Exhibit 99.1
Schedule 5 - Supplemental Data
Supplemental Data
Run Date - 10/6/2026 7:47:04 AM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| 225488642 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,427.50 | $1,353.14 | 7.292% | $2,928.24 | $2,928.24 | 7.250% | No | No | Self-Employed | US Citizen | $10,501.00 | 1 | [Redacted] | $3,642.96 | [Redacted] | $303.58 | 28.869% | 28.869% | 28.869% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,427.50 | 6.220% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $27,153.24 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225554388 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,390.00 | $12,440.95 | 6.876% | $6,226.54 | $6,226.54 | 6.750% | No | No | Self-Employed | US Citizen | $50,898.15 | 1 | [Redacted] | $3,079.08 | [Redacted] | $256.59 | 15.821% | 15.821% | 15.821% | [Redacted] | 717 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,390.00 | 6.260% | $0.00 | 1.3 | None | N/A | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $67,598.63 | 5.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 10.73 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225564845 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,690.00 | $20,230.35 | 7.662% | $6,572.62 | $6,572.62 | 7.500% | No | No | Self-Employed | US Citizen | $9,361.29 | 1 | [Redacted] | $1,743.48 | [Redacted] | $145.29 | 49.643% | 49.643% | 49.643% | [Redacted] | 707 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $6,690.00 | 6.300% | $0.00 | 2.6 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 13.00 | No | [redacted] | $340,183.10 | 28.950% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Next Generation | Beacon 5.0 | FICO Risk Score Classic 04 | 9.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225573677 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,840.00 | $6,912.00 | 8.738% | $1,937.66 | $1,937.66 | 8.500% | No | No | Employed | US Citizen | $6,400.69 | 1 | [Redacted] | $720.96 | [Redacted] | $60.08 | 35.132% | 35.132% | 35.132% | [Redacted] | 690 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,840.00 | 6.430% | $5,000.00 | 4.1 | None | Yes | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $119,672.55 | 37.990% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225575515 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,202.52 | $9,828.68 | 7.519% | $3,425.75 | $3,425.75 | 7.375% | No | No | Self-Employed | US Citizen | $27,254.00 | 1 | [Redacted] | $2,519.04 | [Redacted] | $209.92 | 14.066% | 14.066% | 14.066% | [Redacted] | 685 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,202.52 | 6.300% | $127,000.00 | 1.8 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $83,845.16 | 13.200% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 18.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225602464 | [Redacted] | [Redacted] | N/A | No | No | $1,613.58 | $1,613.58 | 6.625% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,508.16 | [Redacted] | $125.68 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | No | 85.28 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225638903 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,896.51 | $16,627.07 | 7.373% | $2,741.60 | $2,741.60 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,966.41 | 1 | [Redacted] | $4,508.04 | [Redacted] | $375.67 | 34.464% | 34.464% | 34.464% | [Redacted] | 691 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,896.51 | 6.410% | $0.00 | 4.0 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,075.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225647293 | [Redacted] | [Redacted] | N/A | No | No | $17,532.50 | $6,565.49 | 6.987% | $1,621.50 | $1,621.50 | 6.750% | No | No | Not Employed | Employed | US Citizen | $4,598.34 | 2 | [Redacted] | $1,740.00 | [Redacted] | $145.00 | 49.946% | 49.946% | 49.946% | [Redacted] | 738 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $17,532.50 | 6.370% | $0.00 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $65,271.89 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.02 | No | No | $0.00 | $9,186.67 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225652732 | [Redacted] | [Redacted] | N/A | No | No | $6,378.75 | $6,378.75 | 6.750% | No | No | 0 | US Citizen | 4 | [Redacted] | $6,849.00 | [Redacted] | $570.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | 240 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653382 | [Redacted] | [Redacted] | N/A | No | No | $7,690.38 | $7,690.38 | 7.990% | No | No | Foreign National | 1 | [Redacted] | $245.04 | [Redacted] | $20.42 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.05 | 240 | [redacted] | $1,054,730.02 | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | No | 45.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653969 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,916.00 | $14,938.41 | 7.236% | $2,568.59 | $2,568.59 | 6.875% | No | No | Self-Employed | US Citizen | $10,605.62 | 1 | [Redacted] | $1,818.00 | [Redacted] | $151.50 | 34.032% | 34.032% | 34.032% | [Redacted] | 685 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $13,916.00 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [redacted] | $35,502.06 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225653971 | [Redacted] | [Redacted] | N/A | No | No | $1,675.17 | $1,675.17 | 6.875% | No | No | Foreign National | Foreign National | 1 | [Redacted] | $940.56 | [Redacted] | $78.38 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $207,981.00 | 48.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | 12.84 | No | $0.00 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225654056 | [Redacted] | [Redacted] | N/A | No | No | $7,271.83 | $7,271.83 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $5,093.76 | [Redacted] | $424.48 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | $606,539.63 | 46.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.94 | Yes | 35.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225654167 | [Redacted] | [Redacted] | N/A | No | No | $6,685.33 | $6,685.33 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $4,751.52 | [Redacted] | $395.96 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.1 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [redacted] | $587,221.40 | 47.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 55.5 | Yes | 35.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225655293 | [Redacted] | [Redacted] | N/A | No | No | $1,541.94 | $1,541.94 | 6.990% | No | No | Non-Permanent Resident Alien | 3 | [Redacted] | $866.16 | [Redacted] | $72.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $8,700.00 | 3.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225657387 | [Redacted] | [Redacted] | N/A | No | No | $1,175.83 | $1,175.83 | 8.375% | No | No | US Citizen | 1 | [Redacted] | $1,621.80 | [Redacted] | $135.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 637 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225659047 | [Redacted] | [Redacted] | N/A | No | No | $7,224.29 | $7,224.29 | 7.990% | No | No | Foreign National | 1 | [Redacted] | $245.04 | [Redacted] | $20.42 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.07 | 240 | [redacted] | $1,143,163.85 | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | No | 53.32 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225663158 | [Redacted] | [Redacted] | N/A | No | No | $4,526.14 | $4,526.14 | 6.990% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $2,911.20 | [Redacted] | $242.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $179,424.81 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 30.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670136 | [Redacted] | [Redacted] | N/A | No | No | $5,159.64 | $6,828.24 | 7.150% | $1,060.46 | $1,060.46 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | $32,327.09 | 1 | [Redacted] | $437.04 | [Redacted] | $36.42 | 49.244% | 49.244% | 49.244% | [Redacted] | 760 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,159.64 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $665,492.20 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 463.05 | No | No | $63,691.27 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670262 | [Redacted] | [Redacted] | N/A | No | No | $5,159.64 | $6,791.24 | 7.147% | $1,060.46 | $1,060.46 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | $38,562.80 | 1 | [Redacted] | $437.04 | [Redacted] | $36.42 | 44.600% | 44.600% | 44.600% | [Redacted] | 760 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,159.64 | 6.370% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 3 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $468,816.70 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 324.91 | No | No | $69,608.09 | $0.00 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225670849 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,327.30 | 7.328% | $2,327.93 | $2,327.93 | 7.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $11,534.08 | 2 | [Redacted] | $3,111.00 | [Redacted] | $259.25 | 42.080% | 42.080% | 42.080% | [Redacted] | 730 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Rations]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.410% | $0.00 | DU | ApproveEligible | N/A | No | 7.250% | 1 | 0 | 3 | 0 | 3 | 1 | 0.00 | No | [redacted] | $269,016.06 | 59.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.08 | No | No | $8,968.46 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225671502 | [Redacted] | [Redacted] | N/A | No | No | $19,144.94 | $4,450.26 | 7.107% | $2,138.45 | $2,138.45 | 6.990% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Ecuador | $8,462.42 | 1 | [Redacted] | $1,572.00 | [Redacted] | $131.00 | 31.953% | 31.953% | 31.953% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2017 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $19,144.94 | 6.430% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $67,461.60 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 21.8 | No | No | $12,436.13 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225677412 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,887.50 | $20,471.85 | 6.793% | $2,893.51 | $2,893.51 | 6.375% | No | No | Self-Employed | US Citizen | $4,822.50 | 2 | [Redacted] | $2,751.00 | [Redacted] | $229.25 | 46.934% | 46.934% | 46.934% | [Redacted] | 752 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Other - 2026 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2025 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $18,887.50 | 5.980% | $0.00 | None | No | No | 6.375% | 0 | 2 | 0 | 2 | 1 | 1.90 | No | [redacted] | $27,559.40 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225678412 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $4,193.00 | 7.381% | $9,112.24 | $13,171.69 | 7.866% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $20,855.50 | 1 | [Redacted] | $2,639.16 | [Redacted] | $219.93 | 49.379% | 39.525% | 49.379% | [Redacted] | 705 | Yes | Yes | 12 | Business | 73.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.060% | $0.00 | 1.0 | None | Yes | No | 7.866% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | 240 | [redacted] | $306,091.32 | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.94 | No | No | $0.00 | $5,506.45 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225684280 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,536.62 | $9,957.10 | 6.450% | $5,241.02 | $5,830.47 | 6.892% | No | No | Employed | US Citizen | $11,372.64 | 1 | [Redacted] | $1,257.00 | [Redacted] | $104.75 | 42.635% | 39.662% | 42.635% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,536.62 | 6.240% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.892% | 1 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $302,880.40 | No | 15 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.58 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225689612 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,962.25 | $6,414.10 | 7.077% | $2,003.63 | $2,003.63 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,897.08 | 1 | [Redacted] | $1,461.96 | [Redacted] | $121.83 | 50.908% | 50.908% | 50.908% | [Redacted] | 675 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | Retirement Income - Fully Verified | [Redacted] | 0 | 0 | 0 | [redacted] | $3,962.25 | 6.260% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 1 | 0 | 4 | 1 | 0.00 | No | [redacted] | $22,263.24 | 3.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.32 | No | $1,838.90 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225691905 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,190.00 | $5,430.37 | 6.660% | $8,003.89 | $8,003.89 | 6.625% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $23,876.00 | 1 | [Redacted] | $3,162.96 | [Redacted] | $263.58 | 44.245% | 44.245% | 44.245% | [Redacted] | 706 | No | Yes | 12 | Business | 79.000% | 100.000% | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,190.00 | 6.320% | $670,000.00 | 1.0 | None | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $646,692.35 | 25.860% | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 8.95 | Yes | No | $33,982.83 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692760 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,577.00 | $11,745.89 | 6.992% | $6,122.58 | $6,122.58 | 6.875% | No | No | Non-Employment Income | US Citizen | $38,894.85 | 1 | [Redacted] | $9,240.24 | [Redacted] | $770.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Verification of Deposit - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $11,577.00 | 6.260% | $0.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,945,812.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 319.66 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 05/28/2027 | $750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692821 | [Redacted] | [Redacted] | N/A | No | No | $25,415.00 | $7,979.41 | 6.752% | $1,921.49 | $1,921.49 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $87,029.80 | 1 | [Redacted] | $1,074.60 | [Redacted] | $89.55 | 6.015% | 6.015% | 6.015% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $25,415.00 | 6.420% | $16,500.00 | 2.6 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $971,805.10 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 324.57 | No | No | $92,600.01 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225692845 | [Redacted] | [Redacted] | N/A | No | No | $24,902.36 | $7,842.83 | 6.753% | $1,880.98 | $1,880.98 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $87,132.39 | 1 | [Redacted] | $1,160.52 | [Redacted] | $96.71 | 5.905% | 5.905% | 5.905% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $24,902.36 | 6.420% | $19,680.57 | 1.0 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $139,586.84 | 37.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 325.57 | No | Yes | $92,600.01 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693857 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,985.00 | $18,410.62 | 6.750% | $6,901.04 | $9,411.88 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | Not Provided | $151,460.48 | 1 | [Redacted] | $7,766.04 | [Redacted] | $647.17 | 6.518% | 4.968% | 6.518% | [Redacted] | 749 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,985.00 | 6.260% | $20,000.00 | 3.4 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 240 | [redacted] | $2,647,758.38 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Trustee | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 189.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225693983 | [Redacted] | [Redacted] | N/A | No | No | $16,152.50 | $16,152.50 | 6.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,165.00 | [Redacted] | $263.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | Closed End | No | 240 | [redacted] | $1,111,947.78 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 46.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698096 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,485.00 | $5,090.02 | 6.911% | $6,445.31 | $8,637.90 | 6.875% | No | No | Self-Employed | US Citizen | $2,397,828.83 | 1 | [Redacted] | $5,748.96 | [Redacted] | $479.08 | 1.862% | 1.772% | 1.862% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 54.500% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 54.50% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,485.00 | 6.260% | $0.00 | 1.7 | None | Yes | No | 6.875% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 240 | [redacted] | $3,498,977.81 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 352.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698107 | [Redacted] | [Redacted] | N/A | No | No | $15,765.00 | $4,525.72 | 7.566% | $1,631.72 | $1,631.72 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $190,970.92 | 1 | [Redacted] | $1,251.96 | [Redacted] | $104.33 | 11.675% | 11.675% | 11.675% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,765.00 | 6.420% | $0.00 | 2.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.21 | No | No | $216,213.69 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225698253 | [Redacted] | [Redacted] | N/A | No | No | $2,227.59 | $2,227.59 | 8.125% | No | No | US Citizen | 2 | [Redacted] | $3,830.16 | [Redacted] | $319.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 688 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.94 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225701788 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,075.00 | $15,706.78 | 7.146% | $3,153.26 | $3,153.26 | 6.875% | No | No | Self-Employed | US Citizen | $26,208.96 | 1 | [Redacted] | $1,248.96 | [Redacted] | $104.08 | 26.733% | 26.733% | 26.733% | [Redacted] | 780 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,075.00 | 6.600% | $0.00 | 1.0 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $82,010.14 | 13.330% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225701902 | [Redacted] | [Redacted] | N/A | No | No | $15,090.00 | $4,199.07 | 7.434% | $1,534.90 | $1,534.90 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $210,950.78 | 1 | [Redacted] | $1,697.04 | [Redacted] | $141.42 | 2.434% | 2.434% | 2.434% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,090.00 | 6.420% | $0.00 | 2.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $752,077.98 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 318.9 | No | No | $216,213.69 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225702880 | [Redacted] | [Redacted] | N/A | No | No | $91,890.00 | $17,746.82 | 7.364% | $10,266.75 | $10,266.75 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $183,113.35 | 1 | [Redacted] | $6,534.00 | [Redacted] | $544.50 | 15.309% | 15.309% | 15.309% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $91,890.00 | 6.420% | $0.00 | 4.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.28 | No | No | $216,213.69 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/13/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225709271 | [Redacted] | [Redacted] | N/A | No | No | $20,940.00 | $7,129.48 | 7.543% | $2,227.43 | $2,227.43 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $191,380.33 | 1 | [Redacted] | $4,358.28 | [Redacted] | $363.19 | 11.486% | 11.486% | 11.486% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 2026 | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,940.00 | 6.420% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $752,077.98 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 240.61 | No | No | $216,213.69 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711002 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,085.00 | $21,083.07 | 7.013% | $17,500.00 | $23,258.97 | 7.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $147,793.76 | 1 | [Redacted] | $15,722.04 | [Redacted] | $1,310.17 | 27.114% | 24.274% | 27.114% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,085.00 | 6.410% | $0.00 | None | No | No | 7.000% | 2 | 3 | 2 | 0 | 4 | 0 | No | 240 | [redacted] | $1,199,585.19 | 29.040% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 76.24 | No | No | $148,041.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225711005 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $8,985.00 | $10,381.45 | 6.680% | $2,831.66 | $2,831.66 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,385.08 | 1 | [Redacted] | $503.04 | [Redacted] | $41.92 | 43.566% | 43.566% | 43.566% | [Redacted] | 733 | No | Yes | 12 | Business | 80.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,985.00 | 6.300% | $9,000.00 | 1.1 | None | No | No | 6.500% | 0 | 0 | 1 | 0 | 3 | 1 | 12 | 0.00 | No | Not Stated | [redacted] | $307,184.45 | 47.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.22 | No | $2,238.92 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716534 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $19,921.00 | $21,968.92 | 7.349% | $15,690.05 | $15,690.05 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $25,141.02 | 1 | [Redacted] | $5,634.12 | [Redacted] | $469.51 | 47.392% | 47.392% | 47.392% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - Year Not Available [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $19,921.00 | 6.420% | $12,000.00 | 1.1 | None | Yes | No | 7.250% | 2 | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Not Stated | [redacted] | $1,017,616.74 | 35.390% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.26 | No | $2,028.08 | $14,365.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225716948 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,874.90 | $7,147.25 | 7.091% | $1,332.87 | $1,332.87 | 6.750% | No | No | Self-Employed | US Citizen | $119,455.94 | 1 | [Redacted] | $1,071.00 | [Redacted] | $89.25 | 4.153% | 4.153% | 4.153% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,874.90 | 6.420% | $11,083.00 | 2.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | [redacted] | $27,400.00 | 10.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 93.47 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/28/2026 | $900,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225717024 | [Redacted] | [Redacted] | N/A | No | No | $2,700.00 | $2,700.00 | 7.500% | No | No | US Citizen | 3 | [Redacted] | $2,469.24 | [Redacted] | $205.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | 240 | [redacted] | $138,362.18 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225718206 | [Redacted] | [Redacted] | N/A | No | No | $2,908.91 | $2,908.91 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,136.04 | [Redacted] | $94.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 3.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | 240 | [redacted] | $1,588,162.62 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 204.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225725714 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,143.63 | $16,637.91 | 8.328% | $3,925.58 | $3,925.58 | 7.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,767.98 | 1 | [Redacted] | $3,129.60 | [Redacted] | $260.80 | 40.238% | 40.238% | 40.238% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,143.63 | 6.410% | $0.00 | 2.7 | None | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $150,742.23 | 23.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225727664 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,795.00 | $11,679.30 | 7.819% | $2,272.45 | $2,272.45 | 7.500% | No | No | Self-Employed | US Citizen | $15,027.78 | 1 | [Redacted] | $1,488.84 | [Redacted] | $124.07 | 19.101% | 19.101% | 19.101% | [Redacted] | 685 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $14,795.00 | 6.420% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225730875 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,049.04 | $6,484.01 | 7.069% | $1,734.29 | $1,734.29 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,213.02 | 1 | [Redacted] | $1,997.40 | [Redacted] | $166.45 | 26.743% | 26.743% | 26.743% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [redacted] | $2,049.04 | 6.600% | $100.00 | 1.4 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $219,004.04 | 66.360% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225738212 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,200.00 | $7,327.05 | 6.791% | $2,241.09 | $2,241.09 | 6.625% | No | No | Non-Employment Income | US Citizen | $15,743.15 | 1 | [Redacted] | $1,263.96 | [Redacted] | $105.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $6,200.00 | 6.600% | $900.00 | 2.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $2,423,079.70 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 408.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225739548 | [Redacted] | [Redacted] | N/A | No | No | $3,416.03 | $3,416.03 | 6.875% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $4,785.96 | [Redacted] | $398.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | 804 | 792 | 801 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225741025 | [Redacted] | [Redacted] | N/A | No | No | $3,521.14 | $3,521.14 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,779.72 | [Redacted] | $148.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.56 | [redacted] | $553,877.96 | 82.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 90.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225741188 | [Redacted] | [Redacted] | N/A | No | No | $2,702.75 | $2,702.75 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $5,678.40 | [Redacted] | $473.20 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | 240 | [redacted] | $131,238.29 | 23.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 2.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225743838 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,547.65 | $21,644.96 | 7.102% | $5,332.62 | $5,332.62 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $20,700.95 | 1 | [Redacted] | $1,680.36 | [Redacted] | $140.03 | 31.816% | 31.816% | 31.816% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,547.65 | 6.320% | $0.00 | 2.1 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $36,998.30 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 6.28 | No | No | $15,180.24 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744253 | [Redacted] | [Redacted] | N/A | No | No | $9,467.50 | $11,342.47 | 8.050% | $1,804.87 | $1,804.87 | 7.625% | No | No | Employed | US Citizen | $5,233.27 | 1 | [Redacted] | $3,303.72 | [Redacted] | $275.31 | 47.490% | 47.490% | 47.490% | [Redacted] | 707 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $9,467.50 | 6.420% | $0.00 | 1.0 | None | Yes | No | 7.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.82 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225744818 | [Redacted] | [Redacted] | N/A | No | No | $734.13 | $734.13 | 7.875% | No | No | US Citizen | 2 | [Redacted] | $720.96 | [Redacted] | $60.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | [redacted] | $50,863.61 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 150.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745241 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,640.00 | $21,775.82 | 7.035% | $4,319.66 | $4,319.66 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $9,105.86 | 1 | [Redacted] | $2,616.96 | [Redacted] | $218.08 | 35.581% | 35.581% | 35.581% | [Redacted] | 760 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Other - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 [Coborrower(s) - | Primary Income - Projected Income]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $18,640.00 | 6.520% | $76,900.00 | 1.1 | None | No | No | 6.750% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $315,628.03 | 42.650% | No | 0 | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.45 | Yes | No | $4,000.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225745407 | [Redacted] | [Redacted] | N/A | No | No | $7,404.04 | $7,404.04 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $4,856.16 | [Redacted] | $404.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.4 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $45,000.00 | 3.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 49.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225746001 | [Redacted] | [Redacted] | N/A | No | No | $839.20 | $839.20 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $676.44 | [Redacted] | $56.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.99 | 1 | [redacted] | $12,176.08 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $8,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225757849 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,939.74 | $4,332.48 | 7.595% | $2,199.03 | $2,199.03 | 7.500% | No | No | Self-Employed | US Citizen | $51,913.07 | 1 | [Redacted] | $566.04 | [Redacted] | $47.17 | 17.517% | 17.517% | 17.517% | [Redacted] | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,939.74 | 6.420% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $62,903.95 | 17.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.38 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770323 | [Redacted] | [Redacted] | Non QM | Yes | No | $27,740.00 | $38,181.45 | 7.810% | $14,504.18 | $17,466.74 | 7.841% | No | No | Self-Employed | US Citizen | $230,224.73 | 1 | [Redacted] | $6,408.00 | [Redacted] | $534.00 | 9.301% | 9.183% | 8.399% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $27,740.00 | 6.230% | $0.00 | None | N/A | No | 9.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $1,121,292.20 | 42.710% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770369 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,445.45 | 7.270% | $8,828.10 | $8,828.10 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $25,148.36 | 1 | [Redacted] | $1,653.96 | [Redacted] | $137.83 | 40.702% | 40.702% | 40.702% | [Redacted] | 673 | No | Yes | 12 | Business | 58.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.420% | $0.00 | 2.5 | None | No | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $610,649.10 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 74.89 | No | No | $0.00 | $17,868.64 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770379 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,990.00 | $5,920.15 | 6.964% | $3,074.43 | $3,074.43 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $21,724.28 | 1 | [Redacted] | $1,809.12 | [Redacted] | $150.76 | 21.175% | 21.175% | 21.175% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | No | [redacted] | $211,243.46 | 36.100% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.38 | Yes | No | $0.00 | $8,666.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770507 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,103.75 | $10,091.46 | 6.555% | $1,816.37 | $1,816.37 | 6.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,911.27 | 1 | [Redacted] | $2,508.00 | [Redacted] | $209.00 | 16.031% | 16.031% | 16.031% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,103.75 | 6.420% | $5,000.00 | 1.0 | None | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $332,570.55 | 67.180% | No | 28 | 7 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.65 | No | $0.00 | $7,042.95 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225770538 | [Redacted] | [Redacted] | N/A | No | No | $28,963.63 | $8,512.16 | 7.020% | $3,064.57 | $3,064.57 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $26,800.24 | 3 | [Redacted] | $4,412.04 | [Redacted] | $367.67 | 17.963% | 17.963% | 17.963% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $28,963.63 | 6.300% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $144,458.09 | 23.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.51 | No | No | $32,428.63 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225771037 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,445.00 | $2,550.71 | 8.527% | $2,652.75 | $2,652.75 | 8.500% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $3,524.95 | 1 | [Redacted] | $1,091.04 | [Redacted] | $90.92 | 45.792% | 45.792% | 45.792% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,445.00 | 6.420% | $12,619.08 | None | No | No | 8.500% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $114,985.77 | 24.990% | No | 27 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 9.69 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775212 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,042.25 | $20,909.04 | 7.350% | $3,556.27 | $3,556.27 | 6.990% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $11,828.61 | 1 | [Redacted] | $1,198.32 | [Redacted] | $99.86 | 38.170% | 38.170% | 38.170% | [Redacted] | 735 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2026 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $18,042.25 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $149,091.51 | 23.680% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.84 | No | $0.00 | $11,018.35 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225775219 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,828.42 | 7.028% | $3,382.97 | $3,382.97 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,746.55 | 1 | [Redacted] | $1,896.96 | [Redacted] | $158.08 | 37.445% | 37.445% | 37.445% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.420% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $721,780.13 | 95.090% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 103.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225780176 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,131.25 | $9,950.06 | 7.391% | $3,409.46 | $3,660.84 | 7.590% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,365.62 | 1 | [Redacted] | $4,510.08 | [Redacted] | $375.84 | 49.865% | 47.516% | 49.865% | [Redacted] | 790 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,131.25 | 6.060% | $0.00 | 1.6 | None | No | No | 7.590% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $420,328.00 | 60.740% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781531 | [Redacted] | [Redacted] | N/A | No | No | $5,558.18 | $5,558.18 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,812.84 | [Redacted] | $151.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $294,493.56 | 28.