |
Resolved-Satisfactory documentation provided verifying rental income received during the lookback period, condition resolved. - Due Diligence Vendor-09/01/2026 |
STR.pdf | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123865 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 2 | Resolved-Satisfactory documentation provided reflecting that the property is in a regulatory zone that allows short-term rentals, condition resolved. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Buyer-08/31/2026 Open-Audit could not locate evidence that the property is in a regulatory zone that allows short-term rentals per lender guidelines section 5.6.1.3.2. - Due Diligence Vendor-08/31/2026 |
Resolved-Satisfactory documentation provided reflecting that the property is in a regulatory zone that allows short-term rentals, condition resolved. - Due Diligence Vendor-09/01/2026 |
STR.pdf | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123865 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Active short term rental online listing provided, condition resolved. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Buyer-08/31/2026 Open-Audit could not locate a screen shot of the online listing must show the property(s) actively marketed as a short-term rental with documentation of future rentals booked per lender guidelines section 5.6.1.3.2. - Due Diligence Vendor-08/31/2026 |
Resolved-Active short term rental online listing provided, condition resolved. - Due Diligence Vendor-09/01/2026 |
STR.pdf | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123864 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COC dated XXXX reducing the lender credit, changing the loan purpose and extending the rate lock. Condition cleared - Due Diligence Vendor-09/03/2026 Resolved-Resolved - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-09/01/2026 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit decreased from $XXXXto $XXX requiring a refund of $XXXX, The appraisal fee increased from $560 to $XXXX, requiring a refund of $XXXX, the Processing fee increased from $XXXX to $XXXX requiring a refund of $XXXX. Per the final CD a refund of $XXXX was provided. An additional refund of $XXXX is required. - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. - Seller-09/03/2026 |
Resolved-Lender provided COC dated XXXX reducing the lender credit, changing the loan purpose and extending the rate lock. Condition cleared - Due Diligence Vendor-09/03/2026 Resolved-Resolved - Due Diligence Vendor-09/03/2026 |
XXXX COC.pdf | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350123864 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided COC dated XXXX reducing the lender credit, changing the loan purpose and extending the rate lock. Condition cleared - Due Diligence Vendor-09/03/2026 Resolved-Resolved - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. - Seller-09/03/2026 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-09/01/2026 Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit decreased from $XXXXto $XXX requiring a refund of $XXXX, The appraisal fee increased from $560 to $XXXX, requiring a refund of $XXXX, the Processing fee increased from $XXXX to $XXXX requiring a refund of $XXXX. Per the final CD a refund of $XXXX was provided. An additional refund of $XXXX is required. - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 Open- - Due Diligence Vendor-09/01/2026 |
Resolved-Lender provided COC dated XXXX reducing the lender credit, changing the loan purpose and extending the rate lock. Condition cleared - Due Diligence Vendor-09/03/2026 Resolved-Resolved - Due Diligence Vendor-09/03/2026 |
XXXX COC.pdf | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123861 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Disbursement Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. - Buyer-09/07/2026 Open-Hazard Insurance Effective Date of XXXX is after the Disbursement Date of XXXX - Due Diligence Vendor-09/02/2026 |
Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Disbursement Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/08/2026 |
XXXX EOI XXXX.do.pdf | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123881 | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property | Waived-Lender provided approved exception dated prior to consummation and all lender compensation factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. - Buyer-09/05/2026 Open-Subject is a 5-unit property; however, matrix only allows 1-4 units. The lock confirmation reflects an exception fee but no exception found in file. - Due Diligence Vendor-09/04/2026 |
Waived-Lender provided approved exception dated prior to consummation and all lender compensation factors have been documented and validated. Finding is non-material and loan will be graded a B. - Due Diligence Vendor-09/08/2026 |
Exception.pdf | LTV 15%, 60%<75% max FICO 764, 64>700 min DSCR 2.12x, 1.12x>1.0x min |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 4350123879 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Appraisal Transfer Does Not Meet Guideline Requirements | Resolved-Lender provided corrected appraisal, verifying the appraisal was not transferred and provided the appraisal invoice. Condition cleared. - Due Diligence Vendor-09/14/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. - Buyer-09/14/2026 Open-Appraisal Transfer Does Not Meet Guideline Requirements. Missing the appraisal invoice and appraisal transfer letter. - Due Diligence Vendor-09/09/2026 |