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.51 | No | $0.00 | $0.00 | No | No | No | No | 360 | AE | $500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781830 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,390.00 | $5,805.85 | 7.513% | $1,489.58 | $1,833.95 | 7.590% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,619.80 | 1 | [Redacted] | $876.00 | [Redacted] | $73.00 | 31.690% | 32.321% | 33.642% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,390.00 | 6.210% | $0.00 | 1.0 | None | No | No | 7.590% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $508,042.38 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 168.98 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781938 | [Redacted] | [Redacted] | N/A | No | No | $1,982.58 | $1,982.58 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,042.84 | [Redacted] | $253.57 | 0.000% | 0.000% | 0.000% | [Redacted] | 697 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $125,948.70 | 32.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225782067 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,369.18 | $30,329.24 | 7.807% | $10,616.43 | $10,616.43 | 7.625% | No | No | Non-Employment Income | US Citizen | $24,184.69 | 1 | [Redacted] | $9,084.96 | [Redacted] | $757.08 | 47.921% | 52.060% | 47.921% | [Redacted] | 653 | Yes | No | [Borrower - | Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Primary Income - Annuity]; Award Letter / Continuance Letter - 2011 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $21,369.18 | 6.210% | $0.00 | 2.3 | None | Yes | No | 7.625% | 0 | 2 | 0 | 0 | 2 | 0.00 | No | Other | [redacted] | $2,619,149.76 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 109.94 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225806609 | [Redacted] | [Redacted] | N/A | No | No | $5,565.00 | $9,187.20 | 6.947% | $6,035.53 | $6,035.53 | 6.875% | No | No | Not Employed | Not Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $9,042.03 | 1 | [Redacted] | $2,789.40 | [Redacted] | $232.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | 812 | 800 | 820 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $5,565.00 | 6.520% | $500.00 | 4.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,896,184.59 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 192.17 | No | No | $27,545.70 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225813127 | [Redacted] | [Redacted] | N/A | No | No | $5,730.28 | $5,730.28 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $2,061.96 | [Redacted] | $171.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [redacted] | $187,002.69 | 17.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225814626 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,344.00 | $18,601.23 | 7.380% | $7,367.51 | $7,367.51 | 7.250% | No | No | Self-Employed | US Citizen | $22,230.55 | 1 | [Redacted] | $2,228.04 | [Redacted] | $185.67 | 33.361% | 33.361% | 33.361% | [Redacted] | 769 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $9,344.00 | 6.600% | $228,251.75 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $61,151.63 | 4.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.16 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225816017 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,800.02 | $1,347.78 | 9.349% | $8,219.35 | $8,219.35 | 9.375% | No | No | Self-Employed | US Citizen | $27,523.09 | 1 | [Redacted] | $6,021.00 | [Redacted] | $501.75 | 29.817% | 29.817% | 29.817% | [Redacted] | 714 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,800.02 | 6.510% | $50,000.00 | 2.7 | None | No | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $121,470.10 | 11.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225830313 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $4,625.87 | 8.447% | $3,180.90 | $3,180.90 | 8.375% | No | No | Self-Employed | US Citizen | $9,375.26 | 1 | [Redacted] | $1,421.04 | [Redacted] | $118.42 | 41.749% | 41.749% | 41.749% | [Redacted] | 769 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.510% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $101,759.92 | 21.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.71 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225831155 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,395.00 | $2,787.43 | 7.030% | $1,011.67 | $1,011.67 | 6.875% | No | No | Employed | US Citizen | $3,283.85 | 1 | [Redacted] | $1,949.64 | [Redacted] | $162.47 | 50.742% | 50.742% | 50.742% | [Redacted] | 789 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,395.00 | 6.520% | $5,000.00 | 3.1 | None | N/A | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,828,870.53 | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 422.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 03/07/2027 | $120,750,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832691 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,670.00 | $9,730.16 | 8.813% | $3,951.17 | $3,951.17 | 8.625% | No | No | Self-Employed | US Citizen | $27,762.91 | 1 | [Redacted] | $1,800.12 | [Redacted] | $150.01 | 21.571% | 21.571% | 21.571% | [Redacted] | 671 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,670.00 | 6.510% | $123,250.00 | 1.0 | None | No | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $28,363.56 | 4.460% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225832865 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,426.25 | $15,351.40 | 7.100% | $8,707.15 | $8,707.15 | 7.000% | No | No | Self-Employed | US Citizen | $12,911.05 | 1 | [Redacted] | $3,555.60 | [Redacted] | $296.30 | 48.626% | 48.626% | 48.626% | [Redacted] | 801 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $21,426.25 | 6.420% | $5,000.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [redacted] | $68,724.77 | 3.930% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225833143 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,995.00 | $4,762.20 | 7.310% | $702.91 | $702.91 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,157.54 | 1 | [Redacted] | $1,788.96 | [Redacted] | $149.08 | 27.723% | 27.723% | 27.723% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,995.00 | 6.520% | $2,907.31 | 1.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $929,952.10 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 155.96 | Yes | No | $2,326.50 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225841175 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,083.80 | $7,576.95 | 7.124% | $1,902.47 | $1,902.47 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,057.92 | 1 | [Redacted] | $2,162.04 | [Redacted] | $180.17 | 36.760% | 36.760% | 36.760% | [Redacted] | 816 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,083.80 | 6.600% | $1,500.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $265,698.96 | 73.390% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225846888 | [Redacted] | [Redacted] | N/A | No | No | $1,895.32 | $1,895.32 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,512.60 | [Redacted] | $126.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $5,000.00 | 1.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849641 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,407.50 | $7,871.20 | 7.009% | $3,580.26 | $3,580.26 | 6.875% | No | No | Self-Employed | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $5,901.25 | 1 | [Redacted] | $4,389.48 | [Redacted] | $365.79 | 46.927% | 46.927% | 46.927% | [Redacted] | 691 | 796 | 813 | 790 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 53.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2023 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 1996 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 1996 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2023 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,407.50 | 6.600% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 24.27 | No | $5,234.20 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225849812 | [Redacted] | [Redacted] | N/A | No | No | $12,890.00 | $14,925.60 | 7.296% | $6,300.00 | $7,900.09 | 7.590% | No | No | Not Employed | Employed | Self-Employed | 9.1 | US Citizen | US Citizen | $15,145.69 | 1 | [Redacted] | $8,631.00 | [Redacted] | $719.25 | 44.694% | 38.852% | 49.018% | [Redacted] | 781 | 784 | 788 | 778 | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,890.00 | 6.110% | $0.00 | 1.0 | None | Yes | No | 7.590% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | [redacted] | $1,231,652.97 | 87.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 196.89 | No | No | $19,052.09 | $8,333.33 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852329 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,150.00 | $5,620.06 | 7.190% | $3,278.39 | $3,611.47 | 7.590% | No | No | Employed | Employed | US Citizen | US Citizen | $8,089.22 | 1 | [Redacted] | $1,275.00 | [Redacted] | $106.25 | 40.007% | 37.537% | 40.007% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,150.00 | 6.130% | $0.00 | 3.2 | None | No | No | 7.590% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $273,734.41 | 42.770% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.55 | Yes | No | $0.00 | $5,546.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225852333 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,668.10 | $21,676.34 | 7.069% | $3,111.91 | $3,111.91 | 6.625% | No | No | Non-Employment Income | US Citizen | $3,990.98 | 1 | [Redacted] | $3,257.04 | [Redacted] | $271.42 | 52.822% | 52.822% | 52.822% | [Redacted] | 817 | Yes | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $15,668.10 | 6.260% | $0.00 | 2.6 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $289,584.61 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 166.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853493 | [Redacted] | [Redacted] | N/A | No | No | $2,151.44 | $2,151.44 | 6.875% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $902.04 | [Redacted] | $75.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $398,815.51 | 91.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225853865 | [Redacted] | [Redacted] | N/A | No | No | $1,331.25 | $1,331.25 | 7.990% | No | No | 0 | US Citizen | 1 | [Redacted] | $1,740.96 | [Redacted] | $145.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Trust | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854403 | [Redacted] | [Redacted] | N/A | No | No | $29,215.00 | $11,717.27 | 6.617% | $1,871.78 | $1,871.78 | 6.250% | No | No | Not Employed | Self-Employed | US Citizen | $67,575.18 | 1 | [Redacted] | $890.64 | [Redacted] | $74.22 | 27.025% | 27.025% | 27.025% | [Redacted] | 775 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Other - 2019 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 7]; Other - 2017 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Account Statements - Personal - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Third Party Verification - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Other - 2019 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 5]; Other - 2017 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $29,215.00 | 6.570% | $16,500.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 5 | 0.00 | No | [redacted] | $154,076.26 | 40.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 288.46 | No | No | $92,600.02 | $0.00 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225854408 | [Redacted] | [Redacted] | N/A | No | No | $1,484.50 | $1,484.50 | 6.375% | No | No | Foreign National | Foreign National | 1 | [Redacted] | $832.20 | [Redacted] | $69.35 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | [redacted] | $151,912.17 | 44.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | 14.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225862028 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $2,423.56 | 7.072% | $1,672.21 | $1,672.21 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $175,479.76 | 1 | [Redacted] | $1,505.76 | [Redacted] | $125.48 | 1.535% | 1.535% | 1.535% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 1 | 2 | 2 | 0 | 2 | 0 | No | Not Stated | [redacted] | $101,975.50 | 32.420% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.87 | No | No | $0.00 | $8,301.94 | No | No | No | No | 1 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865281 | [Redacted] | [Redacted] | N/A | No | No | $1,406.25 | $1,406.25 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,270.80 | [Redacted] | $105.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 276.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225865396 | [Redacted] | [Redacted] | N/A | No | No | $1,036.91 | $1,036.91 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,706.04 | [Redacted] | $142.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 649 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $55,749.86 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 55.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225871900 | [Redacted] | [Redacted] | N/A | No | No | $33,980.00 | $8,887.82 | 7.626% | $3,540.85 | $3,894.91 | 7.840% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | $203,439.20 | 1 | [Redacted] | $875.04 | [Redacted] | $72.92 | 24.513% | 24.630% | 24.513% | [Redacted] | 801 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $33,980.00 | 6.230% | $0.00 | 1.0 | None | N/A | No | 7.840% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $475,635.13 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.6 | No | No | $269,502.54 | $0.00 | No | No | No | No | 13 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225872743 | [Redacted] | [Redacted] | N/A | No | No | $2,779.69 | $2,990.85 | 7.623% | $1,776.60 | $1,776.60 | 7.375% | No | No | Employed | US Citizen | $7,141.35 | 3 | [Redacted] | $2,618.04 | [Redacted] | $218.17 | 40.880% | 40.880% | 40.880% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,779.69 | 5.980% | $0.00 | DU | ApproveEligible | No | No | 7.375% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $89,516.37 | 34.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.53 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225873921 | [Redacted] | [Redacted] | N/A | No | No | $1,218.61 | $1,218.61 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,739.04 | [Redacted] | $144.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 105.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225874358 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,130.00 | $5,580.64 | 7.133% | $1,681.33 | $1,681.33 | 6.750% | No | No | Non-Employment Income | US Citizen | $3,779.08 | 1 | [Redacted] | $1,833.00 | [Redacted] | $152.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,130.00 | 5.970% | $0.00 | 2.1 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,929,232.10 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 471.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225876286 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,918.80 | $11,352.92 | 7.308% | $2,031.11 | $2,031.11 | 6.990% | No | No | Self-Employed | US Citizen | $4,679.17 | 1 | [Redacted] | $4,709.64 | [Redacted] | $392.47 | 49.152% | 49.152% | 49.152% | [Redacted] | 699 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $8,918.80 | 6.510% | $0.00 | 1.6 | None | Yes | No | 6.990% | 0 | 2 | 0 | 2 | 2 | 5.73 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225878835 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,781.00 | $7,454.43 | 7.926% | $2,996.04 | $3,036.06 | 7.888% | No | No | Self-Employed | US Citizen | $25,806.06 | 1 | [Redacted] | $1,980.36 | [Redacted] | $165.03 | 23.753% | 23.635% | 23.753% | [Redacted] | 741 | No | Yes | 24 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - Year Not Available [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,781.00 | 6.110% | $0.00 | 1.0 | None | Yes | No | 7.888% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $15,000.00 | 3.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879195 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,319.40 | $4,428.89 | 7.618% | $1,287.42 | $1,287.42 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,197.94 | 1 | [Redacted] | $848.04 | [Redacted] | $70.67 | 29.389% | 29.389% | 29.389% | [Redacted] | 816 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,319.40 | 6.510% | $0.00 | 1.4 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $86,025.71 | 36.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.78 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879216 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,950.00 | $32.01 | 8.126% | $861.30 | $861.30 | 8.125% | No | No | Not Employed | Employed | US Citizen | US Citizen | $8,417.34 | 1 | [Redacted] | $759.96 | [Redacted] | $63.33 | 42.281% | 42.281% | 42.281% | [Redacted] | 757 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,950.00 | 6.510% | $6,800.00 | 1.0 | None | N/A | No | 8.125% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $38,415.55 | 26.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.61 | No | No | $0.00 | $14,583.34 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879228 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,601.50 | $14,070.99 | 8.066% | $7,480.95 | $7,480.95 | 7.990% | No | No | Self-Employed | US Citizen | $507,759.33 | 1 | [Redacted] | $2,343.00 | [Redacted] | $195.25 | 4.900% | 4.900% | 4.900% | [Redacted] | 673 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,601.50 | 6.490% | $0.00 | 2.3 | None | N/A | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $47,583.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.96 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879229 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,084.20 | $4,952.40 | 8.069% | $2,573.07 | $2,573.07 | 7.990% | No | No | Employed | US Citizen | $17,960.97 | 1 | [Redacted] | $747.00 | [Redacted] | $62.25 | 23.931% | 23.931% | 23.931% | [Redacted] | 748 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - K-1 (< 25%)]; Employer Letter - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Partnership Agreement - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Partnership Agreement - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; WVOE - 2016 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,084.20 | 6.490% | $15,600.00 | 3.0 | None | Yes | No | 7.990% | 0 | 2 | 0 | 2 | 2 | 5.03 | No | [redacted] | $92,940.39 | 23.830% | No | 6 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879296 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,880.26 | $14,735.96 | 10.124% | $4,415.55 | $4,415.55 | 9.875% | No | No | Self-Employed | US Citizen | $34,546.59 | 1 | [Redacted] | $1,782.48 | [Redacted] | $148.54 | 19.028% | 19.028% | 19.028% | [Redacted] | 684 | No | Yes | 24 | Business | 100.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,880.26 | 6.570% | $25,000.00 | 1.8 | None | No | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 1.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879302 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,770.00 | $12,640.75 | 7.091% | $3,810.19 | $3,810.19 | 6.875% | No | No | Self-Employed | US Citizen | $48,900.67 | 1 | [Redacted] | $720.00 | [Redacted] | $60.00 | 40.581% | 40.581% | 40.581% | [Redacted] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 85.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,770.00 | 6.490% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $130,387.13 | 17.980% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.08 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879306 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,494.69 | $11,523.98 | 7.591% | $3,726.54 | $3,726.54 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $13,593.40 | 1 | [Redacted] | $540.00 | [Redacted] | $45.00 | 27.043% | 27.043% | 27.043% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,494.69 | 6.490% | $0.00 | 2.9 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $8,442.92 | 1.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 19.75 | No | $9,316.04 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225882895 | [Redacted] | [Redacted] | N/A | No | No | $965.69 | $965.69 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $3,180.96 | [Redacted] | $265.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.99 | 0.5 | [redacted] | $1,211,420.89 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 815.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225883479 | [Redacted] | [Redacted] | N/A | No | No | $36,077.00 | $9,856.38 | 7.524% | $4,213.29 | $4,375.11 | 7.633% | No | No | Not Employed | Employed | Self-Employed | 5.04 | US Citizen | US Citizen | $26,243.73 | 1 | [Redacted] | $999.60 | [Redacted] | $83.30 | 41.551% | 41.190% | 41.551% | [Redacted] | 797 | 779 | 798 | 797 | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $36,077.00 | 6.130% | $0.00 | 3.4 | None | Yes | No | 7.633% | 0 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $414,231.27 | 50.300% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.48 | No | No | $32,518.58 | $12,381.50 | No | No | No | No | 2 | 360 | AE | 05/22/2027 | $15,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884280 | [Redacted] | [Redacted] | N/A | No | No | $1,536.08 | $1,536.08 | 7.125% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,617.24 | [Redacted] | $134.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $97,457.46 | 34.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.43 | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884455 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,190.00 | $13,715.33 | 7.871% | $3,963.64 | $3,963.64 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,428.66 | 1 | [Redacted] | $1,761.96 | [Redacted] | $146.83 | 45.470% | 45.470% | 45.470% | [Redacted] | 694 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 36.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,190.00 | 6.570% | $775.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $214,188.34 | 30.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.36 | No | No | $8,645.34 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884456 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,600.00 | $9,980.88 | 8.397% | $5,341.51 | $5,341.51 | 8.250% | No | No | Self-Employed | US Citizen | $23,045.18 | 1 | [Redacted] | $1,868.04 | [Redacted] | $155.67 | 25.235% | 25.235% | 25.235% | [Redacted] | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,600.00 | 6.600% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $115,673.51 | 14.640% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.22 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884484 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $6,611.30 | 7.554% | $4,338.63 | $4,338.63 | 7.500% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $9,257.00 | 1 | [Redacted] | $1,568.88 | [Redacted] | $130.74 | 47.432% | 47.432% | 47.432% | [Redacted] | 787 | Yes | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.520% | $0.00 | 2.5 | None | Yes | No | 7.500% | 1 | 1 | 0 | 0 | 1 | 0 | No | Other | [redacted] | $283,832.52 | 38.880% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.01 | Yes | No | $1,275.40 | $10,288.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884489 | [Redacted] | [Redacted] | N/A | No | No | $13,495.00 | $22,216.76 | 7.290% | $6,737.19 | $6,737.19 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $19,001.80 | 1 | [Redacted] | $2,087.76 | [Redacted] | $173.98 | 48.709% | 48.709% | 48.709% | [Redacted] | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - Year Not Available |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,495.00 | 6.490% | $5,000.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $280,047.20 | 22.400% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.99 | No | No | $37,046.67 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884490 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,265.00 | $21,726.34 | 7.744% | $8,635.08 | $8,635.08 | 7.625% | No | No | Self-Employed | US Citizen | $87,648.04 | 1 | [Redacted] | $13,670.04 | [Redacted] | $1,139.17 | 16.428% | 16.428% | 16.428% | [Redacted] | 713 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,265.00 | 6.490% | $4,000.00 | 1.7 | None | No | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $82,132.17 | 5.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 109.46 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225884800 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,103.75 | $6,385.65 | 8.071% | $1,848.93 | $1,848.93 | 7.875% | No | No | Self-Employed | US Citizen | $8,205.42 | 1 | [Redacted] | $1,601.40 | [Redacted] | $133.45 | 35.601% | 35.601% | 35.601% | [Redacted] | 762 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,103.75 | 6.510% | $5,000.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,275.74 | 2.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886088 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,522.22 | 7.399% | $6,105.57 | $6,105.57 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,385.07 | 1 | [Redacted] | $3,027.00 | [Redacted] | $252.25 | 44.401% | 44.401% | 44.401% | [Redacted] | 707 | No | Yes | 12 | Business | 80.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 1 | 0 | 0 | [redacted] | $1,590.00 | 6.570% | $40,000.00 | 5.0 | None | No | No | 7.375% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $284,093.03 | 25.700% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.16 | Yes | No | $0.00 | $6,685.67 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225886804 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,352.62 | 7.269% | $5,500.00 | $7,812.42 | 7.634% | No | No | Employed | US Citizen | $32,420.89 | 1 | [Redacted] | $1,941.96 | [Redacted] | $161.83 | 22.190% | 16.640% | 22.190% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.110% | $0.00 | 1.3 | None | No | No | 7.634% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $745,934.00 | No | 14 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225892630 | [Redacted] | [Redacted] | N/A | No | No | $4,326.39 | $4,326.39 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $7,467.60 | [Redacted] | $622.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 54.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895183 | [Redacted] | [Redacted] | N/A | No | No | $10,911.25 | $2,854.55 | 6.717% | $1,299.83 | $1,299.83 | 6.625% | No | No | Not Employed | Employed | Not Employed | Not Employed | 0 | 0 | Permanent Resident Alien | $32,158.50 | 1 | [Redacted] | $3,311.04 | [Redacted] | $275.92 | 16.725% | 16.725% | 16.725% | [Redacted] | 742 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,911.25 | 6.520% | $0.00 | None | N/A | No | 6.625% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $180,067.27 | 62.090% | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 47.59 | No | No | $0.00 | $38,617.20 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895189 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,589.76 | $10,254.06 | 7.461% | $4,599.25 | $4,903.21 | 7.636% | No | No | Self-Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $9,386.33 | 1 | [Redacted] | $3,582.00 | [Redacted] | $298.50 | 42.686% | 46.095% | 42.686% | [Redacted] | 783 | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,589.76 | 6.230% | $5,000.00 | 4.4 | None | No | No | 7.636% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $279,219.63 | 32.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.12 | Yes | No | $4,158.97 | $5,000.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895204 | [Redacted] | [Redacted] | N/A | No | No | $1,354.50 | $1,354.50 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $1,044.24 | [Redacted] | $87.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 304.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225895555 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,562.74 | $3,422.74 | 7.465% | $2,673.56 | $2,673.56 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $15,564.08 | 1 | [Redacted] | $1,110.00 | [Redacted] | $92.50 | 26.995% | 26.995% | 26.995% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,562.74 | 6.410% | $10,690.40 | 3.0 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $139,026.99 | 28.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.71 | No | $0.00 | $8,166.66 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900681 | [Redacted] | [Redacted] | Non QM | Yes | No | $57,987.06 | $57,411.12 | 7.605% | $12,470.38 | $14,073.36 | 7.840% | No | No | Non-Employment Income | US Citizen | $7,336.28 | 1 | [Redacted] | $10,014.00 | [Redacted] | $834.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $57,987.06 | 6.230% | $34,000.00 | 4.3 | None | N/A | No | 7.840% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $8,457,594.80 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 577.28 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900913 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,469.76 | $5,245.55 | 8.475% | $2,691.80 | $2,691.80 | 8.375% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $5,862.44 | 1 | [Redacted] | $1,068.84 | [Redacted] | $89.07 | 39.581% | 39.581% | 39.581% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 75.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 46.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 46.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 46.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,469.76 | 6.510% | $9,000.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,875.09 | 2.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 13.38 | Yes | No | $2,425.73 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900918 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,095.00 | $30,970.54 | 7.646% | $13,643.53 | $14,513.59 | 7.884% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $80,584.79 | 1 | [Redacted] | $1,914.84 | [Redacted] | $159.57 | 20.227% | 19.366% | 20.227% | [Redacted] | 740 | No | Yes | 48 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,095.00 | 6.110% | $0.00 | 2.9 | None | No | No | 7.884% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $173,094.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.49 | No | $49,498.56 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225900929 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,004.00 | $9,920.69 | 7.433% | $2,824.21 | $2,824.21 | 7.250% | No | No | Self-Employed | US Citizen | $6,280.51 | 1 | [Redacted] | $1,062.96 | [Redacted] | $88.58 | 40.455% | 40.455% | 40.455% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $6,004.00 | 6.520% | $10,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $83,015.26 | 18.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901011 | [Redacted] | [Redacted] | N/A | No | No | $1,211.25 | $1,211.25 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $764.52 | [Redacted] | $63.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.8 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | [redacted] | $565,724.13 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 669.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901013 | [Redacted] | [Redacted] | N/A | No | No | $1,433.25 | $1,433.25 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $1,133.40 | [Redacted] | $94.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.8 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 280.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901021 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,065.00 | $4,649.40 | 7.061% | $2,631.94 | $2,631.94 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,048.79 | 1 | [Redacted] | $2,890.56 | [Redacted] | $240.88 | 42.943% | 42.943% | 42.943% | [Redacted] | 807 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $4,065.00 | 6.490% | $10,000.00 | 1.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $158,132.25 | 31.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901967 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,536.20 | 7.070% | $2,818.04 | $2,818.04 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,887.27 | 1 | [Redacted] | $588.96 | [Redacted] | $49.08 | 33.614% | 33.614% | 33.614% | [Redacted] | 762 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.570% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $368,083.89 | 69.440% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225902915 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,553.75 | $11,289.18 | 7.139% | $2,766.88 | $3,157.00 | 6.990% | No | No | Employed | US Citizen | $16,649.49 | 1 | [Redacted] | $1,047.00 | [Redacted] | $87.25 | 48.666% | 47.463% | 48.666% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [redacted] | $4,553.75 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | [redacted] | $792,147.51 | 85.170% | No | 26 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225903090 | [Redacted] | [Redacted] | N/A | No | No | $1,162.16 | $1,162.16 | 7.125% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $2,613.00 | [Redacted] | $217.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | [redacted] | $74,610.54 | 32.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225904098 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,435.00 | $9,327.55 | 6.964% | $2,334.96 | $2,334.96 | 6.750% | No | No | Self-Employed | US Citizen | $48,917.35 | 1 | [Redacted] | $917.04 | [Redacted] | $76.42 | 15.244% | 15.244% | 15.244% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,435.00 | 6.510% | $385.00 | 2.4 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $208,235.83 | 45.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 32.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225905225 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,778.00 | $8,718.18 | 7.514% | $3,259.99 | $3,259.99 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,099.61 | 1 | [Redacted] | $3,092.40 | [Redacted] | $257.70 | 46.606% | 46.606% | 46.606% | [Redacted] | 756 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,778.00 | 6.520% | $1,000.00 | 1.0 | None | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 2 | 5.77 | No | [redacted] | $261,050.25 | 44.240% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.38 | No | No | ($1,666.33) | $16,604.68 | No | No | No | No | 3 | 360 | AE | 06/26/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225906558 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,894.00 | $4,246.81 | 6.929% | $2,837.93 | $2,837.93 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $9,443.14 | 1 | [Redacted] | $1,053.72 | [Redacted] | $87.81 | 35.575% | 35.575% | 35.575% | [Redacted] | 702 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,894.00 | 6.490% | $0.00 | 1.5 | None | Yes | No | 6.875% | 0 | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $595,942.68 | 100.000% | No | 7 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 129.41 | No | No | $0.00 | $7,124.42 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908766 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,102.84 | $9,704.67 | 8.222% | $2,639.04 | $2,639.04 | 7.990% | No | No | Self-Employed | US Citizen | $17,499.24 | 1 | [Redacted] | $1,308.96 | [Redacted] | $109.08 | 14.770% | 14.770% | 14.770% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,102.84 | 6.410% | $10,672.84 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $11,484.12 | 2.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 129.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908786 | [Redacted] | [Redacted] | N/A | No | No | $2,003.91 | $2,003.91 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $13,443.24 | [Redacted] | $1,120.27 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [redacted] | $132,454.48 | 29.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 106.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | VE | $10,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225908999 | [Redacted] | [Redacted] | N/A | No | No | $855.35 | $855.35 | 8.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,359.00 | [Redacted] | $113.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 658 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.85 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225912272 | [Redacted] | [Redacted] | N/A | No | No | $1,836.23 | $1,836.23 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $1,253.04 | [Redacted] | $104.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $168,013.09 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225915116 | [Redacted] | [Redacted] | N/A | No | No | $1,653.16 | $1,653.16 | 7.875% | No | No | Permanent Resident Alien | 3 | [Redacted] | $2,088.00 | [Redacted] | $174.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $61,428.47 | 21.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225916449 | [Redacted] | [Redacted] | N/A | No | No | $5,255.00 | $5,255.00 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,592.96 | [Redacted] | $216.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | 775 | 789 | 786 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.26 | 0.44 | [redacted] | $523,659.26 | 53.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919115 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,732.50 | $5,800.88 | 7.253% | $1,262.80 | $1,262.80 | 6.990% | No | No | Self-Employed | US Citizen | $8,850.94 | 1 | [Redacted] | $1,920.12 | [Redacted] | $160.01 | 34.754% | 34.754% | 34.754% | [Redacted] | 780 | No | Yes | 48 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,732.50 | 6.570% | $4,780.00 | 2.1 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $213,505.85 | 73.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 122.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225919320 | [Redacted] | [Redacted] | N/A | No | No | $17,095.00 | $21,979.96 | 7.075% | $5,912.36 | $5,912.36 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | $44,295.83 | 1 | [Redacted] | $3,186.60 | [Redacted] | $265.55 | 42.381% | 42.381% | 42.381% | [Redacted] | 791 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,095.00 | 6.490% | $0.00 | 2.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,075,557.15 | 93.520% | No | Yes | Commitment | Fee Simple | Individual | Member | LLC | Business Entity | No | Member | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 99.78 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225920205 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $7,713.22 | 7.616% | $3,398.18 | $3,398.18 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,406.51 | 1 | [Redacted] | $1,232.04 | [Redacted] | $102.67 | 37.856% | 37.856% | 37.856% | [Redacted] | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.520% | $0.00 | 1.3 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $61,139.86 | 11.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.57 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225921155 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,742.00 | $16,150.76 | 6.671% | $2,994.58 | $2,994.58 | 6.375% | No | No | Self-Employed | Self-Employed | Employed | 5.53 | US Citizen | US Citizen | US Citizen | $14,080.72 | 1 | [Redacted] | $831.00 | [Redacted] | $69.25 | 49.733% | 49.733% | 49.733% | [Redacted] | 804 | 767 | 797 | 778 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,742.00 | 5.980% | $7,000.00 | 1.0 | DU | ApproveEligible | N/A | No | 6.375% | 1 | 1 | 1 | 0 | 3 | 0 | 12.00 | No | [redacted] | $83,548.97 | 13.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.83 | No | No | $11,020.01 | $4,333.20 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924728 | [Redacted] | [Redacted] | N/A | No | No | $886.36 | $886.36 | 6.875% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $1,341.24 | [Redacted] | $111.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 999.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [redacted] | $190,050.84 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225924739 | [Redacted] | [Redacted] | N/A | No | No | $3,785.58 | $3,785.58 | 7.000% | No | No | US Citizen | 4 | [Redacted] | $4,172.76 | [Redacted] | $347.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925028 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,910.00 | $15,990.60 | 7.577% | $4,696.59 | $4,696.59 | 7.375% | No | No | Self-Employed | US Citizen | $38,834.14 | 1 | [Redacted] | $995.88 | [Redacted] | $82.99 | 20.656% | 20.656% | 20.656% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,910.00 | 6.510% | $0.00 | 2.6 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $46,452.16 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925078 | [Redacted] | [Redacted] | N/A | No | No | $1,334.00 | $1,334.00 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $736.80 | [Redacted] | $61.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $565,781.48 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 589.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925079 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,487.50 | $24,400.34 | 7.230% | $4,138.65 | $4,138.65 | 6.875% | No | No | Self-Employed | US Citizen | $6,127.19 | 1 | [Redacted] | $3,679.56 | [Redacted] | $306.63 | 49.691% | 49.691% | 49.691% | [Redacted] | 690 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $13,487.50 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $133,534.48 | 14.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/14/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925080 | [Redacted] | [Redacted] | N/A | No | No | $6,537.34 | $10,798.66 | 7.380% | $1,679.56 | $1,679.56 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $8,881.18 | 1 | [Redacted] | $915.00 | [Redacted] | $76.25 | 34.005% | 34.005% | 34.005% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,537.34 | 6.570% | $3,372.95 | 2.8 | None | No | No | 6.990% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $197,578.34 | 66.450% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.37 | No | No | $0.00 | $2,275.93 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925124 | [Redacted] | [Redacted] | N/A | No | No | $18,600.00 | $5,365.56 | 6.886% | $1,945.79 | $1,945.79 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,850.47 | 1 | [Redacted] | $1,923.48 | [Redacted] | $160.29 | 49.828% | 49.828% | 49.828% | [Redacted] | 753 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Year End Summary - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $18,600.00 | 6.570% | $0.00 | 2.2 | None | No | No | 6.750% | 1 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.52 | No | No | $10,492.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/25/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925254 | [Redacted] | [Redacted] | N/A | No | No | $1,550.07 | $1,550.07 | 6.750% | No | No | Foreign National | 1 | [Redacted] | $1,029.12 | [Redacted] | $85.76 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $381,519.37 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 152.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925976 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,615.74 | 7.547% | $3,398.18 | $3,398.18 | 7.500% | No | No | Not Employed | Employed | US Citizen | $86,224.58 | 1 | [Redacted] | $2,274.96 | [Redacted] | $189.58 | 20.408% | 20.408% | 20.408% | [Redacted] | 678 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.410% | $0.00 | 2.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,495,564.46 | 100.000% | No | 2 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 530.62 | No | No | $0.00 | $108,333.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225925977 | [Redacted] | [Redacted] | N/A | No | No | $20,947.50 | $9,446.96 | 6.168% | $1,579.41 | $1,579.41 | 5.875% | No | No | Employed | US Citizen | $8,409.29 | 1 | [Redacted] | $996.00 | [Redacted] | $83.00 | 28.657% | 28.657% | 28.657% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $20,947.50 | 6.420% | $0.00 | 3.5 | None | Yes | No | 5.875% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $39,371.56 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.19 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225926525 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,922.64 | $41,170.32 | 6.736% | $4,699.15 | $4,699.15 | 6.250% | No | No | Self-Employed | US Citizen | $6,084.38 | 1 | [Redacted] | $900.00 | [Redacted] | $75.00 | 45.000% | 45.000% | 45.000% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.50000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,922.64 | 6.490% | $0.00 | 1.8 | None | Yes | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $279,059.72 | 29.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225928683 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,142.38 | $1,147.39 | 8.623% | $2,065.03 | $2,065.03 | 8.625% | No | No | Self-Employed | US Citizen | $5,259.61 | 1 | [Redacted] | $1,553.16 | [Redacted] | $129.43 | 41.704% | 41.704% | 41.704% | [Redacted] | 756 | No | Yes | 12 | Business | 64.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,142.38 | 6.570% | $12,769.92 | 1.0 | None | Yes | No | 8.625% | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $27,172.75 | 9.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225929309 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,800.00 | $7,183.48 | 7.369% | $3,028.86 | $3,028.86 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $24,750.41 | 1 | [Redacted] | $3,003.00 | [Redacted] | $250.25 | 45.487% | 45.487% | 45.487% | [Redacted] | 752 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2023 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $2,800.00 | 6.490% | $7,500.00 | 1.5 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $206,225.75 | 37.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.55 | Yes | No | $31,579.41 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225929364 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,810.00 | $24,843.14 | 8.118% | $11,230.60 | $11,230.60 | 7.990% | No | No | Employed | Non-Permanent Resident Alien | $47,272.04 | 1 | [Redacted] | $6,786.00 | [Redacted] | $565.50 | 43.274% | 43.274% | 43.274% | [Redacted] | 708 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $16,810.00 | 6.570% | $0.00 | 1.3 | None | No | No | 7.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,752,325.85 | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 80.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930081 | [Redacted] | [Redacted] | N/A | No | No | $1,600.20 | $1,600.20 | 8.250% | No | No | US Citizen | 2 | [Redacted] | $3,788.28 | [Redacted] | $315.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $10,000.00 | 3.520% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930082 | [Redacted] | [Redacted] | N/A | No | No | $4,890.00 | $8,503.27 | 6.754% | $1,833.00 | $1,833.00 | 6.500% | No | No | Employed | Not Employed | US Citizen | $14,101.60 | 1 | [Redacted] | $1,705.20 | [Redacted] | $142.10 | 20.850% | 20.850% | 20.850% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,890.00 | 6.510% | $5,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.500% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $794,635.34 | 100.000% | No | 29 | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.16 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930097 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,451.00 | $8,168.40 | 7.090% | $2,165.24 | $2,165.24 | 6.875% | No | No | Self-Employed | US Citizen | $65,182.62 | 1 | [Redacted] | $2,150.04 | [Redacted] | $179.17 | 29.608% | 29.608% | 29.608% | [Redacted] | 775 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,451.00 | 6.570% | $0.00 | 3.3 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $135,076.26 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 425.29 | No | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930098 | [Redacted] | [Redacted] | N/A | No | No | $2,670.16 | $2,670.16 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,876.68 | [Redacted] | $156.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | 785 | 783 | 802 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $1,837,687.23 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 262.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225930115 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,474.44 | $11,458.52 | 7.273% | $2,404.30 | $2,404.30 | 6.990% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $3,046.21 | 1 | [Redacted] | $1,026.24 | [Redacted] | $85.52 | 49.709% | 49.709% | 49.709% | [Redacted] | 770 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 43.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,474.44 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $67,107.26 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | No | 20.55 | No | $3,045.23 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937095 | [Redacted] | [Redacted] | N/A | No | No | $1,326.38 | $1,326.38 | 8.500% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $2,478.96 | [Redacted] | $206.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225937434 | [Redacted] | [Redacted] | N/A | No | No | $878.53 | $878.53 | 7.125% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $1,320.96 | [Redacted] | $110.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $63,735.39 | 39.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225944483 | [Redacted] | [Redacted] | N/A | No | No | $1,948.05 | $4,897.11 | 7.047% | $3,542.48 | $3,542.48 | 6.990% | No | No | Not Employed | Employed | US Citizen | $3,637.47 | 3 | [Redacted] | $5,765.16 | [Redacted] | $480.43 | 41.801% | 41.801% | 41.801% | [Redacted] | 795 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,948.05 | 6.490% | $5,925.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $488,208.74 | 59.530% | No | 2 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.05 | No | $0.00 | $6,250.01 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225954374 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,338.90 | 7.318% | $5,476.56 | $5,821.48 | 7.606% | No | No | Employed | Not Employed | US Citizen | $1,071,245.09 | 1 | [Redacted] | $3,364.92 | [Redacted] | $280.41 | 1.990% | 1.959% | 1.990% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.130% | $0.00 | 2.6 | None | Yes | No | 7.606% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $4,658,229.06 | 100.000% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 656.21 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225954753 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,407.50 | $15,325.44 | 7.175% | $3,028.44 | $3,028.44 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $8,614.05 | 1 | [Redacted] | $1,214.16 | [Redacted] | $101.18 | 39.122% | 39.122% | 39.122% | [Redacted] | 646 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,407.50 | 6.520% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $101,917.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 27.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956125 | [Redacted] | [Redacted] | N/A | No | No | $638.87 | $638.87 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $792.96 | [Redacted] | $66.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956208 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,844.59 | $3,939.34 | 6.972% | $998.71 | $998.71 | 6.750% | No | No | Self-Employed | US Citizen | $8,111.63 | 1 | [Redacted] | $698.04 | [Redacted] | $58.17 | 33.865% | 33.865% | 33.865% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $2,844.59 | 6.410% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 1 | 0 | No | [redacted] | $162,076.81 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 193.43 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956302 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,834.20 | $7,507.25 | 7.370% | $1,741.97 | $1,741.97 | 7.125% | No | No | Self-Employed | US Citizen | $5,872.65 | 1 | [Redacted] | $893.04 | [Redacted] | $74.42 | 42.704% | 42.704% | 42.704% | [Redacted] | 795 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,834.20 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $24,037.38 | 7.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956316 | [Redacted] | [Redacted] | N/A | No | No | $1,349.84 | $1,349.84 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $822.72 | [Redacted] | $68.56 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.4 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $565,764.38 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 555.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956321 | [Redacted] | [Redacted] | N/A | No | No | $1,023.23 | $1,023.23 | 7.125% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $423.00 | [Redacted] | $35.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $457,725.27 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956346 | [Redacted] | [Redacted] | N/A | No | No | $7,295.00 | $8,529.68 | 7.164% | $1,740.86 | $1,740.86 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $16,522.97 | 1 | [Redacted] | $2,975.76 | [Redacted] | $247.98 | 43.249% | 43.249% | 43.249% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,295.00 | 6.510% | $7,500.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $817,758.79 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.78 | No | No | $29,115.00 | $0.00 | No | No | No | No | 2 | 360 | VE | 01/01/2027 | $6,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956383 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,697.00 | $8,738.36 | 8.534% | $3,374.72 | $3,374.72 | 8.375% | No | No | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | El Salvador | $13,793.09 | 1 | [Redacted] | $1,515.00 | [Redacted] | $126.25 | 24.715% | 24.715% | 24.715% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,697.00 | 6.570% | $5,000.00 | 1.0 | None | No | No | 8.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $134,616.97 | 24.250% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | Resident Alien Card | VISA | 8.92 | No | $0.00 | $13,294.42 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956632 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,515.76 | 7.516% | $9,370.31 | $12,077.86 | 7.500% | No | No | Non-Employment Income | US Citizen | $20,015.18 | 1 | [Redacted] | $1,971.00 | [Redacted] | $164.25 | 46.399% | 39.148% | 46.399% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Non-Primary Income - Note Receivable]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.520% | $0.00 | 3.1 | None | Yes | No | 7.500% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 125.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956639 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,540.00 | $15,514.37 | 6.895% | $16,324.68 | $16,324.68 | 6.875% | No | No | Non-Employment Income | US Citizen | $28,565.22 | 1 | [Redacted] | $4,380.36 | [Redacted] | $365.03 | 49.138% | 49.138% | 49.138% | [Redacted] | 795 | Yes | No | [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $26,540.00 | 6.490% | $50,000.00 | 2.7 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 60 | [redacted] | $4,156,999.50 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 199.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225956644 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,480.40 | $5,693.96 | 8.063% | $1,192.11 | $1,192.11 | 7.750% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | India | India | $3,659.00 | 1 | [Redacted] | $632.04 | [Redacted] | $52.67 | 35.433% | 35.433% | 35.433% | [Redacted] | 752 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,480.40 | 6.490% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $42,762.48 | 20.550% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | VISA | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225957587 | [Redacted] | [Redacted] | N/A | No | No | $1,206.57 | $1,206.57 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,115.00 | [Redacted] | $176.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $25,483.26 | 8.790% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225958691 | [Redacted] | [Redacted] | N/A | No | No | $6,063.47 | $6,063.47 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,266.00 | [Redacted] | $105.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.71 | 1.4 | [redacted] | $1,509,565.79 | 80.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 183.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225959506 | [Redacted] | [Redacted] | N/A | No | No | $2,734.13 | $2,734.13 | 6.625% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,446.00 | [Redacted] | $120.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $111,795.98 | 18.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225960426 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,090.00 | $6,960.32 | 6.835% | $5,967.10 | $5,967.10 | 6.750% | No | No | Employed | US Citizen | $30,682.21 | 1 | [Redacted] | $5,556.00 | [Redacted] | $463.00 | 18.181% | 18.181% | 18.181% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,090.00 | 6.320% | $6,380.00 | 2.5 | None | No | No | 6.750% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $2,474,131.20 | 100.000% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 328.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961127 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,390.00 | $12,408.62 | 6.890% | $4,669.91 | $4,669.91 | 6.750% | No | No | Self-Employed | US Citizen | $16,781.77 | 1 | [Redacted] | $1,449.96 | [Redacted] | $120.83 | 39.499% | 39.499% | 39.499% | [Redacted] | 804 | No | Yes | 84 | Personal, Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2003 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,390.00 | 6.520% | $0.00 | 4.2 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $596,922.15 | 65.230% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961130 | [Redacted] | [Redacted] | N/A | No | No | $1,130.79 | $1,130.79 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $692.76 | [Redacted] | $57.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | $5,000.00 | 2.260% | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 46.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961131 | [Redacted] | [Redacted] | N/A | No | No | $2,398.44 | $2,398.44 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,199.00 | [Redacted] | $183.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $158,566.51 | 35.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961888 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,598.95 | $21,251.46 | 7.552% | $4,423.67 | $4,423.67 | 7.250% | No | No | Self-Employed | US Citizen | $7,340.30 | 1 | [Redacted] | $1,276.20 | [Redacted] | $106.35 | 42.937% | 42.937% | 42.937% | [Redacted] | 829 | No | Yes | 12 | Business | 76.000% | 25.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,598.95 | 6.520% | $15,000.00 | 1.0 | None | N/A | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $156,673.44 | 20.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | VantageScore 4.0 | VantageScore 4.0 | VantageScore 4.0 | 6.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964343 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,750.50 | $16,593.72 | 7.761% | $3,863.16 | $3,863.16 | 7.500% | No | No | Self-Employed | US Citizen | $39,734.52 | 1 | [Redacted] | $3,020.04 | [Redacted] | $251.67 | 17.323% | 17.323% | 17.323% | [Redacted] | 729 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,750.50 | 6.490% | $119,172.70 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | [redacted] | $149,042.35 | 22.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964350 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,304.25 | $389.88 | 6.846% | $5,924.51 | $5,924.51 | 6.875% | No | No | Self-Employed | US Citizen | $8,692.21 | 1 | [Redacted] | $4,373.76 | [Redacted] | $364.48 | 46.424% | 46.424% | 46.424% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $6,304.25 | 6.490% | $25,180.68 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $406,824.23 | 38.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 34.38 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964408 | [Redacted] | [Redacted] | N/A | No | No | $1,023.23 | $1,023.23 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $390.96 | [Redacted] | $32.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $457,725.27 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 407.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964935 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,390.36 | $14,282.02 | 7.412% | $5,102.68 | $5,102.68 | 7.250% | No | No | Self-Employed | US Citizen | $10,868.57 | 2 | [Redacted] | $1,058.04 | [Redacted] | $88.17 | 42.289% | 42.289% | 42.289% | [Redacted] | 745 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $29,390.36 | 6.520% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $106,008.14 | 11.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964967 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,095.00 | $26,182.98 | 7.105% | $6,569.29 | $6,569.29 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $217,433.87 | 1 | [Redacted] | $3,359.04 | [Redacted] | $279.92 | 6.005% | 6.005% | 6.005% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $22,095.00 | 6.520% | $0.00 | 2.9 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $283,658.54 | 17.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965013 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,612.30 | 7.231% | $1,751.67 | $1,751.67 | 7.125% | No | No | Employed | US Citizen | $3,994.72 | 1 | [Redacted] | $5,361.24 | [Redacted] | $446.77 | 49.840% | 49.840% | 49.840% | [Redacted] | 794 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.570% | $8,905.44 | 4.2 | None | Yes | No | 7.125% | 1 | 2 | 0 | 3 | 2 | 0.00 | No | Other | [redacted] | $696,000.87 | 100.000% | No | 16 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 222.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965869 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,618.44 | $13,220.24 | 7.378% | $3,158.06 | $3,158.06 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,288.35 | 1 | [Redacted] | $3,117.72 | [Redacted] | $259.81 | 23.729% | 23.729% | 23.729% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - Year Not Available [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,618.44 | 6.600% | $10,000.00 | 1.4 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $177,128.67 | 28.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.01 | No | No | $15,266.81 | $0.00 | No | No | No | No | 2 | 360 | A | 07/01/2027 | $485,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965870 | [Redacted] | [Redacted] | N/A | No | No | $1,456.97 | $1,456.97 | 7.990% | No | No | Foreign National | 1 | [Redacted] | $1,581.00 | [Redacted] | $131.75 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $194,292.00 | 73.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 50.68 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965878 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,479.96 | $8,924.58 | 7.455% | $1,689.69 | $1,689.69 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,040.32 | 1 | [Redacted] | $2,788.32 | [Redacted] | $232.36 | 44.685% | 44.685% | 44.685% | [Redacted] | 749 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,479.96 | 6.570% | $4,000.00 | 2.5 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $577,775.17 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 283.46 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965879 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,343.13 | $10,066.40 | 6.893% | $1,501.16 | $1,501.16 | 6.500% | No | No | Self-Employed | US Citizen | $63,911.45 | 1 | [Redacted] | $2,869.44 | [Redacted] | $239.12 | 5.136% | 5.136% | 5.136% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,343.13 | 6.570% | $0.00 | 1.5 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.17 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/02/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965884 | [Redacted] | [Redacted] | N/A | No | No | $12,325.33 | $12,325.33 | 6.500% | No | No | 0 | Non-Permanent Resident Alien | N/A | 1 | [Redacted] | $8,913.00 | [Redacted] | $742.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 3.2 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [redacted] | $1,439,563.70 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 97.46 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965885 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,450.00 | $23,193.26 | 7.237% | $3,941.57 | $3,941.57 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,861.87 | 1 | [Redacted] | $1,286.76 | [Redacted] | $107.23 | 48.883% | 48.883% | 48.883% | [Redacted] | 758 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,450.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.875% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $334,239.64 | 44.560% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.42 | No | No | $0.00 | $5,669.19 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965886 | [Redacted] | [Redacted] | N/A | No | No | $5,378.61 | $5,378.61 | 6.625% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $8,302.44 | [Redacted] | $691.87 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965887 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,815.00 | $13,145.94 | 7.351% | $6,794.48 | $6,794.48 | 7.250% | No | No | Self-Employed | US Citizen | $17,410.82 | 1 | [Redacted] | $3,902.04 | [Redacted] | $325.17 | 37.159% | 37.159% | 37.159% | [Redacted] | 709 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,815.00 | 6.520% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $40,000.00 | 3.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966057 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,335.00 | $8,393.65 | 7.595% | $2,375.92 | $2,375.92 | 7.375% | No | No | Self-Employed | US Citizen | $7,674.42 | 1 | [Redacted] | $1,068.00 | [Redacted] | $89.00 | 31.037% | 31.037% | 31.037% | [Redacted] | 707 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $5,335.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $12,900.00 | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.18 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966265 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,939.40 | $9,802.50 | 6.955% | $2,646.28 | $2,646.28 | 6.750% | No | No | Not Employed | Employed | US Citizen | $6,237.46 | 1 | [Redacted] | $1,977.00 | [Redacted] | $164.75 | 40.448% | 40.448% | 40.448% | [Redacted] | 793 | No | Yes | 24 | Personal, Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.37000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.37000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.37000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.37000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.37000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,939.40 | 6.420% | $0.00 | 1.1 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.43 | No | $10,474.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225966357 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,895.44 | $14,505.59 | 8.953% | $5,122.99 | $5,122.99 | 8.750% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Brazil | $61,053.85 | 1 | [Redacted] | $1,785.96 | [Redacted] | $148.83 | 8.979% | 8.979% | 8.979% | [Redacted] | 654 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,895.44 | 6.520% | $16,000.00 | 1.4 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $40,700.00 | 5.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 10.3 | No | $67,076.30 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225970151 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,430.00 | $11,028.02 | 7.678% | $3,165.30 | $3,287.70 | 7.636% | No | No | Employed | US Citizen | $7,698.65 | 1 | [Redacted] | $798.00 | [Redacted] | $66.50 | 38.497% | 42.193% | 38.497% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,430.00 | 6.240% | $15,250.00 | 1.7 | None | No | No | 7.636% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $209,598.80 | 36.130% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225970297 | [Redacted] | [Redacted] | N/A | No | No | $1,177.85 | $1,177.85 | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $843.96 | [Redacted] | $70.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.86 | [redacted] | $1,125,330.38 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 738.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225970533 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,648.75 | $8,065.70 | 8.027% | $3,317.19 | $3,320.71 | 7.886% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $49,670.72 | 1 | [Redacted] | $626.04 | [Redacted] | $52.17 | 15.034% | 16.041% | 15.034% | [Redacted] | 663 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,648.75 | 6.240% | $0.00 | 1.0 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $245,013.38 | 40.160% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.81 | No | No | $29,229.58 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973593 | [Redacted] | [Redacted] | N/A | No | No | $6,030.73 | $6,030.73 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $2,336.04 | [Redacted] | $194.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $592,381.48 | 51.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973631 | [Redacted] | [Redacted] | N/A | No | No | $8,027.50 | $11,188.38 | 8.903% | $4,985.71 | $4,985.71 | 8.750% | No | No | Employed | Employed | US Citizen | US Citizen | $14,232.88 | 2 | [Redacted] | $2,656.92 | [Redacted] | $221.41 | 49.887% | 49.887% | 49.887% | [Redacted] | 694 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $8,027.50 | 6.530% | $0.00 | None | N/A | No | 8.750% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $27,501.05 | No | 29 | 11 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | No | 9.03 | No | No | $0.00 | $8,780.20 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973642 | [Redacted] | [Redacted] | N/A | No | No | $788.31 | $788.31 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $4,185.84 | [Redacted] | $348.82 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 62.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973778 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,550.00 | $9,022.55 | 7.173% | $7,869.03 | $7,869.03 | 7.125% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $17,747.66 | 1 | [Redacted] | $2,502.00 | [Redacted] | $208.50 | 34.663% | 34.663% | 34.663% | [Redacted] | 786 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,550.00 | 6.490% | $0.00 | 3.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 120 | [redacted] | $3,501,885.00 | 100.000% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 352.3 | No | $0.00 | $3,189.33 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974045 | [Redacted] | [Redacted] | N/A | No | No | $966.75 | $966.75 | 6.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $957.00 | [Redacted] | $79.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $207,252.53 | 94.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974072 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,863.87 | $41,456.51 | 7.209% | $11,434.31 | $11,434.31 | 6.990% | No | No | Self-Employed | US Citizen | $55,634.31 | 1 | [Redacted] | $3,639.96 | [Redacted] | $303.33 | 51.735% | 51.735% | 51.735% | [Redacted] | 780 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2017 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $19,863.87 | 6.510% | $100,000.00 | 3.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $238,329.49 | 11.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | 13.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974073 | [Redacted] | [Redacted] | N/A | No | No | $2,292.98 | $2,292.98 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $2,804.04 | [Redacted] | $233.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.66 | [redacted] | $91,894.89 | 19.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974081 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,888.50 | $9,598.84 | 8.167% | $1,611.93 | $1,611.93 | 7.750% | No | No | Self-Employed | US Citizen | $4,408.83 | 1 | [Redacted] | $1,578.00 | [Redacted] | $131.50 | 42.451% | 42.451% | 42.451% | [Redacted] | 717 | No | Yes | 12 | Personal | 84.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,888.50 | 6.490% | $915.75 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $58,622.85 | 23.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974082 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,859.55 | 8.074% | $3,826.61 | $3,826.61 | 7.990% | No | Yes | Employed | Self-Employed | US Citizen | US Citizen | $35,335.90 | 1 | [Redacted] | $4,933.92 | [Redacted] | $411.16 | 22.045% | 22.045% | 22.045% | [Redacted] | 687 | No | Yes | 24 | Business | 88.000% | 50.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.490% | $3,000.00 | 1.0 | None | Yes | No | 7.990% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $77,941.45 | 11.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.96 | No | No | $39,710.42 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974110 | [Redacted] | [Redacted] | N/A | No | No | $3,547.42 | $3,547.42 | 6.875% | No | No | 0 | US Citizen | US Citizen | US Citizen | 4 | [Redacted] | $1,499.04 | [Redacted] | $124.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | 806 | 775 | 773 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | $254,923.05 | 37.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974113 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $9,080.75 | 7.004% | $3,750.66 | $3,750.66 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $38,031.75 | 1 | [Redacted] | $3,177.60 | [Redacted] | $264.80 | 17.812% | 17.812% | 17.812% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.490% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.875% | 1 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $256,211.17 | 33.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974165 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,921.40 | 6.803% | $3,891.59 | $3,891.59 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $7,531.66 | 1 | [Redacted] | $1,640.28 | [Redacted] | $136.69 | 40.051% | 40.051% | 40.051% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.520% | $2,213.94 | 2.4 | DU | ApproveEligible | No | No | 6.750% | 2 | 1 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $524,158.89 | 56.660% | No | 9 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | 36.86 | No | $0.00 | $4,230.15 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974233 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,330.00 | $5,578.53 | 7.488% | $1,418.93 | $1,418.93 | 7.250% | No | No | Employed | Employed | Non-Permanent Resident Alien | US Citizen | $4,004.76 | 1 | [Redacted] | $1,074.24 | [Redacted] | $89.52 | 31.402% | 31.402% | 31.402% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,330.00 | 6.520% | $7,825.00 | 1.0 | None | Yes | No | 7.250% | 0 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $47,661.41 | 18.330% | No | 29 | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 24.67 | No | $0.00 | $1,014.94 | Yes | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974307 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $9,296.05 | 7.307% | $14,223.10 | $15,163.12 | 7.636% | No | No | Employed | US Citizen | $29,652.14 | 1 | [Redacted] | $9,462.12 | [Redacted] | $788.51 | 45.406% | 43.675% | 45.406% | [Redacted] | 761 | Yes | No | [Borrower - | Primary Income - K-1 (< 25%)]; Paystubs - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | 6.160% | $35,000.00 | None | N/A | No | 7.636% | 0 | 1 | 0 | 0 | 1 | No | Other | [redacted] | $1,730,517.67 | 64.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.36 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225974372 | [Redacted] | [Redacted] | N/A | No | No | $1,981.30 | $1,981.30 | 6.875% | No | No | 0 | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $2,163.72 | [Redacted] | $180.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | 743 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $69,819.43 | 18.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | 33.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225978989 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,378.75 | $5,139.29 | 7.424% | $764.33 | $764.33 | 6.990% | No | No | Self-Employed | US Citizen | $4,885.74 | 1 | [Redacted] | $852.00 | [Redacted] | $71.00 | 30.874% | 30.874% | 30.874% | [Redacted] | 783 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,378.75 | 6.490% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $191,315.86 | 69.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225979431 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,403.41 | 7.484% | $1,282.13 | $1,282.13 | 7.375% | No | No | Self-Employed | US Citizen | $7,031.63 | 1 | [Redacted] | $3,033.96 | [Redacted] | $252.83 | 32.719% | 32.719% | 32.719% | [Redacted] | 699 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $3,805.70 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225985188 | [Redacted] | [Redacted] | N/A | No | No | $1,955.09 | $1,955.09 | 7.990% | No | No | Foreign National | 1 | [Redacted] | $1,193.04 | [Redacted] | $99.42 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.2 | [redacted] | $127,518.91 | 33.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | 4.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986211 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,396.60 | $8,287.87 | 9.146% | $2,472.86 | $2,472.86 | 8.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $17,231.75 | 1 | [Redacted] | $2,727.00 | [Redacted] | $227.25 | 18.706% | 18.706% | 18.706% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,396.60 | 6.570% | $0.00 | 2.1 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $19,061.09 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 106.15 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986218 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,195.00 | $24,366.61 | 8.222% | $4,930.47 | $4,930.47 | 7.875% | No | No | Self-Employed | US Citizen | $13,104.19 | 1 | [Redacted] | $1,467.00 | [Redacted] | $122.25 | 32.113% | 32.113% | 32.113% | [Redacted] | 710 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2014 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,195.00 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $207,910.36 | 25.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | 8.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986219 | [Redacted] | [Redacted] | N/A | No | No | $4,675.00 | $4,675.00 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,033.00 | [Redacted] | $252.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 5.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | 240 | [redacted] | $250,000.00 | 22.720% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | VE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986255 | [Redacted] | [Redacted] | N/A | No | No | $15,994.00 | $6,808.06 | 7.294% | $1,409.02 | $1,409.02 | 6.990% | No | No | Employed | Permanent Resident Alien | $9,886.11 | 1 | [Redacted] | $1,179.00 | [Redacted] | $98.25 | 49.064% | 49.064% | 49.064% | [Redacted] | 775 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,994.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 3 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $462,598.72 | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 189.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986279 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,518.92 | $3,659.04 | 7.566% | $2,946.81 | $2,946.81 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,244.49 | 1 | [Redacted] | $744.00 | [Redacted] | $62.00 | 42.782% | 42.782% | 42.782% | [Redacted] | 792 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,518.92 | 6.520% | $20,000.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $59,305.19 | 11.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986286 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,335.31 | $8,648.82 | 9.196% | $3,105.08 | $3,105.08 | 8.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $42,714.83 | 1 | [Redacted] | $2,784.00 | [Redacted] | $232.00 | 15.762% | 15.762% | 15.762% | [Redacted] | 638 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,335.31 | 6.520% | $0.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986493 | [Redacted] | [Redacted] | N/A | No | No | $985.87 | $985.87 | 6.750% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,143.12 | [Redacted] | $95.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $61,517.85 | 32.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225987053 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,282.00 | $5,900.43 | 9.083% | $2,221.44 | $2,221.44 | 8.875% | No | No | Self-Employed | US Citizen | $12,823.77 | 4 | [Redacted] | $2,644.44 | [Redacted] | $220.37 | 28.745% | 28.745% | 28.745% | [Redacted] | 676 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,282.00 | 6.490% | $0.00 | None | Yes | No | 8.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $249,039.35 | 71.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.03 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225988482 | [Redacted] | [Redacted] | N/A | No | No | $904.81 | $904.81 | 7.000% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,003.20 | [Redacted] | $83.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | 754 | 727 | 783 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $38,749.07 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225989961 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,495.00 | $4,167.36 | 6.894% | $5,140.33 | $5,894.11 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $16,517.92 | 1 | [Redacted] | $3,080.88 | [Redacted] | $256.74 | 34.012% | 31.000% | 34.012% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,495.00 | 6.520% | $12,000.00 | 1.3 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 360 | [redacted] | $2,312,172.71 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 155.34 | Yes | No | $8,328.20 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225991583 | [Redacted] | [Redacted] | N/A | No | No | $1,930.23 | $1,930.23 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,172.04 | [Redacted] | $97.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $15,913.70 | 4.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225992785 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,599.25 | $7,286.51 | 7.667% | $2,761.90 | $2,761.90 | 7.500% | No | No | Employed | US Citizen | $4,665.59 | 1 | [Redacted] | $1,797.00 | [Redacted] | $149.75 | 44.013% | 44.013% | 44.013% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,599.25 | 6.530% | $0.00 | 2.0 | DU | ApproveEligible | N/A | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994432 | [Redacted] | [Redacted] | N/A | No | Yes | $0.00 | $3,380.20 | 6.893% | $2,548.54 | $2,548.54 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,403.53 | 1 | [Redacted] | $192.00 | [Redacted] | $16.00 | 39.089% | 39.089% | 39.089% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | 5.970% | $3,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $251,915.05 | 65.600% | No | 30 | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.91 | No | No | $0.00 | $11,158.33 | No | No | No | No | 3 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994436 | [Redacted] | [Redacted] | N/A | No | No | $42,440.00 | $15,428.82 | 8.739% | $4,844.15 | $4,844.15 | 8.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,947.45 | 2 | [Redacted] | $6,398.52 | [Redacted] | $533.21 | 44.673% | 44.673% | 44.673% | [Redacted] | 628 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $42,440.00 | 6.490% | $0.00 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $275,291.76 | 30.580% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.4 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994441 | [Redacted] | [Redacted] | N/A | No | No | $3,368.59 | $3,368.59 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $2,570.04 | [Redacted] | $214.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994446 | [Redacted] | [Redacted] | N/A | No | No | $3,232.36 | $3,232.36 | 7.375% | No | No | 0 | 0 | US Citizen | US Citizen | 4 | [Redacted] | $7,610.04 | [Redacted] | $634.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | 803 | 794 | 799 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.11 | 0.47 | [redacted] | $265,291.55 | 45.340% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994447 | [Redacted] | [Redacted] | N/A | No | No | $1,219.43 | $1,219.43 | 7.500% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $3,191.76 | [Redacted] | $265.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | 790 | 786 | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | [redacted] | $122,041.77 | 55.980% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994456 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,690.25 | 6.615% | $1,605.45 | $1,605.45 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $24,182.80 | 1 | [Redacted] | $1,539.24 | [Redacted] | $128.27 | 12.075% | 12.075% | 12.075% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.570% | $0.00 | 1.0 | None | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $207,563.88 | 32.680% | No | 29 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 203.43 | No | $0.00 | $10,708.17 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994457 | [Redacted] | [Redacted] | N/A | No | No | $552.54 | $552.54 | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,324.08 | [Redacted] | $110.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.53 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994465 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,910.00 | 6.784% | $4,053.74 | $4,053.74 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $30,182.98 | 1 | [Redacted] | $3,139.56 | [Redacted] | $261.63 | 28.799% | 28.799% | 28.799% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.490% | $0.00 | 1.2 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $335,230.80 | 26.810% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.91 | Yes | No | $0.00 | $12,391.25 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994489 | [Redacted] | [Redacted] | N/A | No | No | $33,190.00 | $40,097.10 | 7.536% | $12,291.67 | $15,959.34 | 7.375% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $246,687.73 | 1 | [Redacted] | $9,531.96 | [Redacted] | $794.33 | 23.033% | 21.889% | 23.033% | [Redacted] | 773 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $33,190.00 | 6.490% | $0.00 | 4.1 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 108.42 | No | No | $320,512.42 | $0.00 | No | No | No | No | 4 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225997790 | [Redacted] | [Redacted] | Non QM | Yes | No | $28,487.35 | $29,948.27 | 7.522% | $7,158.76 | $7,158.76 | 7.250% | No | No | Employed | US Citizen | $49,993.16 | 1 | [Redacted] | $1,512.00 | [Redacted] | $126.00 | 26.772% | 26.772% | 26.772% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $28,487.35 | 6.510% | $24,600.00 | 1.5 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $230,878.55 | 19.800% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.86 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999034 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,801.25 | $15,580.15 | 6.803% | $5,042.45 | $5,042.45 | 6.625% | No | No | Self-Employed | US Citizen | $44,322.89 | 1 | [Redacted] | $823.44 | [Redacted] | $68.62 | 33.653% | 33.653% | 33.653% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 18.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $7,801.25 | 6.510% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $436,614.00 | 41.580% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.85 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999042 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,904.50 | $7,444.10 | 6.810% | $1,821.88 | $2,484.74 | 6.625% | No | No | Not Employed | Employed | US Citizen | US Citizen | $7,348.62 | 1 | [Redacted] | $2,405.04 | [Redacted] | $200.42 | 33.194% | 27.168% | 33.194% | [Redacted] | 798 | No | No | [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,904.50 | 6.570% | $0.00 | 2.8 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $1,523,226.12 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 175.75 | Yes | No | $11,000.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999047 | [Redacted] | [Redacted] | N/A | No | No | $1,538.27 | $1,538.27 | 7.500% | No | No | US Citizen | US Citizen | 4 | [Redacted] | $4,041.00 | [Redacted] | $336.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $73,818.13 | 26.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999059 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,088.13 | $6,140.30 | 7.180% | $5,381.33 | $5,381.33 | 7.125% | No | No | Employed | US Citizen | $20,162.92 | 1 | [Redacted] | $2,364.00 | [Redacted] | $197.00 | 36.251% | 36.251% | 36.251% | [Redacted] | 723 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,088.13 | 6.490% | $0.00 | 3.7 | DU | ApproveEligible | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $364,722.54 | 34.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999064 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,674.00 | $9,660.16 | 7.145% | $3,615.59 | $3,615.59 | 6.990% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $17,487.79 | 1 | [Redacted] | $2,645.52 | [Redacted] | $220.46 | 28.458% | 28.458% | 28.458% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,674.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $129,162.19 | 18.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 11.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999065 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,690.00 | $7,873.24 | 8.295% | $1,876.65 | $1,876.65 | 7.990% | No | No | Employed | US Citizen | $11,724.15 | 1 | [Redacted] | $1,420.80 | [Redacted] | $118.40 | 45.711% | 45.711% | 45.711% | [Redacted] | 692 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,690.00 | 6.510% | $0.00 | 1.0 | None | No | No | 7.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $95,819.95 | 29.940% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.78 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226000247 | [Redacted] | [Redacted] | N/A | No | No | $1,362.06 | $1,362.06 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $972.00 | [Redacted] | $81.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $584,104.77 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 313.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002456 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,995.00 | $10,126.50 | 8.101% | $3,190.31 | $3,190.31 | 7.875% | No | No | Non-Employment Income | US Citizen | $7,808.11 | 1 | [Redacted] | $1,676.04 | [Redacted] | $139.67 | 39.530% | 39.530% | 39.530% | [Redacted] | 715 | No | No | [Borrower - | Primary Income - Note Receivable]; Account Statements - 2026 [Borrower - | Primary Income - Note Receivable]; Deposit Receipt - 2026 [Borrower - | Primary Income - Note Receivable]; Note - 2025 [Borrower - | Primary Income - Note Receivable]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $2,995.00 | 6.490% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $242,098.48 | 44.010% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002457 | [Redacted] | [Redacted] | N/A | No | No | $1,179.01 | $1,179.01 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,424.16 | [Redacted] | $118.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $16,357.56 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002505 | [Redacted] | [Redacted] | N/A | No | Yes | $15,379.84 | $21,006.62 | 6.273% | $2,896.17 | $2,896.17 | 5.875% | No | No | Employed | Employed | US Citizen | US Citizen | $16,699.38 | 1 | [Redacted] | $2,090.76 | [Redacted] | $174.23 | 37.556% | 37.556% | 37.556% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,379.84 | 6.490% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 5.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $196,017.38 | 32.020% | No | 30 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.64 | No | No | $0.00 | $24,759.04 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002628 | [Redacted] | [Redacted] | N/A | No | No | $12,757.90 | $4,706.62 | 7.500% | $1,236.10 | $1,236.10 | 7.250% | No | No | Self-Employed | US Citizen | $18,662.54 | 1 | [Redacted] | $4,623.96 | [Redacted] | $385.33 | 31.414% | 31.414% | 31.414% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2001 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,757.90 | 6.490% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $115,480.22 | 50.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.24 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 07/23/2027 | $95,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002741 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,265.00 | $7,509.00 | 7.290% | $8,595.42 | $8,595.42 | 7.250% | No | No | Self-Employed | US Citizen | $22,513.32 | 1 | [Redacted] | $2,965.20 | [Redacted] | $247.10 | 40.139% | 40.139% | 40.139% | [Redacted] | 794 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 2yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $3,265.00 | 6.530% | $0.00 | 2.9 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24.00 | No | [redacted] | $450,597.32 | 28.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002744 | [Redacted] | [Redacted] | N/A | No | No | $1,456.17 | $1,456.17 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $804.60 | [Redacted] | $67.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [redacted] | $565,781.50 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 535.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002745 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,818.56 | $9,013.30 | 7.816% | $1,980.18 | $1,980.18 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $5,007.17 | 1 | [Redacted] | $2,839.32 | [Redacted] | $236.61 | 36.800% | 36.800% | 36.800% | [Redacted] | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,818.56 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $11,490.09 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 61.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002750 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,637.59 | $3,757.80 | 7.236% | $2,014.67 | $2,014.67 | 7.125% | No | No | Employed | US Citizen | $14,677.73 | 1 | [Redacted] | $2,700.96 | [Redacted] | $225.08 | 23.423% | 23.423% | 23.423% | [Redacted] | 713 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 0 | 0 | [redacted] | $2,637.59 | 6.490% | $14,037.00 | 1.9 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $690,797.24 | 100.000% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 127.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226002755 | [Redacted] | [Redacted] | N/A | No | No | $3,393.87 | $3,393.87 | 7.625% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $5,837.52 | [Redacted] | $486.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | 732 | 683 | 695 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003015 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $525.12 | 5.741% | $6,565.19 | $6,565.19 | 5.750% | No | No | Employed | US Citizen | $9,072.27 | 1 | [Redacted] | $2,100.60 | [Redacted] | $175.05 | 47.702% | 47.702% | 47.702% | [Redacted] | 702 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.260% | $22,821.25 | 1.7 | DU | ApproveIneligible | No | No | 5.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $970,856.06 | 51.090% | No | 23 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003249 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,923.56 | 6.921% | $6,306.52 | $6,306.52 | 6.875% | No | No | Self-Employed | US Citizen | $82,834.44 | 1 | [Redacted] | $3,102.24 | [Redacted] | $258.52 | 14.409% | 14.409% | 14.409% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.490% | $0.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $325,586.43 | 27.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226003503 | [Redacted] | [Redacted] | N/A | No | No | $635.79 | $635.79 | 6.990% | No | No | 0 | Permanent Resident Alien | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $1,212.00 | [Redacted] | $101.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | 800 | 794 | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.44 | 0.4 | [redacted] | $37,212.27 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.69 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004288 | [Redacted] | [Redacted] | N/A | No | No | $7,885.00 | $10,055.14 | 8.301% | $1,769.17 | $1,769.17 | 7.875% | No | No | Employed | US Citizen | $9,803.89 | 1 | [Redacted] | $1,928.04 | [Redacted] | $160.67 | 44.559% | 44.559% | 44.559% | [Redacted] | 703 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,885.00 | 6.420% | $0.00 | 1.0 | None | N/A | No | 7.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $111,360.03 | 36.510% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004377 | [Redacted] | [Redacted] | N/A | No | No | $14,775.00 | $17,129.65 | 7.338% | $5,120.27 | $5,120.27 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $70,390.07 | 1 | [Redacted] | $14,427.00 | [Redacted] | $1,202.25 | 22.777% | 22.777% | 22.777% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $14,775.00 | 6.520% | $5,137.50 | None | No | No | 7.125% | 3 | 3 | 2 | 0 | 2 | 3 | 0.00 | No | [redacted] | $267,355.02 | 28.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.91 | No | No | $0.00 | $33,333.33 | No | No | No | No | 2 | 360 | AE | 07/21/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004447 | [Redacted] | [Redacted] | N/A | No | No | $1,411.44 | $1,411.44 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,016.16 | [Redacted] | $84.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 665 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.5 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004613 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,200.00 | $11,004.60 | 6.888% | $4,767.20 | $4,767.20 | 6.750% | No | No | Self-Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $12,797.34 | 1 | [Redacted] | $1,718.04 | [Redacted] | $143.17 | 46.636% | 46.636% | 46.636% | [Redacted] | 818 | 814 | 822 | 818 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Yes | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,200.00 | 6.490% | $5,000.00 | 1.2 | None | No | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | No | Other | [redacted] | $1,261,999.57 | 100.000% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 152.43 | No | No | $14,389.52 | $5,200.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226004852 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,945.86 | $8,985.96 | 8.572% | $7,689.13 | $7,689.13 | 8.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $44,842.57 | 1 | [Redacted] | $3,416.40 | [Redacted] | $284.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 697 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $5,945.86 | 6.490% | $0.00 | 1.1 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $3,058,043.40 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 375.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/20/2027 | $829,816.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005569 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,250.00 | $10,996.12 | 7.753% | $2,964.67 | $2,964.67 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $13,332.34 | 1 | [Redacted] | $1,902.00 | [Redacted] | $158.50 | 24.089% | 24.089% | 24.089% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,250.00 | 6.530% | $17,900.00 | 1.4 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $70,296.25 | 13.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.83 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005593 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,889.00 | $8,176.40 | 7.199% | $1,622.61 | $1,622.61 | 6.875% | No | No | Self-Employed | US Citizen | $5,044.82 | 1 | [Redacted] | $1,539.00 | [Redacted] | $128.25 | 43.824% | 43.824% | 43.824% | [Redacted] | 776 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,889.00 | 6.570% | $0.00 | 3.1 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.73 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005676 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,645.00 | $19,993.15 | 7.031% | $7,883.15 | $7,883.15 | 6.875% | No | No | Self-Employed | US Citizen | $62,379.89 | 1 | [Redacted] | $2,838.96 | [Redacted] | $236.58 | 45.442% | 45.442% | 45.442% | [Redacted] | 761 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 1 | 0 | 0 | 0 | [redacted] | $17,645.00 | 6.530% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | [redacted] | $200,608.74 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 15.12 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226006476 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,953.06 | $7,605.05 | 7.185% | $2,395.06 | $2,395.06 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,712.30 | 1 | [Redacted] | $5,233.56 | [Redacted] | $436.13 | 45.843% | 45.843% | 45.843% | [Redacted] | 809 | No | Yes | 12 | Personal | 50.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,953.06 | 6.530% | $1,000.00 | 1.7 | None | No | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $229,247.45 | 50.890% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.93 | No | $0.00 | $5,319.33 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226022312 | [Redacted] | [Redacted] | N/A | No | No | $4,676.00 | $5,320.55 | 7.877% | $1,008.97 | $1,008.97 | 7.500% | No | No | Employed | US Citizen | $1,128.45 | 1 | [Redacted] | $1,842.60 | [Redacted] | $153.55 | 39.846% | 39.846% | 39.846% | [Redacted] | 703 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $4,676.00 | 6.520% | $0.00 | 1.3 | None | No | No | 7.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $95,598.36 | 43.060% | No | 11 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | 8.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030696 | [Redacted] | [Redacted] | N/A | No | No | $1,528.07 | $1,528.07 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,159.40 | [Redacted] | $179.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031123 | [Redacted] | [Redacted] | N/A | No | No | $1,937.94 | $1,937.94 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $383.04 | [Redacted] | $31.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $97,749.63 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 28.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226031705 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,923.00 | $7,602.83 | 8.071% | $2,642.16 | $2,642.16 | 7.875% | No | No | Self-Employed | US Citizen | $10,370.71 | 1 | [Redacted] | $2,985.36 | [Redacted] | $248.78 | 32.108% | 32.108% | 32.108% | [Redacted] | 710 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,923.00 | 6.490% | $0.00 | 3.8 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.93 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032276 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,115.00 | $7,552.63 | 6.983% | $3,994.13 | $3,994.13 | 6.875% | No | No | Self-Employed | US Citizen | $51,228.00 | 1 | [Redacted] | $7,445.76 | [Redacted] | $620.48 | 42.633% | 42.633% | 42.633% | [Redacted] | 762 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,115.00 | 6.520% | $0.00 | 2.5 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $81,434.78 | 10.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032704 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,991.56 | $5,707.54 | 8.068% | $4,370.92 | $4,370.92 | 7.990% | No | No | Self-Employed | US Citizen | $39,352.97 | 1 | [Redacted] | $3,581.04 | [Redacted] | $298.42 | 18.569% | 18.569% | 18.569% | [Redacted] | 766 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,991.56 | 6.570% | $10,000.00 | 2.6 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $7,264.91 | 1.090% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.75 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226032999 | [Redacted] | [Redacted] | Non QM | Yes | No | $42,190.00 | $45,547.66 | 7.085% | $13,302.81 | $13,302.81 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $24,953.96 | 1 | [Redacted] | $8,334.96 | [Redacted] | $694.58 | 41.788% | 41.788% | 41.788% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $42,190.00 | 6.520% | $0.00 | 3.8 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $347,473.03 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.32 | No | No | $42,867.19 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033007 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,423.00 | $4,635.22 | 7.276% | $1,063.41 | $1,063.41 | 6.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $2,429.60 | 1 | [Redacted] | $1,751.64 | [Redacted] | $145.97 | 47.392% | 47.392% | 47.392% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,423.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $50,268.64 | No | 30 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033430 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,374.95 | $7,362.35 | 9.763% | $1,788.26 | $1,788.26 | 9.375% | No | No | Employed | US Citizen | $4,431.88 | 1 | [Redacted] | $3,537.00 | [Redacted] | $294.75 | 37.580% | 37.580% | 37.580% | [Redacted] | 620 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,374.95 | 6.490% | $0.00 | 1.5 | None | No | No | 9.375% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 69.24 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033441 | [Redacted] | [Redacted] | N/A | No | No | $1,298.45 | $1,298.45 | 5.750% | No | No | US Citizen | 1 | [Redacted] | $470.16 | [Redacted] | $39.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033555 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,910.94 | $6,112.56 | 7.420% | $2,276.76 | $2,276.76 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,644.60 | 1 | [Redacted] | $1,904.52 | [Redacted] | $158.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,910.94 | 6.490% | $5,000.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $851,966.74 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 271.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033558 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,027.50 | $5,032.80 | 7.497% | $2,693.63 | $2,693.63 | 7.375% | No | No | Non-Employment Income | US Citizen | $5,150.18 | 1 | [Redacted] | $1,635.96 | [Redacted] | $136.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,027.50 | 6.490% | $4,000.00 | 3.6 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $867,831.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 183.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033565 | [Redacted] | [Redacted] | N/A | No | No | $1,309.52 | $1,309.52 | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,083.92 | [Redacted] | $173.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $63,733.46 | 26.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033584 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,380.00 | $4,733.30 | 8.104% | $2,771.00 | $2,771.00 | 7.990% | No | No | Self-Employed | US Citizen | $20,837.30 | 1 | [Redacted] | $1,434.00 | [Redacted] | $119.50 | 18.719% | 20.637% | 18.719% | [Redacted] | 734 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,380.00 | 6.230% | $7,800.00 | 1.9 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $54,733.02 | 13.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033586 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,697.36 | 7.536% | $5,008.12 | $5,008.12 | 7.500% | No | No | Self-Employed | US Citizen | $17,993.38 | 2 | [Redacted] | $1,441.08 | [Redacted] | $120.09 | 28.317% | 28.317% | 28.317% | [Redacted] | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.530% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033587 | [Redacted] | [Redacted] | N/A | No | No | $26,790.00 | $12,360.04 | 7.853% | $2,044.69 | $2,044.69 | 6.875% | No | No | Not Employed | Non-Employment Income | Foreign National | Brazil | $8,580.52 | 1 | [Redacted] | $1,395.84 | [Redacted] | $116.32 | 0.000% | 0.000% | 0.000% | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $26,790.00 | 6.240% | $10,000.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $850,749.48 | 100.000% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | VISA | 177.96 | No | No | $13,132.72 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033590 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,615.00 | $5,948.65 | 7.316% | $1,196.34 | $1,196.34 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | $5,353.22 | 1 | [Redacted] | $1,649.04 | [Redacted] | $137.42 | 43.533% | 43.533% | 43.533% | [Redacted] | 731 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,615.00 | 6.530% | $0.00 | 1.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.91 | No | $9,480.26 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033593 | [Redacted] | [Redacted] | N/A | No | No | $203,845.00 | $33,240.55 | 7.412% | $20,052.08 | $28,487.73 | 7.636% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $61,725.73 | 1 | [Redacted] | $61,286.52 | [Redacted] | $5,107.21 | 46.515% | 44.260% | 46.515% | [Redacted] | 773 | Yes | No | [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $203,845.00 | 6.230% | $0.00 | 1.6 | DU | ApproveIneligible | No | No | 7.636% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Closed End | No | Other | 240 | [redacted] | $6,274,874.52 | No | 17 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 170.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033599 | [Redacted] | [Redacted] | N/A | No | No | $2,358.01 | $2,358.01 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $2,258.64 | [Redacted] | $188.22 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [redacted] | $12,980.16 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.99 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033600 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,342.99 | $9,513.79 | 7.412% | $1,478.34 | $1,478.34 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $2,339.17 | 1 | [Redacted] | $2,664.60 | [Redacted] | $222.05 | 48.580% | 48.580% | 48.580% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $7,342.99 | 6.520% | $1,000.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $268,059.25 | 61.060% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.42 | No | No | $535.50 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033607 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,284.40 | $8,981.90 | 7.531% | $3,679.92 | $3,679.92 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $88,322.55 | 1 | [Redacted] | $3,259.20 | [Redacted] | $271.60 | 9.652% | 9.652% | 9.652% | [Redacted] | 664 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,284.40 | 6.530% | $0.00 | 4.9 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.51 | No | No | $97,758.17 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033650 | [Redacted] | [Redacted] | N/A | No | No | $0.00 | $1,630.40 | 7.388% | $4,972.86 | $4,972.86 | 7.375% | No | No | Not Employed | Employed | Non-Permanent Resident Alien | $21,530.44 | 2 | [Redacted] | $1,761.96 | [Redacted] | $146.83 | 41.400% | 41.400% | 41.400% | [Redacted] | 783 | No | No | [Coborrower(s) - | Primary Income - Wages]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | 6.520% | $0.00 | None | No | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $243,405.26 | No | 30 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 80.56 | No | No | $0.00 | $36,741.39 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033657 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,428.13 | $21,850.23 | 8.242% | $6,498.64 | $6,498.64 | 7.990% | No | No | Self-Employed | US Citizen | $19,624.50 | 1 | [Redacted] | $14,337.24 | [Redacted] | $1,194.77 | 39.407% | 39.407% | 39.407% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $20,428.13 | 6.520% | $0.00 | 2.6 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $363,718.21 | 36.920% | No | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 05/18/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226033804 | [Redacted] | [Redacted] | Non QM | Yes | No | $26,460.00 | $0.00 | 7.732% | $18,053.59 | $18,053.59 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $247,443.50 | 1 | [Redacted] | $5,146.08 | [Redacted] | $428.84 | 15.939% | 15.939% | 15.939% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 65.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 65.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $26,460.00 | 6.530% | $474,420.09 | 4.4 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $31,500.00 | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226034255 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,306.17 | $10,991.75 | 7.825% | $1,705.97 | $1,705.97 | 7.375% | No | No | Self-Employed | US Citizen | $4,588.25 | 1 | [Redacted] | $2,520.12 | [Redacted] | $210.01 | 45.923% | 45.923% | 45.923% | [Redacted] | 651 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 22.48000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 22.48000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 22.48000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 22.48000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,306.17 | 6.570% | $0.00 | 3.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 202.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226034264 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,532.13 | $5,105.75 | 8.460% | $833.39 | $833.39 | 7.990% | No | No | Employed | US Citizen | $2,129.49 | 1 | [Redacted] | $740.04 | [Redacted] | $61.67 | 37.612% | 37.612% | 37.612% | [Redacted] | 622 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,532.13 | 6.530% | $50,000.00 | 999.0 | None | No | No | 7.990% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $25,450.10 | 14.550% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226034962 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,488.50 | $10,065.07 | 8.924% | $4,513.69 | $4,513.69 | 8.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $79,574.19 | 1 | [Redacted] | $1,428.00 | [Redacted] | $119.00 | 15.321% | 15.321% | 15.321% | [Redacted] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $22,488.50 | 6.520% | $0.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $174,331.06 | 25.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 14.66 | No | No | $0.00 | $0.00 | Yes | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035500 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,254.00 | $13,176.72 | 8.497% | $2,052.59 | $2,052.59 | 7.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $39,023.81 | 1 | [Redacted] | $1,608.96 | [Redacted] | $134.08 | 14.055% | 14.055% | 14.055% | [Redacted] | 646 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,254.00 | 6.520% | $40,000.00 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $68,508.34 | 19.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226035597 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,900.59 | 7.220% | $2,981.20 | $2,981.20 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $205,283.50 | 1 | [Redacted] | $2,713.80 | [Redacted] | $226.15 | 3.772% | 3.772% | 3.772% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 44.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.530% | $157,000.00 | 1.4 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,500.00 | 0.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.11 | Yes | No | $213,329.93 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036273 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,909.90 | $5,126.64 | 7.888% | $2,618.49 | $2,618.49 | 7.750% | No | No | Self-Employed | US Citizen | $14,883.92 | 1 | [Redacted] | $1,133.76 | [Redacted] | $94.48 | 18.040% | 18.040% | 18.040% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,909.90 | 6.530% | $2,150.00 | 1.3 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $405,000.00 | 94.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 127.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036276 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,465.00 | $8,168.48 | 7.329% | $6,651.22 | $6,651.22 | 7.250% | No | No | Employed | US Citizen | $15,231.55 | 1 | [Redacted] | $1,725.96 | [Redacted] | $143.83 | 47.626% | 47.626% | 47.626% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,465.00 | 6.490% | $0.00 | 1.3 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $96,315.46 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.68 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/26/2026 | $2,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036284 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,355.00 | $11,550.00 | 7.405% | $4,979.89 | $4,979.89 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $7,440.25 | 1 | [Redacted] | $1,943.04 | [Redacted] | $161.92 | 49.895% | 49.895% | 49.895% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $10,355.00 | 6.530% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.250% | 1 | 1 | 1 | 0 | 3 | 0 | No | [redacted] | $29,829.36 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.38 | No | No | $4,889.67 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036310 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,357.00 | $7,470.65 | 7.382% | $3,629.18 | $3,629.18 | 7.250% | No | No | Self-Employed | US Citizen | $64,323.62 | 1 | [Redacted] | $1,110.84 | [Redacted] | $92.57 | 9.318% | 9.318% | 9.318% | [Redacted] | 727 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,357.00 | 6.490% | $5,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $33,000.00 | 4.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036468 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,756.25 | $9,886.84 | 7.497% | $2,711.65 | $2,711.65 | 7.250% | No | No | Self-Employed | US Citizen | $7,824.42 | 1 | [Redacted] | $1,853.76 | [Redacted] | $154.48 | 36.475% | 36.475% | 36.475% | [Redacted] | 808 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,756.25 | 6.570% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036474 | [Redacted] | [Redacted] | N/A | No | No | $946.74 | $946.74 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $945.96 | [Redacted] | $78.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $97,036.73 | 51.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036914 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,965.00 | $3,909.86 | 7.357% | $2,387.62 | $2,387.62 | 7.250% | No | No | Self-Employed | US Citizen | $10,675.40 | 1 | [Redacted] | $1,605.96 | [Redacted] | $133.83 | 37.540% | 37.540% | 37.540% | [Redacted] | 667 | No | Yes | 12 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,965.00 | 6.510% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036917 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $3,819.35 | 7.684% | $3,972.14 | $3,976.42 | 7.636% | No | No | Employed | US Citizen | $7,755.49 | 1 | [Redacted] | $450.36 | [Redacted] | $37.53 | 44.491% | 49.607% | 44.491% | [Redacted] | 792 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.240% | $24,000.00 | 1.0 | None | Yes | No | 7.636% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $168,823.68 | 24.060% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.06 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036926 | [Redacted] | [Redacted] | N/A | No | No | $1,963.89 | $1,963.89 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,049.84 | [Redacted] | $170.82 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | 795 | 792 | 782 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.86 | [redacted] | $217,004.22 | 57.880% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036985 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,689.20 | $6,579.97 | 7.331% | $2,122.21 | $2,122.21 | 7.125% | No | No | Non-Employment Income | US Citizen | $10,362.62 | 1 | [Redacted] | $950.04 | [Redacted] | $79.17 | 28.534% | 28.534% | 28.534% | [Redacted] | 745 | No | No | [Borrower - | Primary Income - Annuity]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,689.20 | 6.530% | $0.00 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $627,333.78 | 79.910% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037008 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $1,206.00 | [Redacted] | $100.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $86,204.37 | 40.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037045 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,783.73 | $5,512.15 | 7.454% | $4,316.65 | $4,316.65 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $9,637.67 | 1 | [Redacted] | $2,265.00 | [Redacted] | $188.75 | 43.021% | 43.021% | 43.021% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,783.73 | 6.530% | $5,825.00 | 2.6 | None | No | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $265,106.37 | 31.810% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037049 | [Redacted] | [Redacted] | N/A | No | No | $3,997.55 | $3,997.55 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,790.04 | [Redacted] | $149.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $342,368.46 | 46.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037105 | [Redacted] | [Redacted] | N/A | No | No | $1,046.79 | $1,046.79 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $492.72 | [Redacted] | $41.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 681 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $1,053,952.22 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 678.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226037108 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,563.44 | $5,473.23 | 7.651% | $2,349.96 | $2,349.96 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,074.17 | 1 | [Redacted] | $3,786.96 | [Redacted] | $315.58 | 39.701% | 39.701% | 39.701% | [Redacted] | 705 | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,563.44 | 6.490% | $4,452.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $39,178.19 | 9.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.44 | Yes | No | $5,216.73 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226039883 | [Redacted] | [Redacted] | N/A | No | No | $1,497.80 | $1,497.80 | 6.875% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,382.04 | [Redacted] | $115.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $41,948.45 | 14.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226043172 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,382.00 | $503.30 | 6.749% | $3,995.36 | $3,995.36 | 6.750% | No | No | Self-Employed | US Citizen | $29,030.40 | 1 | [Redacted] | $5,760.00 | [Redacted] | $480.00 | 15.266% | 15.266% | 15.266% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,382.00 | 6.520% | $16,809.72 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $70,003.37 | 9.090% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226052759 | [Redacted] | [Redacted] | N/A | No | No | $1,085.25 | $1,085.25 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $638.04 | [Redacted] | $53.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $533,026.94 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 207.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $897,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053528 | [Redacted] | [Redacted] | N/A | No | No | $2,315.44 | $2,315.44 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $4,715.04 | [Redacted] | $392.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.63 | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 131.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053530 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,148.37 | $10,048.75 | 6.045% | $3,228.36 | $3,228.36 | 5.875% | No | No | Employed | US Citizen | $4,047.87 | 1 | [Redacted] | $1,316.88 | [Redacted] | $109.74 | 52.610% | 52.610% | 52.610% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,148.37 | 6.530% | $25,000.00 | 1.0 | None | No | No | 5.875% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $187,988.13 | 27.550% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.33 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053536 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,045.00 | $14,036.13 | 7.130% | $3,547.42 | $3,547.42 | 6.875% | No | No | Non-Employment Income | US Citizen | $8,513.89 | 1 | [Redacted] | $3,117.00 | [Redacted] | $259.75 | 38.313% | 38.313% | 38.313% | [Redacted] | 781 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Alimony]; Account Statements - 2026 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2024 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $6,045.00 | 6.490% | $200,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $627,726.26 | 84.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 115.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053539 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,684.66 | $13,690.32 | 7.176% | $2,975.89 | $2,975.89 | 6.875% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $4,630.69 | 1 | [Redacted] | $15,213.12 | [Redacted] | $1,267.76 | 53.512% | 53.512% | 53.512% | [Redacted] | 698 | No | Yes | 12 | Personal | 79.000% | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $8,684.66 | 6.520% | $0.00 | 3.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $24,166.85 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individually and as Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.46 | No | $7,866.26 | $0.00 | No | No | No | No | 1 | 360 | AE | 11/13/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053540 | [Redacted] | [Redacted] | N/A | No | No | $7,153.00 | $7,944.17 | 7.706% | $1,227.92 | $1,227.92 | 7.250% | No | No | Non-Employment Income | US Citizen | $2,485.97 | 1 | [Redacted] | $1,062.00 | [Redacted] | $88.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $7,153.00 | 6.530% | $1,500.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $402,851.16 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053541 | [Redacted] | [Redacted] | N/A | No | No | $7,618.00 | $10,163.50 | 8.988% | $1,753.12 | $1,753.12 | 8.500% | No | No | Self-Employed | US Citizen | $28,475.61 | 1 | [Redacted] | $1,497.24 | [Redacted] | $124.77 | 44.242% | 44.242% | 44.242% | [Redacted] | 663 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,618.00 | 6.530% | $0.00 | 1.3 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $24,744.73 | 8.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.42 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053542 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $4,277.50 | $4,642.93 | 8.066% | $3,793.62 | $3,793.62 | 7.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $35,579.08 | 1 | [Redacted] | $3,675.96 | [Redacted] | $306.33 | 26.468% | 26.468% | 26.468% | [Redacted] | 750 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2020 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,277.50 | 6.530% | $17,250.00 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $5,000.00 | 0.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.72 | Yes | No | $24,193.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053549 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,130.00 | $5,684.50 | 8.103% | $3,760.64 | $3,760.64 | 7.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $12,730.51 | 1 | [Redacted] | $5,194.92 | [Redacted] | $432.91 | 44.569% | 44.569% | 44.569% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,130.00 | 6.490% | $0.00 | 1.4 | DU | ApproveEligible | Yes | No | 7.990% | 1 | 1 | 1 | 0 | 3 | 0 | No | [redacted] | $166,774.83 | 29.250% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.11 | No | No | $0.00 | $5,013.94 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053552 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $3,969.28 | 7.207% | $2,991.31 | $2,991.31 | 7.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,803.63 | 1 | [Redacted] | $825.96 | [Redacted] | $68.83 | 47.055% | 47.055% | 47.055% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.520% | $2,500.00 | 2.8 | None | No | No | 7.125% | 2 | 0 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $459,768.03 | 82.100% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.04 | No | No | $5,061.21 | $0.00 | No | No | No | No | 2 | 360 | VE | 07/02/2027 | $4,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053564 | [Redacted] | [Redacted] | N/A | No | No | $18,934.26 | $7,183.16 | 7.596% | $1,677.66 | $1,809.51 | 7.636% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $6,525.02 | 1 | [Redacted] | $964.32 | [Redacted] | $80.36 | 37.860% | 39.619% | 37.860% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $18,934.26 | 6.250% | $39,000.00 | 1.0 | None | No | No | 7.636% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $36,071.28 | 9.180% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 19.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053576 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,896.00 | $7,124.30 | 8.995% | $2,308.18 | $2,308.18 | 8.750% | No | No | Self-Employed | US Citizen | $15,851.29 | 1 | [Redacted] | $3,900.00 | [Redacted] | $325.00 | 20.744% | 20.744% | 20.744% | [Redacted] | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,896.00 | 6.490% | $5,000.00 | 1.0 | None | N/A | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $22,703.42 | 6.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053948 | [Redacted] | [Redacted] | N/A | No | No | $1,298.45 | $1,298.45 | 5.750% | No | No | US Citizen | 1 | [Redacted] | $531.12 | [Redacted] | $44.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226053957 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,765.00 | $4,339.04 | 7.570% | $673.72 | $673.72 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,602.55 | 1 | [Redacted] | $1,521.96 | [Redacted] | $126.83 | 45.390% | 45.390% | 45.390% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,765.00 | 6.520% | $0.00 | 3.5 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $673,433.45 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 281.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062043 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,878.00 | $5,838.10 | 7.411% | $2,455.83 | $2,455.83 | 7.250% | No | No | Self-Employed | US Citizen | $6,811.07 | 1 | [Redacted] | $1,431.00 | [Redacted] | $119.25 | 44.578% | 44.578% | 44.578% | [Redacted] | 695 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $4,878.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $172,452.13 | 35.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062099 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,995.00 | $12,641.14 | 7.085% | $7,990.53 | $7,990.53 | 6.990% | No | Yes | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $51,828.70 | 1 | [Redacted] | $2,615.04 | [Redacted] | $217.92 | 31.029% | 31.029% | 31.029% | [Redacted] | 713 | 793 | 786 | 762 | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,995.00 | 6.490% | $7,000.00 | 3.9 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | HELOC | No | [redacted] | $47,940.00 | 2.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.84 | No | No | $75,145.86 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062231 | [Redacted] | [Redacted] | N/A | No | No | $2,149.24 | $2,149.24 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,121.04 | [Redacted] | $93.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $144,612.61 | 38.560% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062311 | [Redacted] | [Redacted] | N/A | No | No | $5,124.04 | $5,124.04 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,728.00 | [Redacted] | $144.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | 743 | 744 | 723 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.2 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $321,549.73 | 32.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062394 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,290.00 | $24,875.80 | 8.237% | $7,697.21 | $7,697.21 | 7.990% | No | No | Self-Employed | US Citizen | $8,916.78 | 1 | [Redacted] | $3,023.16 | [Redacted] | $251.93 | 49.084% | 49.084% | 49.084% | [Redacted] | 645 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $23,290.00 | 6.530% | $0.00 | 3.6 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $12,737.07 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062699 | [Redacted] | [Redacted] | N/A | No | No | $1,034.84 | $1,034.84 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,476.96 | [Redacted] | $123.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $73,929.15 | 39.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062736 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,149.40 | $8,100.40 | 7.853% | $1,187.96 | $1,187.96 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,111.25 | 1 | [Redacted] | $533.04 | [Redacted] | $44.42 | 46.462% | 46.462% | 46.462% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,149.40 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $124,734.58 | 58.010% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 04/11/2027 | $1,173,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226062845 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,359.00 | $2,799.82 | 8.715% | $2,582.26 | $2,582.26 | 8.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $11,165.81 | 1 | [Redacted] | $1,794.96 | [Redacted] | $149.58 | 29.013% | 29.013% | 29.013% | [Redacted] | 677 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,359.00 | 6.530% | $92,634.28 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,000.00 | 0.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 4.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063188 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,328.04 | 6.914% | $4,649.48 | $4,649.48 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,733.84 | 1 | [Redacted] | $4,821.12 | [Redacted] | $401.76 | 33.653% | 33.653% | 33.653% | [Redacted] | 823 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.520% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,808,193.90 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 307.03 | No | $1,953.80 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063250 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,070.00 | $4,826.90 | 8.008% | $699.21 | $699.21 | 7.500% | No | No | Not Employed | Employed | US Citizen | US Citizen | $9,698.61 | 1 | [Redacted] | $3,673.80 | [Redacted] | $306.15 | 26.483% | 26.483% | 26.483% | [Redacted] | 654 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $3,070.00 | 6.530% | $0.00 | 3.4 | None | No | No | 7.500% | 0 | 2 | 0 | 0 | 3 | 2 | 0.00 | No | [redacted] | $756,525.38 | 100.000% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 145.97 | Yes | No | $0.00 | $13,192.40 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063295 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,215.00 | $8,593.10 | 6.782% | $14,593.46 | $14,593.46 | 6.750% | No | No | Non-Employment Income | Employed | Permanent Resident Alien | Permanent Resident Alien | $17,338.04 | 1 | [Redacted] | $14,993.04 | [Redacted] | $1,249.42 | 53.557% | 53.557% | 53.557% | [Redacted] | 801 | Yes | No | [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Account Transcripts - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,215.00 | 6.520% | $0.00 | 1.1 | None | No | No | 6.750% | 0 | 2 | 2 | 0 | 3 | 3 | 0.00 | No | Other | [redacted] | $1,846,475.74 | 37.300% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 94.22 | Yes | No | $0.00 | $18,915.63 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063374 | [Redacted] | [Redacted] | N/A | No | No | $1,425.00 | $1,425.00 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $869.40 | [Redacted] | $72.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | 240 | [redacted] | $565,764.38 | 100.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 669.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063958 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,141.00 | $4,787.45 | 6.832% | $3,632.15 | $3,632.15 | 6.750% | No | No | Self-Employed | US Citizen | $47,888.68 | 1 | [Redacted] | $2,484.24 | [Redacted] | $207.02 | 10.499% | 10.499% | 10.499% | [Redacted] | 805 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,141.00 | 6.520% | $15,000.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $7,000.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 130.36 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063978 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,758.69 | $3,981.55 | 7.688% | $3,636.29 | $3,636.29 | 7.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $14,639.73 | 1 | [Redacted] | $4,885.32 | [Redacted] | $407.11 | 43.732% | 43.732% | 43.732% | [Redacted] | 764 | No | Yes | 12 | Business | 74.000% | 100.000% | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,758.69 | 6.490% | $0.00 | 1.5 | None | Yes | No | 7.625% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $534,764.59 | 78.060% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.13 | Yes | No | $19,311.48 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063985 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,636.38 | $5,108.85 | 7.571% | $1,794.37 | $1,794.37 | 7.375% | No | No | Non-Employment Income | US Citizen | $2,628.07 | 1 | [Redacted] | $1,574.04 | [Redacted] | $131.17 | 44.749% | 44.749% | 44.749% | [Redacted] | 716 | No | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,636.38 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $7,552.73 | No | 30 | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063989 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,257.80 | $3,331.27 | 7.085% | $1,972.62 | $1,972.62 | 6.990% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,814.98 | 1 | [Redacted] | $2,397.96 | [Redacted] | $199.83 | 27.416% | 27.416% | 27.416% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,257.80 | 6.570% | $0.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $306,376.36 | 54.710% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.7 | Yes | No | $2,889.13 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226063995 | [Redacted] | [Redacted] | Non QM | Yes | No | $490.00 | $1,427.74 | 9.016% | $4,453.33 | $4,453.33 | 8.990% | No | No | Self-Employed | US Citizen | $39,836.92 | 1 | [Redacted] | $1,510.56 | [Redacted] | $125.88 | 12.867% | 12.867% | 12.867% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $490.00 | 6.610% | $10,000.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $97,885.16 | 15.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064014 | [Redacted] | [Redacted] | N/A | No | No | $3,087.08 | $3,087.08 | 7.750% | No | No | 0 | US Citizen | N/A | 2 | [Redacted] | $2,145.60 | [Redacted] | $178.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [redacted] | No | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 133.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064016 | [Redacted] | [Redacted] | N/A | No | No | $3,581.43 | $3,581.43 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $4,998.00 | [Redacted] | $416.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 18 | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $434,263.21 | 62.030% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 48.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064017 | [Redacted] | [Redacted] | N/A | No | No | $1,023.15 | $1,023.15 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $949.56 | [Redacted] | $79.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.8 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $74,932.09 | No | Yes | Short Form | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064027 | [Redacted] | [Redacted] | N/A | No | No | $3,187.68 | $3,187.68 | 9.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,985.00 | [Redacted] | $248.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $939,211.93 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 224.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064045 | [Redacted] | [Redacted] | N/A | No | No | $1,657.69 | $1,657.69 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,433.04 | [Redacted] | $119.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 38.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064789 | [Redacted] | [Redacted] | N/A | No | No | $3,370.77 | $3,370.77 | 8.990% | No | No | US Citizen | 1 | [Redacted] | $917.04 | [Redacted] | $76.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 678 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.3 | N/A | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $124,802.21 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064797 | [Redacted] | [Redacted] | Non QM | Yes | No | $28,105.00 | $29,354.58 | 7.060% | $4,299.69 | $4,299.69 | 6.625% | No | No | Self-Employed | US Citizen | $16,459.18 | 1 | [Redacted] | $4,780.08 | [Redacted] | $398.34 | 25.057% | 25.057% | 25.057% | [Redacted] | 789 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $28,105.00 | 6.610% | $20,000.00 | 2.3 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $206,733.86 | 26.160% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064805 | [Redacted] | [Redacted] | N/A | No | No | $808.46 | $808.46 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,477.80 | [Redacted] | $123.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $197,339.30 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 248.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | $150,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064808 | [Redacted] | [Redacted] | N/A | No | No | $12,754.00 | $5,868.26 | 8.282% | $1,102.11 | $1,102.11 | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | $110,633.21 | 1 | [Redacted] | $2,514.00 | [Redacted] | $209.50 | 5.745% | 5.745% | 5.745% | [Redacted] | 682 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,754.00 | 6.520% | $10,000.00 | 3.3 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $3,100.00 | 1.630% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 233.54 | No | $117,377.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064817 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,588.12 | $9,215.48 | 8.042% | $1,397.87 | $1,416.55 | 7.636% | No | No | Employed | US Citizen | $3,818.92 | 1 | [Redacted] | $945.00 | [Redacted] | $78.75 | 34.525% | 34.205% | 34.525% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,588.12 | 6.080% | $4,500.00 | 1.0 | None | Yes | No | 7.636% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $75,235.48 | 30.100% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064837 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,935.40 | $3,335.20 | 7.089% | $2,068.33 | $2,068.33 | 6.990% | No | No | Employed | US Citizen | $5,576.21 | 1 | [Redacted] | $1,212.96 | [Redacted] | $101.08 | 32.828% | 32.828% | 32.828% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,935.40 | 6.490% | $11,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $551,345.80 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 195.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064840 | [Redacted] | [Redacted] | Non QM | Yes | No | $61,796.00 | $65,313.64 | 7.356% | $19,200.98 | $19,200.98 | 7.125% | No | No | Self-Employed | US Citizen | $32,492.43 | 1 | [Redacted] | $1,761.12 | [Redacted] | $146.76 | 47.008% | 47.008% | 47.008% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $61,796.00 | 6.610% | $0.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $1,994,224.93 | 52.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064850 | [Redacted] | [Redacted] | N/A | No | No | $1,091.48 | $1,091.48 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,355.36 | [Redacted] | $196.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.84 | [redacted] | $242,985.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064862 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,119.00 | $9,925.32 | 7.491% | $2,810.57 | $2,810.57 | 7.250% | No | No | Non-Employment Income | US Citizen | $5,659.69 | 1 | [Redacted] | $1,555.08 | [Redacted] | $129.59 | 49.896% | 49.896% | 49.896% | [Redacted] | 726 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $6,119.00 | 6.610% | $0.00 | 3.1 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,091,148.85 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 210.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 12/30/2026 | $14,500,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226064992 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,131.75 | $1,470.24 | 8.034% | $2,441.12 | $2,441.12 | 7.990% | No | No | Self-Employed | US Citizen | $24,568.93 | 1 | [Redacted] | $651.00 | [Redacted] | $54.25 | 34.444% | 34.444% | 34.444% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,131.75 | 6.610% | $15,319.41 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,000.00 | 1.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.95 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065000 | [Redacted] | [Redacted] | N/A | No | No | $2,037.81 | $2,037.81 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $513.84 | [Redacted] | $42.82 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.33 | [redacted] | $226,207.32 | 58.750% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065064 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,466.75 | $17,784.54 | 8.881% | $3,923.38 | $3,923.38 | 8.500% | No | No | Self-Employed | US Citizen | $7,481.88 | 2 | [Redacted] | $2,418.00 | [Redacted] | $201.50 | 45.952% | 45.952% | 45.952% | [Redacted] | 679 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $15,466.75 | 6.610% | $0.00 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065067 | [Redacted] | [Redacted] | N/A | No | No | $2,182.53 | $2,182.53 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $6,195.96 | [Redacted] | $516.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 642 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $698,448.87 | 81.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065210 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,991.00 | $7,284.38 | 7.857% | $1,609.94 | $1,712.98 | 7.886% | No | No | Non-Employment Income | US Citizen | $20,769.00 | 1 | [Redacted] | $930.36 | [Redacted] | $77.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,991.00 | 6.160% | $0.00 | 2.6 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,408,858.33 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 486.96 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065211 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,982.42 | $9,581.87 | 7.212% | $2,859.93 | $2,859.93 | 6.990% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $13,291.66 | 1 | [Redacted] | $2,200.92 | [Redacted] | $183.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $8,982.42 | 6.490% | $0.00 | 2.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $896,902.82 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 269.03 | No | $18,685.48 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065245 | [Redacted] | [Redacted] | Non QM | Yes | No | $750.00 | $2,455.34 | 6.705% | $1,755.25 | $1,755.25 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,219.02 | 1 | [Redacted] | $909.96 | [Redacted] | $75.83 | 42.414% | 42.414% | 42.414% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2010 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $750.00 | 6.610% | $0.00 | 999.0 | DU | ApproveEligible | No | No | 6.625% | 2 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $296,993.22 | 65.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065287 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,861.79 | 7.424% | $1,528.07 | $1,528.07 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $15,064.68 | 1 | [Redacted] | $1,971.96 | [Redacted] | $164.33 | 11.942% | 11.942% | 11.942% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2001 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.530% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $2,800.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065291 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,664.44 | $12,641.35 | 7.513% | $6,193.63 | $6,193.63 | 7.375% | No | No | Self-Employed | US Citizen | $197,609.88 | 1 | [Redacted] | $4,919.16 | [Redacted] | $409.93 | 5.902% | 5.902% | 5.902% | [Redacted] | 798 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,664.44 | 6.530% | $0.00 | 1.2 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,010,061.42 | 95.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 148.94 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/24/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065483 | [Redacted] | [Redacted] | N/A | No | No | $1,699.27 | $1,699.27 | 8.750% | No | No | US Citizen | 3 | [Redacted] | $2,093.28 | [Redacted] | $174.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | $341,482.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065632 | [Redacted] | [Redacted] | N/A | No | No | $31,625.77 | $5,071.34 | 7.452% | $3,658.30 | $3,900.07 | 7.636% | No | No | Employed | US Citizen | $21,739.68 | 1 | [Redacted] | $2,606.28 | [Redacted] | $217.19 | 39.174% | 40.417% | 39.174% | [Redacted] | 823 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $31,625.77 | 6.270% | $0.00 | 3.0 | None | No | No | 7.636% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,330,673.42 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.33 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | 05/22/2027 | $15,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065793 | [Redacted] | [Redacted] | N/A | No | No | $4,815.14 | $4,815.14 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $3,348.00 | [Redacted] | $279.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [redacted] | $311,452.09 | 33.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065810 | [Redacted] | [Redacted] | N/A | No | No | $1,778.80 | $1,778.80 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $1,871.04 | [Redacted] | $155.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.52 | [redacted] | $128,612.86 | 40.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065813 | [Redacted] | [Redacted] | N/A | No | No | $1,347.44 | $1,347.44 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,938.96 | [Redacted] | $161.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $29,467.75 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 129.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065816 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,559.00 | $14,353.92 | 8.641% | $4,469.22 | $4,469.22 | 8.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $10,012.70 | 1 | [Redacted] | $3,755.04 | [Redacted] | $312.92 | 49.416% | 49.416% | 49.416% | [Redacted] | 642 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,559.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 2 | 2 | 0 | 2 | 2 | 5.97 | No | [redacted] | $39,984.31 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.82 | No | $0.00 | $9,893.25 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065824 | [Redacted] | [Redacted] | N/A | No | No | $689.78 | $689.78 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $558.48 | [Redacted] | $46.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.29 | 0.43 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | No | 146.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065877 | [Redacted] | [Redacted] | N/A | No | No | $32,382.00 | $11,405.56 | 7.250% | $2,924.38 | $2,924.38 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $9,881.43 | 1 | [Redacted] | $2,924.40 | [Redacted] | $243.70 | 40.234% | 40.234% | 40.234% | [Redacted] | 797 | No | Yes | 60 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2018 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $32,382.00 | 6.490% | $0.00 | 4.7 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $159,654.12 | 29.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 7.62 | No | No | $2,097.20 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065884 | [Redacted] | [Redacted] | N/A | No | No | $2,844.31 | $2,844.31 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $5,335.08 | [Redacted] | $444.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.58 | 1.72 | [redacted] | $353,048.14 | 58.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.46 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066046 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $2,609.03 | 7.302% | $3,356.31 | $3,356.31 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $23,236.78 | 1 | [Redacted] | $3,408.00 | [Redacted] | $284.00 | 23.961% | 23.961% | 23.961% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.520% | $750.00 | 1.2 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $378,073.02 | 61.470% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.94 | No | No | $0.00 | $23,559.09 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066051 | [Redacted] | [Redacted] | N/A | No | No | $8,311.11 | $8,311.11 | 5.875% | No | No | US Citizen | 1 | [Redacted] | $2,919.00 | [Redacted] | $243.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [redacted] | $373,031.49 | 13.270% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066053 | [Redacted] | [Redacted] | N/A | No | No | $6,467.70 | $6,467.70 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $2,643.00 | [Redacted] | $220.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $1,255,853.77 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 126.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066088 | [Redacted] | [Redacted] | N/A | No | No | $2,045.33 | $2,045.33 | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,659.00 | [Redacted] | $138.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [redacted] | $382,200.37 | 80.480% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066145 | [Redacted] | [Redacted] | N/A | No | No | $1,515.87 | $1,515.87 | 7.125% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $1,515.00 | [Redacted] | $126.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $205,209.46 | 68.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066201 | [Redacted] | [Redacted] | N/A | No | No | $13,301.99 | $13,301.99 | 7.250% | No | No | US Citizen | 4 | [Redacted] | $6,907.92 | [Redacted] | $575.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | $600,000.00 | 20.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066361 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,000.00 | $20,047.19 | 7.119% | $5,255.44 | $5,255.44 | 6.875% | No | No | Self-Employed | US Citizen | $14,502.47 | 1 | [Redacted] | $3,237.96 | [Redacted] | $269.83 | 35.971% | 35.971% | 35.971% | [Redacted] | 756 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $20,000.00 | 6.520% | $1,525.00 | 1.7 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $420,015.62 | 35.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066363 | [Redacted] | [Redacted] | N/A | No | No | $1,337.25 | $1,337.25 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,146.96 | [Redacted] | $95.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 8.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066508 | [Redacted] | [Redacted] | N/A | No | No | $2,912.11 | $2,912.11 | 7.990% | No | No | Foreign National | 1 | [Redacted] | $593.04 | [Redacted] | $49.42 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.5 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.41 | [redacted] | $202,120.35 | 35.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 11.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066824 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,873.49 | $4,442.53 | 10.205% | $1,397.43 | $1,397.43 | 9.875% | No | No | Employed | US Citizen | $4,140.17 | 1 | [Redacted] | $1,551.96 | [Redacted] | $129.33 | 29.824% | 29.824% | 29.824% | [Redacted] | 646 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $3,873.49 | 6.520% | $3,000.00 | 2.3 | None | No | No | 9.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $145,549.14 | 63.300% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066827 | [Redacted] | [Redacted] | N/A | No | No | $858.30 | $858.30 | 5.625% | No | No | US Citizen | 1 | [Redacted] | $1,176.60 | [Redacted] | $98.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | Yes | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.1 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226066963 | [Redacted] | [Redacted] | N/A | No | No | $1,851.21 | $1,851.21 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,919.40 | [Redacted] | $159.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $91,133.31 | 28.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.49 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067014 | [Redacted] | [Redacted] | N/A | No | No | $727.62 | $727.62 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $421.68 | [Redacted] | $35.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $130,535.09 | 82.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.63 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067313 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,852.16 | 7.526% | $6,432.77 | $6,432.77 | 7.500% | No | No | Self-Employed | US Citizen | $536,193.67 | 1 | [Redacted] | $14,428.08 | [Redacted] | $1,202.34 | 2.647% | 2.647% | 2.647% | [Redacted] | 711 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.610% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $100,093.87 | 8.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/03/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067315 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,365.00 | $4,767.71 | 7.398% | $2,148.86 | $2,148.86 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,674.51 | 1 | [Redacted] | $600.00 | [Redacted] | $50.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,365.00 | 6.610% | $0.00 | 1.1 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $750,548.21 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 189.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067318 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,190.00 | $14,313.78 | 7.188% | $4,685.65 | $4,685.65 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $19,299.24 | 1 | [Redacted] | $3,213.00 | [Redacted] | $267.75 | 23.383% | 23.383% | 23.383% | [Redacted] | 758 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $10,190.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 25.00 | No | [redacted] | $108,012.55 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | No | 13.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067328 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,158.00 | $6,148.16 | 7.424% | $957.07 | $957.07 | 6.990% | No | No | Self-Employed | US Citizen | $2,067.61 | 1 | [Redacted] | $1,222.80 | [Redacted] | $101.90 | 45.849% | 45.849% | 45.849% | [Redacted] | 811 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2019 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,158.00 | 6.610% | $400.00 | 1.0 | None | No | No | 6.990% | 0 | 1 | 0 | 3 | 1 | 6.70 | No | Other | [redacted] | $207,496.94 | 86.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.77 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067330 | [Redacted] | [Redacted] | Non QM | Yes | No | $31,725.00 | $35,169.60 | 7.642% | $13,629.33 | $14,683.73 | 7.886% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $68,458.07 | 2 | [Redacted] | $9,096.00 | [Redacted] | $758.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $31,725.00 | 6.080% | $0.00 | None | No | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $5,164,868.13 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 276.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067333 | [Redacted] | [Redacted] | N/A | No | No | $3,711.52 | $4,027.16 | 7.999% | $801.58 | $801.58 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $6,087.20 | 1 | [Redacted] | $675.00 | [Redacted] | $56.25 | 45.939% | 45.939% | 45.939% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,711.52 | 6.520% | $8,500.00 | 2.6 | None | No | No | 7.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $159,686.34 | 100.000% | No | 30 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.12 | No | No | $0.00 | $6,070.57 | No | No | No | No | 2 | 360 | AE | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067339 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,145.00 | $6,405.67 | 6.883% | $2,951.12 | $2,951.12 | 6.750% | No | No | Employed | US Citizen | $6,250.72 | 1 | [Redacted] | $1,152.60 | [Redacted] | $96.05 | 48.796% | 48.796% | 48.796% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,145.00 | 6.530% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.750% | 1 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $86,969.22 | 9.500% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 126.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067343 | [Redacted] | [Redacted] | N/A | No | No | $1,038.74 | $1,038.74 | 6.375% | No | No | US Citizen | 3 | [Redacted] | $4,412.28 | [Redacted] | $367.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.55 | [redacted] | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067345 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,949.05 | 7.208% | $2,760.42 | $4,056.24 | 7.592% | No | No | Non-Employment Income | US Citizen | $16,893.86 | 1 | [Redacted] | $1,475.64 | [Redacted] | $122.97 | 35.968% | 31.056% | 35.968% | [Redacted] | 783 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.080% | $0.00 | 2.1 | None | No | No | 7.592% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,689,058.14 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 477.74 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067349 | [Redacted] | [Redacted] | Non QM | Yes | No | $622.30 | $1,063.59 | 8.284% | $2,724.84 | $2,724.84 | 8.250% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $6,908.59 | 1 | [Redacted] | $1,728.00 | [Redacted] | $144.00 | 35.875% | 35.875% | 35.875% | [Redacted] | 758 | Yes | Yes | 12 | Business | 66.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [redacted] | $622.30 | 6.530% | $0.00 | 3.0 | None | No | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $115,255.53 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 36.53 | No | No | $3,213.92 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067350 | [Redacted] | [Redacted] | N/A | No | No | $1,566.28 | $1,566.28 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $661.32 | [Redacted] | $55.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $1,000.00 | 0.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 104.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067542 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,808.60 | $16,477.40 | 8.173% | $2,579.08 | $2,579.08 | 7.750% | No | No | Employed | Employed | Employed | 0.96 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | $6,846.47 | 1 | [Redacted] | $1,440.96 | [Redacted] | $120.08 | 41.055% | 41.055% | 41.055% | [Redacted] | 744 | 772 | 768 | 760 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,808.60 | 6.530% | $0.00 | 1.4 | None | No | No | 7.750% | 1 | 1 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $13,420.41 | No | 25 | 16 | 10 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | Employment Authorization | No | 4.75 | No | $0.00 | $8,082.11 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067547 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $1,536.53 | 7.028% | $2,558.83 | $2,558.83 | 6.990% | No | No | Employed | US Citizen | $9,890.86 | 1 | [Redacted] | $1,157.04 | [Redacted] | $96.42 | 37.826% | 37.826% | 37.826% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.530% | $0.00 | 1.4 | LP / LPA | Accept/Eligible | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079803 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,790.00 | $5,232.30 | 7.667% | $2,237.49 | $2,237.49 | 7.500% | No | No | Self-Employed | US Citizen | $5,543.30 | 1 | [Redacted] | $1,875.96 | [Redacted] | $156.33 | 42.412% | 42.412% | 42.412% | [Redacted] | 681 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $4,790.00 | 6.490% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.500% | 1 | 1 | 0 | 2 | 0 | No | [redacted] | $121.68 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079842 | [Redacted] | [Redacted] | N/A | No | No | $1,970.06 | $1,970.06 | 6.750% | No | No | Foreign National | 1 | [Redacted] | $717.12 | [Redacted] | $59.76 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $150,908.61 | 37.260% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 14.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079846 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.00 | $7,613.86 | 7.340% | $1,262.80 | $1,262.80 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,727.42 | 1 | [Redacted] | $7,413.00 | [Redacted] | $617.75 | 48.511% | 48.511% | 48.511% | [Redacted] | 723 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $3,790.00 | 6.490% | $0.00 | 3.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $441,892.58 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.14 | No | $7,085.33 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226079872 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,813.72 | 7.155% | $6,063.47 | $6,063.47 | 7.125% | No | No | Self-Employed | US Citizen | $13,533.29 | 1 | [Redacted] | $2,715.00 | [Redacted] | $226.25 | 44.155% | 44.155% | 44.155% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.640% | $69,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080086 | [Redacted] | [Redacted] | N/A | No | No | $1,038.74 | $1,038.74 | 6.375% | No | No | US Citizen | 3 | [Redacted] | $4,370.28 | [Redacted] | $364.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.58 | [redacted] | $63,433.50 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080172 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,015.00 | $13,217.35 | 7.382% | $1,993.89 | $1,993.89 | 6.990% | No | No | Employed | US Citizen | $2,998.07 | 3 | [Redacted] | $1,656.00 | [Redacted] | $138.00 | 49.683% | 49.683% | 49.683% | [Redacted] | 621 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,015.00 | 6.490% | $0.00 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080188 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,557.38 | $14,597.91 | 9.148% | $4,721.11 | $4,721.11 | 8.875% | No | No | Self-Employed | Permanent Resident Alien | $9,589.58 | 1 | [Redacted] | $1,041.60 | [Redacted] | $86.80 | 39.499% | 39.499% | 39.499% | [Redacted] | 716 | No | Yes | 24 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,557.38 | 6.530% | $20,000.00 | 1.1 | None | N/A | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 6.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080191 | [Redacted] | [Redacted] | N/A | No | No | $1,426.92 | $1,426.92 | 6.750% | No | No | 0 | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $1,408.92 | [Redacted] | $117.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 83.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080194 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,121.25 | $167.11 | 6.876% | $3,448.88 | $3,448.88 | 6.875% | No | No | Self-Employed | US Citizen | $12,219.56 | 1 | [Redacted] | $3,627.96 | [Redacted] | $302.33 | 38.599% | 38.599% | 38.599% | [Redacted] | 806 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,121.25 | 6.610% | $192,000.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $224,948.04 | 29.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.63 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080341 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,102.50 | $19,189.41 | 8.272% | $5,314.74 | $5,314.74 | 7.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,216.32 | 1 | [Redacted] | $2,131.92 | [Redacted] | $177.66 | 25.264% | 25.264% | 25.264% | [Redacted] | 679 | No | Yes | 24 | Business | 100.000% | 28.000% | 28.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 28.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 28.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 28.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $18,102.50 | 6.610% | $0.00 | 3.5 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $249,365.69 | 26.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 9.08 | No | No | $15,532.15 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080673 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $10,625.80 | 7.378% | $10,755.21 | $12,086.82 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $24,489.96 | 1 | [Redacted] | $1,417.80 | [Redacted] | $118.15 | 37.482% | 34.082% | 37.482% | [Redacted] | 738 | No | Yes | 12 | Business | 74.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.610% | $0.00 | 3.9 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 360 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.41 | No | $0.00 | $10,001.33 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080740 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,140.00 | $1,275.74 | 6.890% | $4,440.84 | $4,440.84 | 6.875% | No | No | Self-Employed | US Citizen | $29,930.99 | 1 | [Redacted] | $2,580.00 | [Redacted] | $215.00 | 17.213% | 17.213% | 17.213% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,140.00 | 6.490% | $12,330.00 | 3.2 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $46,868.35 | 5.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081055 | [Redacted] | [Redacted] | N/A | No | No | $89,406.40 | $27,221.61 | 7.630% | $10,191.05 | $10,191.05 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $231,330.12 | 2 | [Redacted] | $12,471.96 | [Redacted] | $1,039.33 | 28.082% | 28.082% | 28.082% | [Redacted] | 743 | No | Yes | 24 | Business | 100.000% | 70.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $89,406.40 | 6.610% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | No | 115.7 | No | No | $321,656.82 | $0.00 | No | No | No | No | 12 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081150 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $8,492.54 | 7.258% | $1,754.63 | $1,754.63 | 6.990% | No | No | Non-Employment Income | US Citizen | $4,274.91 | 1 | [Redacted] | $1,338.96 | [Redacted] | $111.58 | 40.746% | 40.746% | 40.746% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.530% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $584,830.56 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 206.2 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081200 | [Redacted] | [Redacted] | N/A | No | No | $2,174.44 | $2,174.44 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,183.04 | [Redacted] | $181.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.74 | 1.33 | [redacted] | $110,978.17 | 26.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 4.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081223 | [Redacted] | [Redacted] | N/A | No | No | $771.75 | $771.75 | 8.990% | No | No | US Citizen | 1 | [Redacted] | $734.04 | [Redacted] | $61.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226081513 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $5,511.74 | 7.669% | $3,356.31 | $3,571.13 | 7.886% | No | Yes | Not Employed | Non-Employment Income | US Citizen | US Citizen | $66,393.96 | 1 | [Redacted] | $2,955.00 | [Redacted] | $246.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 676 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,795.00 | 6.240% | $0.00 | 1.0 | None | N/A | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $4,009,873.59 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 980.76 | Yes | No | $80,801.42 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084203 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,500.50 | $1,812.97 | 7.551% | $2,252.87 | $2,252.87 | 7.500% | No | No | Self-Employed | US Citizen | $6,189.81 | 1 | [Redacted] | $879.96 | [Redacted] | $73.33 | 30.373% | 30.373% | 30.373% | [Redacted] | 772 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,500.50 | 6.490% | $16,020.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $54,599.30 | 15.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084205 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,240.00 | $7,994.42 | 7.478% | $1,347.44 | $1,347.44 | 7.125% | No | No | Self-Employed | US Citizen | $2,451.25 | 1 | [Redacted] | $3,317.88 | [Redacted] | $276.49 | 47.407% | 47.407% | 47.407% | [Redacted] | 663 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,240.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 30.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084408 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,266.10 | $0.00 | 6.450% | $4,430.80 | $4,430.80 | 6.500% | No | No | Employed | US Citizen | $7,486.41 | 1 | [Redacted] | $2,175.72 | [Redacted] | $181.31 | 47.155% | 47.155% | 47.155% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,266.10 | 6.490% | $43,649.52 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,110,703.42 | 88.500% | No | 5 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.76 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084410 | [Redacted] | [Redacted] | N/A | No | No | $1,025.71 | $1,025.71 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $756.96 | [Redacted] | $63.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [redacted] | $81,436.84 | 46.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084612 | [Redacted] | [Redacted] | N/A | No | No | $1,206.31 | $1,206.31 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $918.00 | [Redacted] | $76.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [redacted] | $3,126.91 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 121.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084676 | [Redacted] | [Redacted] | N/A | No | No | $3,111.91 | $3,111.91 | 6.625% | No | No | US Citizen | 2 | [Redacted] | $2,319.96 | [Redacted] | $193.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $194,768.88 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084781 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,013.00 | $7,649.26 | 7.409% | $14,968.31 | $14,968.31 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $25,280.14 | 1 | [Redacted] | $3,293.04 | [Redacted] | $274.42 | 49.235% | 49.235% | 49.235% | [Redacted] | 765 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,013.00 | 6.490% | $36,761.88 | 1.0 | None | No | No | 7.375% | 2 | 1 | 1 | 0 | 2 | 2 | 5.00 | No | [redacted] | $905,058.19 | 33.400% | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.1 | Yes | No | $0.00 | $18,302.90 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084785 | [Redacted] | [Redacted] | N/A | No | No | $7,754.25 | $10,315.05 | 7.514% | $2,244.36 | $2,244.36 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $661,007.87 | 1 | [Redacted] | $3,491.04 | [Redacted] | $290.92 | 20.867% | 20.867% | 20.867% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,754.25 | 6.610% | $0.00 | 1.2 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $763,565.97 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 277.5 | No | No | $835,313.05 | $0.00 | No | No | No | No | 17 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084818 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,560.00 | $13,050.11 | 7.710% | $4,474.97 | $4,474.97 | 7.500% | No | No | Employed | Employed | Employed | Employed | 2 | 4.13 | US Citizen | Non-Permanent Resident Alien | US Citizen | Non-Permanent Resident Alien | Mexico | Mexico | $7,380.07 | 1 | [Redacted] | $1,695.24 | [Redacted] | $141.27 | 48.996% | 48.996% | 48.996% | [Redacted] | 701 | 669 | 665 | 655 | 680 | 716 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,560.00 | 6.490% | $5,000.00 | 1.6 | None | No | No | 7.500% | 3 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $197,860.12 | 24.730% | No | 30 | 29 | 22 | 6 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 4.74 | No | $0.00 | $10,256.70 | No | No | No | Yes | 1 | 360 | AE | 07/31/2027 | $369,117.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084898 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,538.90 | 6.584% | $3,476.37 | $3,476.37 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $8,810.79 | 1 | [Redacted] | $1,980.00 | [Redacted] | $165.00 | 38.708% | 38.708% | 38.708% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.490% | $0.00 | 1.3 | None | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $508,373.05 | 67.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084902 | [Redacted] | [Redacted] | N/A | No | No | $6,290.85 | $6,290.85 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,715.96 | [Redacted] | $226.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $139,707.73 | 11.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084903 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,495.00 | $4,277.88 | 6.876% | $2,205.23 | $2,205.23 | 6.750% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $3,163.22 | 1 | [Redacted] | $1,961.52 | [Redacted] | $163.46 | 48.301% | 48.301% | 48.301% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,495.00 | 6.530% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $54,760.72 | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | No | 8.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084904 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,430.00 | $18,462.03 | 7.622% | $5,193.88 | $5,193.88 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,870.37 | 1 | [Redacted] | $1,953.96 | [Redacted] | $162.83 | 40.778% | 40.778% | 40.778% | [Redacted] | 710 | No | Yes | 12 | Business | 86.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,430.00 | 6.520% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $70,007.72 | 7.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.15 | Yes | No | $0.00 | $4,518.90 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084929 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,984.80 | $18,437.39 | 7.159% | $7,204.60 | $7,204.60 | 6.990% | No | No | Self-Employed | US Citizen | $168,707.58 | 1 | [Redacted] | $2,429.04 | [Redacted] | $202.42 | 5.297% | 5.297% | 5.297% | [Redacted] | 717 | No | Yes | 12 | Business | 100.000% | 40.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,984.80 | 6.610% | $0.00 | 3.1 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $268,164.18 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084942 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,414.34 | $8,860.96 | 8.141% | $2,064.64 | $2,064.64 | 7.875% | No | No | Self-Employed | US Citizen | $4,483.90 | 1 | [Redacted] | $1,009.32 | [Redacted] | $84.11 | 48.512% | 48.512% | 48.512% | [Redacted] | 716 | No | Yes | 12 | Business | 77.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,414.34 | 6.610% | $3,000.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $86,155.34 | 25.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.99 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226084947 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,021.00 | $11,150.56 | 9.025% | $2,808.52 | $2,808.52 | 8.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $39,142.93 | 1 | [Redacted] | $1,212.00 | [Redacted] | $101.00 | 18.396% | 18.396% | 18.396% | [Redacted] | 691 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $8,021.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $14,655.13 | 3.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.49 | No | No | $47,967.10 | $0.00 | No | No | No | No | 3 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085049 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,444.50 | $12,874.84 | 7.130% | $4,399.86 | $4,399.86 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | $69,690.57 | 1 | [Redacted] | $1,791.96 | [Redacted] | $149.33 | 6.608% | 6.608% | 6.608% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,444.50 | 6.490% | $0.00 | 1.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $95,519.73 | 11.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.2 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085111 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,745.00 | $4,163.94 | 7.372% | $1,609.94 | $1,609.94 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $19,294.80 | 1 | [Redacted] | $1,446.96 | [Redacted] | $120.58 | 16.332% | 16.332% | 16.332% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,745.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 2 | 0 | 3 | 1 | 12 | 0.00 | No | [redacted] | $5,000.00 | 1.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.73 | No | No | $23,061.08 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085115 | [Redacted] | [Redacted] | N/A | No | No | $2,447.50 | $2,447.50 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $879.96 | [Redacted] | $73.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $114,653.82 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085116 | [Redacted] | [Redacted] | N/A | No | No | $2,970.90 | $2,970.90 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,148.04 | [Redacted] | $95.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | [redacted] | $114,653.82 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085117 | [Redacted] | [Redacted] | N/A | No | No | $841.42 | $841.42 | 8.250% | No | No | US Citizen | 2 | [Redacted] | $1,668.00 | [Redacted] | $139.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.55 | [redacted] | $2,550.00 | 1.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085121 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,515.38 | 8.924% | $4,289.32 | $4,289.32 | 8.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $45,065.94 | 1 | [Redacted] | $1,695.00 | [Redacted] | $141.25 | 14.229% | 15.609% | 14.229% | [Redacted] | 720 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.240% | $13,290.00 | 2.6 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 11.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085128 | [Redacted] | [Redacted] | N/A | No | No | $1,000.27 | $1,000.27 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $433.20 | [Redacted] | $36.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 681 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $1,053,453.22 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 683.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085130 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,617.00 | $13,932.13 | 7.156% | $4,173.88 | $4,173.88 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $19,500.73 | 1 | [Redacted] | $1,022.04 | [Redacted] | $85.17 | 26.833% | 26.833% | 26.833% | [Redacted] | 743 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,617.00 | 6.610% | $7,000.00 | 1.2 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $209,415.91 | 26.670% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085131 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,230.00 | $19,636.69 | 7.253% | $9,971.03 | $9,971.03 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $51,421.56 | 1 | [Redacted] | $11,133.12 | [Redacted] | $927.76 | 29.697% | 29.697% | 29.697% | [Redacted] | 732 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,230.00 | 6.530% | $20,000.00 | 1.9 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $484,416.45 | 26.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.85 | Yes | No | $36,571.32 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085138 | [Redacted] | [Redacted] | N/A | No | No | $4,250.00 | $5,195.40 | 7.622% | $982.33 | $982.33 | 7.250% | No | No | Not Employed | Not Employed | Self-Employed | 5.99 | US Citizen | US Citizen | $7,468.27 | 1 | [Redacted] | $1,383.00 | [Redacted] | $115.25 | 42.525% | 42.525% | 42.525% | [Redacted] | 708 | 656 | 756 | 708 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,250.00 | 6.490% | $3,000.00 | 1.5 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,000.00 | 2.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.3 | No | No | $12,993.83 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085139 | [Redacted] | [Redacted] | N/A | No | No | $2,427.56 | $2,427.56 | 6.990% | No | No | 0 | Not Provided | US Citizen | 1 | [Redacted] | $909.96 | [Redacted] | $75.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $114,653.82 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085141 | [Redacted] | [Redacted] | N/A | No | No | $1,110.49 | $1,110.49 | 6.375% | No | No | US Citizen | 2 | [Redacted] | $3,388.44 | [Redacted] | $282.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [redacted] | $63,433.50 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085144 | [Redacted] | [Redacted] | N/A | No | No | $3,736.28 | $3,736.28 | 6.875% | No | No | US Citizen | 3 | [Redacted] | $5,397.60 | [Redacted] | $449.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085145 | [Redacted] | [Redacted] | N/A | No | No | $3,433.67 | $3,433.67 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $696.00 | [Redacted] | $58.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 633 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 999.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $771,437.04 | 91.950% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 65.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085169 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,345.00 | $11,156.48 | 8.158% | $3,074.29 | $3,074.29 | 7.875% | No | No | Self-Employed | US Citizen | $30,261.13 | 2 | [Redacted] | $1,739.04 | [Redacted] | $144.92 | 17.016% | 17.016% | 17.016% | [Redacted] | 625 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,345.00 | 6.610% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $63,970.28 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.35 | Retail | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085179 | [Redacted] | [Redacted] | N/A | No | No | $946.52 | $946.52 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $165.00 | [Redacted] | $13.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $118,852.34 | 64.240% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085305 | [Redacted] | [Redacted] | N/A | No | No | $62,159.70 | $17,628.57 | 7.572% | $6,285.14 | $6,285.14 | 7.375% | No | No | Self-Employed | US Citizen | $18,466.19 | 1 | [Redacted] | $5,103.00 | [Redacted] | $425.25 | 28.634% | 28.634% | 28.634% | [Redacted] | 744 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $62,159.70 | 6.490% | $0.00 | 2.7 | None | No | No | 7.375% | 0 | 2 | 0 | 2 | 2 | 4.97 | No | [redacted] | $178,263.44 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.53 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226089660 | [Redacted] | [Redacted] | N/A | No | No | $673.72 | $673.72 | 7.125% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,329.96 | [Redacted] | $110.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226089824 | [Redacted] | [Redacted] | N/A | No | No | $772.20 | $772.20 | 7.875% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $828.96 | [Redacted] | $69.08 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.8 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $1,500.00 | 1.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 20.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226089909 | [Redacted] | [Redacted] | N/A | No | No | $1,328.10 | $1,328.10 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $708.84 | [Redacted] | $59.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | 240 | [redacted] | $138,170.24 | 48.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 195.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226090105 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,965.00 | $15,356.28 | 7.564% | $1,674.87 | $1,674.87 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $102,031.50 | 1 | [Redacted] | $642.24 | [Redacted] | $53.52 | 16.687% | 16.687% | 16.687% | [Redacted] | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,965.00 | 6.640% | $1,000.00 | 2.2 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $305,777.57 | 84.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 85.7 | No | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226090133 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,080.00 | $12,334.14 | 8.095% | $3,328.07 | $3,328.07 | 7.875% | No | No | Self-Employed | US Citizen | $8,079.34 | 1 | [Redacted] | $1,790.04 | [Redacted] | $149.17 | 42.895% | 42.895% | 42.895% | [Redacted] | 762 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,080.00 | 6.530% | $0.00 | 1.3 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $187,436.67 | 36.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226091085 | [Redacted] | [Redacted] | N/A | No | No | $2,905.41 | $2,905.41 | 7.125% | No | No | US Citizen | 4 | [Redacted] | $2,598.12 | [Redacted] | $216.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $393,773.55 | 68.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226092817 | [Redacted] | [Redacted] | N/A | No | No | $1,517.51 | $1,517.51 | 6.875% | No | No | 0 | US Citizen | 3 | [Redacted] | $2,751.72 | [Redacted] | $229.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.24 | 0.44 | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226092823 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,502.00 | $3,334.98 | 8.002% | $1,972.19 | $1,972.19 | 7.875% | No | No | Self-Employed | US Citizen | $8,861.45 | 1 | [Redacted] | $3,555.00 | [Redacted] | $296.25 | 25.796% | 25.796% | 25.796% | [Redacted] | 681 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,502.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $13,845.45 | 4.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.34 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226093853 | [Redacted] | [Redacted] | N/A | No | No | $984.21 | $984.21 | 7.375% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,465.20 | [Redacted] | $122.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 670 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $90,386.79 | 47.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226094804 | [Redacted] | [Redacted] | N/A | No | No | $1,094.03 | $1,094.03 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,419.00 | [Redacted] | $118.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226094837 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,795.00 | $6,826.88 | 7.169% | $2,459.13 | $2,459.13 | 6.990% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $8,021.12 | 1 | [Redacted] | $4,890.72 | [Redacted] | $407.56 | 42.870% | 42.870% | 42.870% | [Redacted] | 761 | No | No | [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $5,795.00 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $494,872.77 | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 235.15 | No | $14,040.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226094838 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,049.00 | $14,291.51 | 7.890% | $3,981.34 | $3,981.34 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $33,660.67 | 1 | [Redacted] | $1,820.04 | [Redacted] | $151.67 | 31.090% | 31.090% | 31.090% | [Redacted] | 792 | No | Yes | 12 | Business | 85.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,049.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $44,200.96 | 7.070% | No | 24 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.73 | No | $0.00 | $7,563.49 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226095003 | [Redacted] | [Redacted] | N/A | No | No | $1,442.13 | $1,442.13 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,947.00 | [Redacted] | $162.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 666 | No | No | DSCR | 7 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $350,678.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 141.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226095024 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,975.00 | $26,654.44 | 7.652% | $4,093.06 | $4,093.06 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $46,756.26 | 1 | [Redacted] | $2,436.00 | [Redacted] | $203.00 | 18.470% | 18.470% | 18.470% | [Redacted] | 774 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | [Redacted] | 0 | 0 | 0 | [redacted] | $17,975.00 | 6.610% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $246,110.33 | 32.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.05 | No | $26,642.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226095602 | [Redacted] | [Redacted] | N/A | No | No | $8,703.12 | $11,816.22 | 9.235% | $2,427.85 | $2,427.85 | 8.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $4,872.79 | 1 | [Redacted] | $1,434.84 | [Redacted] | $119.57 | 44.321% | 44.321% | 44.321% | [Redacted] | 779 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $8,703.12 | 6.520% | $20,000.00 | 2.6 | None | Yes | No | 8.875% | 0 | 1 | 2 | 0 | 3 | 3 | 0.00 | No | Other | [redacted] | $311,007.19 | 86.630% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.03 | No | No | $0.00 | $4,258.11 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226096650 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,406.83 | $3,736.41 | 7.294% | $700.50 | $700.50 | 6.990% | No | No | Employed | US Citizen | $5,150.80 | 1 | [Redacted] | $1,038.00 | [Redacted] | $86.50 | 27.733% | 27.733% | 27.733% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,406.83 | 6.490% | $1,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $658,296.10 | 100.000% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 376.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226097400 | [Redacted] | [Redacted] | N/A | No | No | $1,490.00 | $2,264.69 | 7.068% | $1,887.55 | $1,887.55 | 6.990% | No | No | Employed | US Citizen | $27,125.45 | 1 | [Redacted] | $2,066.04 | [Redacted] | $172.17 | 37.999% | 37.999% | 37.999% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.530% | $0.00 | 2.2 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $281,490.61 | 79.290% | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 75.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226097511 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.00 | $6,497.29 | 7.081% | $2,924.38 | $2,924.38 | 6.990% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $21,825.86 | 1 | [Redacted] | $908.04 | [Redacted] | $75.67 | 23.673% | 23.673% | 23.673% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,790.00 | 6.490% | $10,000.00 | 1.0 | None | Yes | No | 6.990% | 3 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,380,532.42 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 470.31 | No | No | $23,595.21 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098295 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,294.00 | $18,371.62 | 7.031% | $5,780.97 | $5,780.97 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $32,404.35 | 1 | [Redacted] | $1,955.04 | [Redacted] | $162.92 | 25.924% | 25.924% | 25.924% | [Redacted] | 725 | No | Yes | 36 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,294.00 | 6.260% | $0.00 | 1.7 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $388,864.87 | 32.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.87 | No | $10,959.42 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098304 | [Redacted] | [Redacted] | N/A | No | No | $10,635.00 | $0.00 | 6.998% | $1,783.01 | $1,783.01 | 7.000% | No | No | Employed | US Citizen | $5,811.54 | 2 | [Redacted] | $1,944.84 | [Redacted] | $162.07 | 42.430% | 42.430% | 42.430% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,635.00 | 6.610% | $20,000.00 | None | No | No | 7.000% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $69,851.43 | 20.850% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098305 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,906.00 | $12,337.50 | 8.148% | $4,336.83 | $4,336.83 | 7.990% | No | No | Employed | Employed | US Citizen | US Citizen | $6,620.06 | 1 | [Redacted] | $1,238.04 | [Redacted] | $103.17 | 44.173% | 44.173% | 44.173% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; VVOE - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Other - 2026 [Coborrower(s) - | Primary Income - Projected Income]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,906.00 | 6.520% | $17,000.00 | 2.3 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $337,610.40 | 48.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.31 | Yes | No | $5,858.58 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098628 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,952.50 | $15,014.24 | 7.034% | $6,024.04 | $6,024.04 | 6.875% | No | No | Self-Employed | US Citizen | $233,692.50 | 1 | [Redacted] | $4,341.96 | [Redacted] | $361.83 | 7.038% | 7.038% | 7.038% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,952.50 | 6.610% | $0.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $350,735.18 | 26.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.26 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098631 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,364.00 | $600.00 | 7.702% | $2,858.89 | $2,858.89 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $13,513.42 | 1 | [Redacted] | $3,081.36 | [Redacted] | $256.78 | 23.344% | 23.344% | 23.344% | [Redacted] | 704 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,364.00 | 6.530% | $0.00 | 3.0 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $25,002.40 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 7.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226098635 | [Redacted] | [Redacted] | N/A | No | No | $854.43 | $854.43 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,815.84 | [Redacted] | $151.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | 775 | 770 | 781 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $267,013.28 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 231.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099018 | [Redacted] | [Redacted] | Higher Priced QM (APOR) | Yes | No | $7,681.74 | $11,241.02 | 8.212% | $3,034.83 | $3,034.83 | 7.990% | No | Yes | Employed | Self-Employed | US Citizen | US Citizen | $47,774.54 | 1 | [Redacted] | $1,751.28 | [Redacted] | $145.94 | 27.651% | 27.651% | 27.651% | [Redacted] | 751 | No | Yes | 12 | Business | 96.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,681.74 | 6.520% | $6,899.85 | 1.0 | None | Yes | No | 7.990% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $4,600.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 135.86 | No | No | $63,693.50 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099019 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,579.31 | $25,781.38 | 9.488% | $4,800.31 | $4,800.31 | 8.990% | No | No | Self-Employed | US Citizen | $25,141.02 | 1 | [Redacted] | $3,284.04 | [Redacted] | $273.67 | 42.451% | 42.451% | 42.451% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $24,579.31 | 6.610% | $0.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $269,668.32 | 38.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 128.31 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099049 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,045.00 | $3,906.50 | 7.917% | $1,647.75 | $1,647.75 | 7.750% | No | No | Self-Employed | US Citizen | $4,346.05 | 1 | [Redacted] | $3,154.92 | [Redacted] | $262.91 | 43.057% | 43.057% | 43.057% | [Redacted] | 678 | No | Yes | 12 | Business | 52.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,045.00 | 6.530% | $0.00 | 3.9 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099057 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,895.80 | $5,903.35 | 9.112% | $1,189.49 | $1,189.49 | 8.750% | No | No | Non-Employment Income | US Citizen | $4,785.42 | 1 | [Redacted] | $669.36 | [Redacted] | $55.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 644 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,895.80 | 6.610% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $439,506.95 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 175.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099061 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,563.87 | 7.261% | $17,187.50 | $24,418.05 | 7.636% | No | No | Employed | US Citizen | $42,487.49 | 1 | [Redacted] | $4,818.00 | [Redacted] | $401.50 | 46.001% | 36.811% | 46.001% | [Redacted] | 779 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.080% | $0.00 | 4.1 | None | No | No | 7.636% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $5,346,662.14 | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 169.68 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099062 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,418.00 | $3,355.85 | 8.863% | $787.37 | $787.37 | 8.500% | No | No | Employed | US Citizen | $6,174.84 | 1 | [Redacted] | $339.96 | [Redacted] | $28.33 | 16.748% | 16.748% | 16.748% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,418.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $77,105.43 | 60.230% | No | 2 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099064 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,828.75 | $829.36 | 6.781% | $1,524.21 | $1,524.21 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $14,819.85 | 1 | [Redacted] | $3,440.76 | [Redacted] | $286.73 | 34.697% | 34.697% | 34.697% | [Redacted] | 797 | No | Yes | 12 | Personal | 92.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,828.75 | 6.490% | $20,000.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $396,314.62 | 72.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.09 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099066 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,628.31 | $11,481.56 | 7.500% | $6,604.58 | $6,604.58 | 7.375% | No | No | Non-Employment Income | US Citizen | $195,527.75 | 1 | [Redacted] | $4,311.96 | [Redacted] | $359.33 | 5.190% | 5.190% | 5.190% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Note Receivable]; Other - 2026 [Borrower - | Primary Income - Note Receivable]; Note - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $7,628.31 | 6.530% | $0.00 | 1.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $820,901.80 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 233.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099067 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,393.98 | 7.548% | $5,314.03 | $5,314.03 | 7.500% | No | No | Self-Employed | US Citizen | $34,311.01 | 1 | [Redacted] | $3,624.00 | [Redacted] | $302.00 | 23.818% | 23.818% | 23.818% | [Redacted] | 790 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $90,837.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099083 | [Redacted] | [Redacted] | N/A | No | No | $691.22 | $691.22 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $1,026.96 | [Redacted] | $85.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | $44,020.22 | 33.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099086 | [Redacted] | [Redacted] | N/A | No | No | $1,640.92 | $1,640.92 | 8.125% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,593.24 | [Redacted] | $132.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 621 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $4,444.24 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099140 | [Redacted] | [Redacted] | N/A | No | No | $2,528.27 | $2,528.27 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $2,901.96 | [Redacted] | $241.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.77 | 0.36 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 102.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099141 | [Redacted] | [Redacted] | N/A | No | No | $80,265.00 | $10,278.77 | 7.066% | $9,470.99 | $9,470.99 | 6.990% | No | No | Self-Employed | US Citizen | $9,947.07 | 1 | [Redacted] | $4,718.04 | [Redacted] | $393.17 | 25.616% | 25.616% | 25.616% | [Redacted] | 810 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $80,265.00 | 6.490% | $0.00 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $535,532.01 | 28.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099213 | [Redacted] | [Redacted] | N/A | No | No | $3,240.00 | $7,119.60 | 7.355% | $3,001.58 | $3,001.58 | 7.250% | No | No | Employed | US Citizen | $10,892.45 | 4 | [Redacted] | $3,791.04 | [Redacted] | $315.92 | 34.674% | 34.674% | 34.674% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,240.00 | 6.490% | $5,000.00 | None | No | No | 7.250% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $279,894.25 | 50.880% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099322 | [Redacted] | [Redacted] | N/A | No | No | $31,934.00 | $8,712.12 | 7.318% | $3,179.95 | $3,179.95 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $32,430.92 | 1 | [Redacted] | $4,092.72 | [Redacted] | $341.06 | 5.795% | 5.795% | 5.795% | [Redacted] | 816 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $31,934.00 | 6.490% | $21,000.00 | 3.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $409,459.78 | 69.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 69.15 | No | No | $17,557.18 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099323 | [Redacted] | [Redacted] | N/A | No | No | $1,576.63 | $1,576.63 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | Foreign National | 1 | [Redacted] | $1,490.52 | [Redacted] | $124.21 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.66 | [redacted] | $36,952.00 | 11.540% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 15.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099372 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,615.75 | $20,340.74 | 7.765% | $4,520.42 | $4,520.42 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,540.23 | 1 | [Redacted] | $1,161.96 | [Redacted] | $96.83 | 20.373% | 20.373% | 20.373% | [Redacted] | 751 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,615.75 | 6.610% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $88,152.75 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.86 | No | No | $21,988.06 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099417 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,450.00 | $6,322.96 | 7.523% | $1,637.22 | $1,637.22 | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,105.50 | 1 | [Redacted] | $1,349.76 | [Redacted] | $112.48 | 49.982% | 49.982% | 49.982% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 1 | 1 | 3 | [redacted] | $5,450.00 | 6.610% | $3,000.00 | 1.5 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $130,540.52 | 43.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.01 | Yes | No | $4,314.27 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099487 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,616.05 | 7.150% | $6,629.39 | $6,629.39 | 7.125% | No | No | Employed | US Citizen | $20,994.47 | 1 | [Redacted] | $3,801.96 | [Redacted] | $316.83 | 36.053% | 36.053% | 36.053% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.530% | $10,000.00 | 1.0 | None | No | No | 7.125% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $1,554,663.52 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.6 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099798 | [Redacted] | [Redacted] | N/A | No | No | $1,135.05 | $1,135.05 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,187.00 | [Redacted] | $182.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | $75,964.61 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 158.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100571 | [Redacted] | [Redacted] | N/A | No | No | $1,313.86 | $1,313.86 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,632.72 | [Redacted] | $136.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 649 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 110.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100576 | [Redacted] | [Redacted] | N/A | No | No | $575.96 | $575.96 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $820.68 | [Redacted] | $68.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $45,729.50 | 38.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 361.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100606 | [Redacted] | [Redacted] | N/A | No | No | $17,806.25 | $6,197.15 | 7.556% | $1,847.56 | $1,847.56 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,810.61 | 1 | [Redacted] | $3,095.04 | [Redacted] | $257.92 | 49.990% | 49.990% | 49.990% | [Redacted] | 722 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,806.25 | 6.490% | $0.00 | 1.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226100672 | [Redacted] | [Redacted] | N/A | No | No | $2,577.36 | $13,077.92 | 7.299% | $3,912.96 | $3,912.96 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,920.46 | 1 | [Redacted] | $2,630.04 | [Redacted] | $219.17 | 17.653% | 17.653% | 17.653% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,577.36 | 6.490% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 7.125% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $317,667.32 | 43.750% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.64 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101127 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,990.39 | $19,603.13 | 8.353% | $3,607.79 | $3,607.79 | 7.990% | No | No | Employed | US Citizen | $6,314.10 | 1 | [Redacted] | $1,887.00 | [Redacted] | $157.25 | 42.495% | 42.495% | 42.495% | [Redacted] | 722 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,990.39 | 6.520% | $0.00 | 5.0 | None | Yes | No | 7.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $225,714.60 | 38.980% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101448 | [Redacted] | [Redacted] | N/A | No | No | $1,869.16 | $1,869.16 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,584.00 | [Redacted] | $132.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.07 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101451 | [Redacted] | [Redacted] | N/A | No | No | $1,091.27 | $1,091.27 | 7.375% | No | No | US Citizen | 3 | [Redacted] | $4,236.00 | [Redacted] | $353.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 712 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.56 | [redacted] | $6,766.69 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101452 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,290.00 | $14,561.21 | 7.613% | $6,153.09 | $6,153.09 | 7.500% | No | No | Employed | Not Employed | US Citizen | Permanent Resident Alien | $8,804.27 | 1 | [Redacted] | $3,672.96 | [Redacted] | $306.08 | 49.155% | 49.155% | 49.155% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $8,290.00 | 6.610% | $0.00 | 2.6 | None | No | No | 7.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $515,119.62 | 46.820% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 34.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101453 | [Redacted] | [Redacted] | N/A | No | No | $1,657.62 | $1,657.62 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,082.40 | [Redacted] | $90.20 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $4,992.06 | 1.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101547 | [Redacted] | [Redacted] | N/A | No | No | $727.18 | $727.18 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $891.96 | [Redacted] | $74.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $177,671.94 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 202.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101548 | [Redacted] | [Redacted] | N/A | No | No | $2,653.21 | $2,653.21 | 6.990% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $2,845.68 | [Redacted] | $237.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | $2,839,786.16 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 970.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101550 | [Redacted] | [Redacted] | N/A | No | No | $1,296.91 | $1,296.91 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $1,490.04 | [Redacted] | $124.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $119,788.34 | 43.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101551 | [Redacted] | [Redacted] | N/A | No | No | $1,678.11 | $1,678.11 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,422.68 | [Redacted] | $201.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | $65,382.53 | 21.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101555 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,240.00 | $5,925.85 | 7.514% | $3,495.00 | $4,976.19 | 7.886% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $4,181.63 | 1 | [Redacted] | $9,015.96 | [Redacted] | $751.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,240.00 | 6.080% | $0.00 | 2.6 | None | Yes | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,088,834.19 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 167.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101557 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $2,799.67 | 7.321% | $2,633.20 | $2,633.20 | 7.250% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $10,051.27 | 1 | [Redacted] | $1,976.04 | [Redacted] | $164.67 | 46.817% | 46.817% | 46.817% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.530% | $0.00 | 1.2 | LP / LPA | Accept/Eligible | No | No | 7.250% | 0 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $162,837.07 | 33.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.81 | Yes | No | $8,315.30 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101560 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,367.01 | $6,166.56 | 7.328% | $1,651.32 | $1,651.32 | 7.125% | No | No | Employed | US Citizen | $7,014.79 | 1 | [Redacted] | $1,545.00 | [Redacted] | $128.75 | 41.625% | 41.625% | 41.625% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $3,367.01 | 6.530% | $5,000.00 | 1.0 | None | No | No | 7.125% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $339,510.43 | 80.830% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 71.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101646 | [Redacted] | [Redacted] | N/A | No | No | $566.68 | $566.68 | 7.750% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 1 | [Redacted] | $1,628.04 | [Redacted] | $135.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Trustee | Individual | Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101647 | [Redacted] | [Redacted] | N/A | No | No | $651.94 | $651.94 | 7.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $2,397.00 | [Redacted] | $199.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.3 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Corp | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101783 | [Redacted] | [Redacted] | N/A | No | No | $2,995.00 | $11,429.30 | 7.316% | $6,658.04 | $6,658.04 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $18,304.67 | 1 | [Redacted] | $1,679.76 | [Redacted] | $139.98 | 33.552% | 33.552% | 33.552% | [Redacted] | 747 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,995.00 | 6.610% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.250% | 0 | 2 | 1 | 0 | 3 | 2 | 12.00 | No | [redacted] | $1,121,622.47 | 91.930% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 107.73 | No | No | $0.00 | $4,983.33 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101784 | [Redacted] | [Redacted] | N/A | No | No | $1,186.23 | $1,186.23 | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,740.96 | [Redacted] | $145.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $105,912.01 | 46.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101804 | [Redacted] | [Redacted] | N/A | No | No | $886.85 | $886.85 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,214.04 | [Redacted] | $101.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101908 | [Redacted] | [Redacted] | N/A | No | No | $2,216.53 | $2,216.53 | 7.125% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,617.00 | [Redacted] | $134.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $96,839.49 | 20.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101947 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,214.00 | $5,670.42 | 7.066% | $3,872.46 | $5,150.20 | 6.990% | No | No | Non-Employment Income | US Citizen | $15,052.64 | 1 | [Redacted] | $2,688.96 | [Redacted] | $224.08 | 40.716% | 35.684% | 40.716% | [Redacted] | 804 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,214.00 | 6.490% | $18,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,274,773.57 | 100.000% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 217.7 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101960 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,261.01 | $670.22 | 7.337% | $3,126.12 | $3,126.12 | 7.375% | No | No | Employed | US Citizen | $5,312.49 | 1 | [Redacted] | $198.96 | [Redacted] | $16.58 | 46.197% | 46.197% | 46.197% | [Redacted] | 793 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 11.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 11.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 11.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 11.20000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,261.01 | 6.640% | $15,000.00 | 2.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $214,460.51 | 37.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102159 | [Redacted] | [Redacted] | N/A | No | No | $6,490.00 | $2,185.63 | 8.229% | $733.07 | $733.07 | 7.990% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $4,050.98 | 1 | [Redacted] | $719.04 | [Redacted] | $59.92 | 41.288% | 41.288% | 41.288% | [Redacted] | 809 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $6,490.00 | 6.610% | $0.00 | 1.0 | None | No | No | 7.990% | 0 | 0 | 1 | 0 | 2 | 1 | 5.97 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | Passport | Passport | No | 91.13 | No | No | $0.00 | $0.00 | Yes | Yes | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102348 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,665.00 | $9,033.96 | 7.135% | $4,320.10 | $4,320.10 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | Not Employed | 0 | 0 | US Citizen | US Citizen | US Citizen | $126,317.30 | 1 | [Redacted] | $7,416.00 | [Redacted] | $618.00 | 18.280% | 18.280% | 18.280% | [Redacted] | 739 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 25.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,665.00 | 6.490% | $0.00 | 1.8 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.3 | No | No | $154,572.78 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102535 | [Redacted] | [Redacted] | N/A | No | No | $2,653.45 | $2,653.45 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,212.56 | [Redacted] | $184.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $1,451,253.22 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 423.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226102642 | [Redacted] | [Redacted] | N/A | No | No | $25,071.41 | $12,115.24 | 7.148% | $1,997.23 | $1,997.23 | 6.750% | No | No | Self-Employed | US Citizen | $103,089.76 | 1 | [Redacted] | $1,218.96 | [Redacted] | $101.58 | 24.659% | 24.659% | 24.659% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $25,071.41 | 6.610% | $4,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $188,608.66 | 42.870% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.18 | No | No | $0.00 | $0.00 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226111811 | [Redacted] | [Redacted] | N/A | No | No | $1,381.44 | $1,381.44 | 6.750% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $1,295.76 | [Redacted] | $107.98 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $60,501.58 | 17.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 13.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226119388 | [Redacted] | [Redacted] | N/A | No | No | $2,741.60 | $2,741.60 | 6.990% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $3,303.00 | [Redacted] | $275.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $223,409.68 | 40.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226119427 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,740.58 | $5,871.13 | 6.908% | $1,843.64 | $1,843.64 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $8,204.89 | 1 | [Redacted] | $1,252.56 | [Redacted] | $104.38 | 42.969% | 42.969% | 42.969% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,740.58 | 6.530% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $300,013.46 | 79.150% | No | 31 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.67 | No | No | $0.00 | $8,031.34 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226119583 | [Redacted] | [Redacted] | N/A | No | No | $3,198.65 | $3,198.65 | 6.250% | No | No | US Citizen | 2 | [Redacted] | $645.96 | [Redacted] | $53.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | [redacted] | $296,439.89 | 45.600% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226119678 | [Redacted] | [Redacted] | N/A | No | No | $9,965.40 | $10,354.55 | 7.338% | $2,109.38 | $3,296.44 | 7.636% | No | No | Not Employed | Employed | US Citizen | $15,911.04 | 1 | [Redacted] | $3,234.00 | [Redacted] | $269.50 | 42.142% | 40.280% | 42.142% | [Redacted] | 769 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $9,965.40 | 6.240% | $0.00 | 2.8 | None | Yes | No | 7.636% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $456,830.04 | No | 26 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.32 | No | No | $0.00 | $27,500.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120343 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,995.00 | $23,941.72 | 7.119% | $5,255.43 | $5,255.43 | 6.875% | No | No | Non-Employment Income | US Citizen | $25,439.24 | 1 | [Redacted] | $1,919.04 | [Redacted] | $159.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $13,995.00 | 6.490% | $0.00 | 2.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,965,175.10 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 242.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120483 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $14,640.05 | 7.398% | $5,048.10 | $5,048.10 | 7.250% | No | No | Self-Employed | US Citizen | $15,338.01 | 1 | [Redacted] | $2,621.04 | [Redacted] | $218.42 | 33.801% | 33.801% | 33.801% | [Redacted] | 709 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,195.00 | 6.610% | $0.00 | 2.9 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $228,483.71 | 24.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120487 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,248.13 | $17,322.87 | 8.332% | $5,178.92 | $5,178.92 | 8.125% | No | No | Employed | Employed | US Citizen | US Citizen | $28,056.43 | 1 | [Redacted] | $4,667.76 | [Redacted] | $388.98 | 34.805% | 34.805% | 34.805% | [Redacted] | 797 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,248.13 | 6.520% | $10,000.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [redacted] | $194,391.13 | 25.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.97 | No | $30,317.92 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120497 | [Redacted] | [Redacted] | N/A | No | No | $777.05 | $777.05 | 7.990% | No | No | US Citizen | 3 | [Redacted] | $1,002.00 | [Redacted] | $83.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.57 | [redacted] | $9,389.71 | 7.080% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120499 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,550.00 | $920.00 | 7.219% | $3,219.87 | $3,219.87 | 7.250% | No | No | Self-Employed | US Citizen | $11,194.91 | 1 | [Redacted] | $3,962.04 | [Redacted] | $330.17 | 38.396% | 38.396% | 38.396% | [Redacted] | 780 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,550.00 | 6.490% | $23,983.20 | 2.8 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $404,463.17 | 68.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120642 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,246.00 | $20,071.05 | 7.103% | $8,241.42 | $8,241.42 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $16,736.33 | 1 | [Redacted] | $4,259.64 | [Redacted] | $354.97 | 49.318% | 49.318% | 49.318% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,246.00 | 6.570% | $0.00 | 4.6 | None | No | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $787,019.83 | 50.770% | No | 30 | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.86 | Yes | No | $0.00 | $16,355.31 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120643 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,494.69 | $11,413.80 | 7.171% | $4,461.34 | $4,461.34 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,444.68 | 1 | [Redacted] | $3,046.08 | [Redacted] | $253.84 | 48.124% | 48.124% | 48.124% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,494.69 | 6.490% | $0.00 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $249,289.11 | 27.850% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120813 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,385.14 | 7.290% | $3,274.45 | $3,274.45 | 7.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $6,046.49 | 1 | [Redacted] | $2,145.96 | [Redacted] | $178.83 | 39.891% | 39.891% | 39.891% | [Redacted] | 794 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.490% | $0.00 | 2.0 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $312,554.63 | 52.090% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.61 | Yes | No | $0.00 | $10,059.25 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120814 | [Redacted] | [Redacted] | N/A | No | No | $5,990.00 | $7,995.80 | 7.328% | $1,395.73 | $1,395.73 | 6.990% | No | No | Not Employed | Employed | US Citizen | $23,173.83 | 1 | [Redacted] | $1,845.00 | [Redacted] | $153.75 | 38.471% | 38.471% | 38.471% | [Redacted] | 809 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,990.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.89 | No | No | $0.00 | $36,287.13 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120820 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,212.95 | $10,343.00 | 7.283% | $12,063.92 | $13,500.61 | 7.886% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $29,456.22 | 1 | [Redacted] | $2,046.00 | [Redacted] | $170.50 | 37.649% | 34.608% | 37.649% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $1,212.95 | 6.080% | $0.00 | 2.6 | None | Yes | No | 7.886% | 1 | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $715,266.72 | 30.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120822 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,210.00 | $4,262.87 | 7.375% | $664.63 | $664.63 | 6.990% | No | No | Non-Employment Income | US Citizen | $9,625.82 | 1 | [Redacted] | $1,929.00 | [Redacted] | $160.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,210.00 | 6.490% | $0.00 | 1.1 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,973,608.59 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1375.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120824 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,518.25 | $11,239.05 | 7.818% | $3,874.69 | $4,071.96 | 7.886% | No | No | Self-Employed | US Citizen | $65,562.99 | 1 | [Redacted] | $5,908.80 | [Redacted] | $492.40 | 8.552% | 9.269% | 8.552% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,518.25 | 6.240% | $64,993.00 | 1.0 | None | No | No | 7.886% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $15,000.00 | 2.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120825 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,658.24 | $15,473.54 | 7.507% | $2,473.89 | $2,473.89 | 7.125% | No | No | Employed | US Citizen | $3,479.62 | 1 | [Redacted] | $1,545.00 | [Redacted] | $128.75 | 44.326% | 44.326% | 44.326% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,658.24 | 6.520% | $0.00 | 2.5 | DU | ApproveIneligible | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120826 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,675.00 | $11,345.30 | 7.373% | $5,242.50 | $7,325.42 | 7.636% | No | No | Employed | US Citizen | $16,076.36 | 1 | [Redacted] | $2,286.36 | [Redacted] | $190.53 | 50.959% | 44.605% | 50.959% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,675.00 | 6.190% | $0.00 | 1.5 | None | No | No | 7.636% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $1,197,367.81 | 79.820% | No | 3 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 73.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | AE | 09/01/2026 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120827 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,971.00 | $8,224.05 | 7.268% | $2,060.36 | $2,060.36 | 6.990% | No | No | Self-Employed | US Citizen | $146,792.21 | 1 | [Redacted] | $2,070.00 | [Redacted] | $172.50 | 6.422% | 6.422% | 6.422% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 34.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,971.00 | 6.570% | $0.00 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $33,277.72 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.23 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120829 | [Redacted] | [Redacted] | N/A | No | No | $1,504.47 | $1,504.47 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $954.96 | [Redacted] | $79.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.12 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 50.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120848 | [Redacted] | [Redacted] | N/A | No | No | $1,500.79 | $1,500.79 | 7.250% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,182.12 | [Redacted] | $98.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | 607 | 598 | 550 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $1,434,311.70 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 782.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121029 | [Redacted] | [Redacted] | N/A | No | No | $880.01 | $880.01 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $949.32 | [Redacted] | $79.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $10,873.70 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121030 | [Redacted] | [Redacted] | N/A | No | No | $2,918.69 | $2,918.69 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $5,239.44 | [Redacted] | $436.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $103,813.54 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 115.99 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121130 | [Redacted] | [Redacted] | N/A | No | No | $3,798.43 | $3,798.43 | 8.500% | No | No | US Citizen | 1 | [Redacted] | $2,310.96 | [Redacted] | $192.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 630 | No | No | DSCR | 1 | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121131 | [Redacted] | [Redacted] | N/A | No | No | $2,950.52 | $2,950.52 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,287.00 | [Redacted] | $107.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | 240 | [redacted] | $930,328.16 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 181.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121824 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,113.13 | $4,031.16 | 7.312% | $840.76 | $840.76 | 6.990% | No | No | Self-Employed | US Citizen | $21,373.94 | 1 | [Redacted] | $1,003.68 | [Redacted] | $83.64 | 15.354% | 15.354% | 15.354% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,113.13 | 6.640% | $87,000.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $32,279.10 | 14.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226121825 | [Redacted] | [Redacted] | N/A | No | No | $1,098.30 | $1,098.30 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,024.04 | [Redacted] | $168.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.15 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122127 | [Redacted] | [Redacted] | N/A | No | No | $998.53 | $998.53 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,107.00 | [Redacted] | $92.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.58 | [redacted] | $51,329.61 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122237 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,597.00 | $9,062.00 | 7.130% | $3,190.23 | $3,190.23 | 6.990% | No | No | Self-Employed | US Citizen | $19,277.63 | 1 | [Redacted] | $1,598.04 | [Redacted] | $133.17 | 34.921% | 34.921% | 34.921% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $6,597.00 | 6.520% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $183,945.36 | 30.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122239 | [Redacted] | [Redacted] | N/A | No | No | $787.91 | $787.91 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,563.84 | [Redacted] | $130.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | 775 | 770 | 781 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.9 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $355,584.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 360.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122438 | [Redacted] | [Redacted] | N/A | No | No | $1,330.08 | $1,330.08 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $1,453.32 | [Redacted] | $121.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $416,435.39 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 276 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226123369 | [Redacted] | [Redacted] | N/A | No | No | $1,377.33 | $1,377.33 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $1,485.96 | [Redacted] | $123.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 667 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226123524 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,330.00 | $16,989.30 | 8.326% | $3,395.57 | $3,395.57 | 7.990% | No | No | Self-Employed | Permanent Resident Alien | $36,013.37 | 1 | [Redacted] | $1,744.20 | [Redacted] | $145.35 | 30.989% | 30.989% | 30.989% | [Redacted] | 709 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,330.00 | 6.640% | $0.00 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,060.81 | 1.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.57 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226123884 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,490.00 | $10,004.18 | 7.314% | $6,003.15 | $6,003.15 | 7.250% | No | No | Employed | US Citizen | $8,801.85 | 1 | [Redacted] | $2,949.96 | [Redacted] | $245.83 | 47.189% | 47.189% | 47.189% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,490.00 | 6.530% | $4,000.00 | 3.2 | None | No | No | 7.250% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $550,879.08 | 50.070% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.1 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124004 | [Redacted] | [Redacted] | N/A | No | No | $1,749.07 | $1,749.07 | 6.875% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,211.56 | [Redacted] | $267.63 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | 684 | 733 | 720 | 767 | 801 | 791 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 67.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124286 | [Redacted] | [Redacted] | N/A | No | No | $1,465.55 | $1,465.55 | 7.500% | No | No | US Citizen | Permanent Resident Alien | 1 | [Redacted] | $1,299.00 | [Redacted] | $108.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.8 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $45,466.97 | 17.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124634 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,704.52 | 7.445% | $5,825.00 | $8,293.65 | 7.886% | No | No | Non-Employment Income | US Citizen | $64,131.33 | 1 | [Redacted] | $28,848.00 | [Redacted] | $2,404.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 815 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.190% | $0.00 | 3.0 | None | No | No | 7.886% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | [redacted] | $4,546,186.01 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 390.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124654 | [Redacted] | [Redacted] | N/A | No | No | $981.92 | $981.92 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,455.96 | [Redacted] | $121.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $204,918.31 | 85.730% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124678 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,267.05 | 6.925% | $2,816.39 | $2,816.39 | 6.875% | No | No | Employed | US Citizen | $9,168.60 | 1 | [Redacted] | $1,614.96 | [Redacted] | $134.58 | 28.719% | 28.719% | 28.719% | [Redacted] | 821 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.610% | $107,180.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $55,288.55 | 10.310% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.14 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124823 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,971.56 | $20,372.08 | 7.764% | $4,606.08 | $4,606.08 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | El Salvador | $45,449.68 | 1 | [Redacted] | $1,572.96 | [Redacted] | $131.08 | 10.778% | 10.778% | 10.778% | [Redacted] | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,971.56 | 6.640% | $23,300.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $27,148.21 | 3.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 20.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124825 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,001.25 | $1,140.00 | 7.719% | $3,531.91 | $3,531.91 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $8,009.27 | 1 | [Redacted] | $1,372.92 | [Redacted] | $114.41 | 33.791% | 33.791% | 33.791% | [Redacted] | 769 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,001.25 | 6.680% | $17,338.24 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $104,425.64 | 18.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 3.46 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124826 | [Redacted] | [Redacted] | N/A | No | No | $3,813.00 | $5,053.00 | 7.796% | $1,052.18 | $1,052.18 | 7.500% | No | No | Not Employed | Employed | Employed | 1.56 | US Citizen | US Citizen | $27,725.83 | 1 | [Redacted] | $1,684.80 | [Redacted] | $140.40 | 22.626% | 22.626% | 22.626% | [Redacted] | 797 | 785 | 804 | 797 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,813.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 1 | 0.00 | No | [redacted] | $189,146.45 | 95.520% | No | 29 | 18 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 93.26 | No | No | $0.00 | $35,833.34 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124828 | [Redacted] | [Redacted] | N/A | No | No | $8,177.50 | $10,018.90 | 7.479% | $1,684.30 | $1,684.30 | 7.125% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $19,214.87 | 1 | [Redacted] | $1,803.96 | [Redacted] | $150.33 | 46.827% | 46.827% | 46.827% | [Redacted] | 776 | 784 | 806 | 796 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,177.50 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $351,121.93 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 163.78 | No | No | $36,136.31 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124829 | [Redacted] | [Redacted] | Non QM | Yes | No | $41,202.50 | $44,427.48 | 7.676% | $18,092.18 | $18,092.18 | 7.500% | No | No | Self-Employed | US Citizen | $1,810,789.02 | 1 | [Redacted] | $4,911.00 | [Redacted] | $409.25 | 2.880% | 2.880% | 2.880% | [Redacted] | 716 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $41,202.50 | 6.530% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $3,586,146.00 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.58 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124830 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,224.67 | 7.286% | $6,291.00 | $8,790.50 | 7.636% | No | No | Employed | US Citizen | $17,062.08 | 1 | [Redacted] | $8,304.00 | [Redacted] | $692.00 | 42.828% | 34.453% | 42.828% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.080% | $18,500.00 | 1.0 | None | Yes | No | 7.636% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $468,201.20 | 34.680% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124832 | [Redacted] | [Redacted] | N/A | No | No | $1,595.00 | $5,317.62 | 7.066% | $2,710.50 | $2,710.50 | 6.990% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $8,405.16 | 1 | [Redacted] | $276.96 | [Redacted] | $23.08 | 42.951% | 42.951% | 42.951% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.530% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 6.990% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $235,138.01 | 46.120% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 28.22 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124833 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,240.00 | $13,272.27 | 7.073% | $6,313.99 | $6,313.99 | 6.990% | No | No | Employed | US Citizen | $25,686.68 | 1 | [Redacted] | $7,104.96 | [Redacted] | $592.08 | 29.408% | 29.408% | 29.408% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,240.00 | 6.530% | $0.00 | 2.5 | None | No | No | 6.990% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,744,784.07 | 75.860% | No | 28 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124835 | [Redacted] | [Redacted] | N/A | No | No | $2,090.00 | $8,305.42 | 7.574% | $6,343.75 | $8,708.33 | 7.886% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $52,009.98 | 1 | [Redacted] | $1,167.00 | [Redacted] | $97.25 | 46.415% | 43.979% | 46.415% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.190% | $0.00 | 4.6 | None | No | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $39,449.01 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 249.4 | No | No | $48,530.20 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124836 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,629.20 | $6,595.02 | 7.788% | $1,661.33 | $1,661.33 | 7.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,202.57 | 1 | [Redacted] | $2,797.08 | [Redacted] | $233.09 | 40.924% | 40.924% | 40.924% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 1040 - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | [Redacted] | 0 | 0 | 0 | [redacted] | $5,629.20 | 6.520% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | No | $4,527.90 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124837 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.02 | $3,357.46 | 7.033% | $651.52 | $651.52 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,051.50 | 1 | [Redacted] | $1,179.60 | [Redacted] | $98.30 | 47.840% | 47.840% | 47.840% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.02 | 6.530% | $0.00 | 1.0 | None | Yes | No | 6.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $217,573.37 | 75.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124843 | [Redacted] | [Redacted] | N/A | No | No | $9,306.56 | $9,306.56 | 7.500% | No | No | 0 | US Citizen | 1 | [Redacted] | $12,921.12 | [Redacted] | $1,076.76 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.53 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124844 | [Redacted] | [Redacted] | N/A | No | No | $1,381.41 | $1,381.41 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,100.04 | [