Resolved-Lender provided corrected appraisal, verifying the appraisal was not transferred and provided the appraisal invoice. Condition cleared. - Due Diligence Vendor-09/14/2026 Resolved-Appraisal Transfer Meets Guideline Requirements - Due Diligence Vendor-09/14/2026 |
Invoices.pdf corrected appraisal.pdf |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123879 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the closing documentation for REO 3e from the 1003. Condition resolved. - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. - Buyer-09/11/2026 Open-The file is missing Note, final CD/settlement statement and first payment letter/Coupon for recent refinance with lender of the borrower's primary residence, REO 3e on the final application to verify PITI and payoff of prior lien. Additional Conditions may apply. - Due Diligence Vendor-09/09/2026 |
Resolved-Lender provided the closing documentation for REO 3e from the 1003. Condition resolved. - Due Diligence Vendor-09/11/2026 |
Note.pdf FPL.pdf CD.pdf |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123879 | Closed | XXXX | XXXX | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. - Buyer-09/11/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-09/09/2026 |
Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-09/11/2026 |
XXXX Econsent.pdf | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | 4350123874 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Received evidence of gift funds, finding resolved. - Due Diligence Vendor-09/14/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXX is equal to or greater than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-09/14/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXX is less than Total Required Reserve Amount of $XXXX Lender's guidelines require 6 months reserves for first time investors. The lock confirmation contains an exception fee but no exception found in file. - Due Diligence Vendor-09/11/2026 |
There was an overpayment of the funds to close made by the borrower totaling $XXXX (via cashier’s checks in the amounts of $XXXX + $XXXX and $XXXX). Once I discovered the overpayment , I immediately notified the team and requested the $XXXXK gift to be sent in, which was approved at CTC. The donor sent the gift funds the next morning and the borrower was refunded $XXXX via a check from the title company (due to overpayment). The supporting documentation is attached. The borrower has $XXXXin excess funds after reserves and the funds to close were deducted. Borrower assets :$XXXX- XXXX (6 months reserves)= $XXXX amount of bwr funds to be used for closing - 09/14/2026 |
Resolved-Received evidence of gift funds, finding resolved. - Due Diligence Vendor-09/14/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXX is equal to or greater than Total Required Reserve Amount of $XXXX - Due Diligence Vendor-09/14/2026 |
XXXX FTC from bwr XXXX.pdf Refund check to the borrower for overpayment of $XXXX.pdf $XXXX gift funds.pdf |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350123874 | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received evidence of gift funds, finding resolved. - Due Diligence Vendor-09/14/2026 Resolved-Audited Reserves of 6.43 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/14/2026 Ready for Review- - Due Diligence Vendor-09/14/2026 Open-Audited Reserves of 2.35 month(s) are less than Guideline Required Reserves of 6 month(s) Lender's guidelines require 6 months reserves for first time investors - Due Diligence Vendor-09/11/2026 |
There was an overpayment of the funds to close made by the borrower totaling $XXXX (via cashier’s checks in the amounts of $XXXX + $XXXX and $XXXX). Once I discovered the overpayment , I immediately notified the team and requested the $XXXXK gift to be sent in, which was approved at CTC. The donor sent the gift funds the next morning and the borrower was refunded $XXXX via a check from the title company (due to overpayment). The supporting documentation is attached. The borrower has $XXXXin excess funds after reserves and the funds to close were deducted. Borrower assets :$XXXX- XXXX (6 months reserves)= $XXXX amount of bwr funds to be used for closing - 09/14/2026 |
Resolved-Received evidence of gift funds, finding resolved. - Due Diligence Vendor-09/14/2026 Resolved-Audited Reserves of 6.43 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/14/2026 |
XXXX FTC from bwr XXXX.pdf Refund check to the borrower for overpayment of $XXXX.pdf $XXXX gift funds.pdf |
XXXX | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | 4350123872 | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value 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-09/16/2026 Open-S&P value 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-09/16/2026 |
Acknowledged-S&P value 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-09/16/2026 |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |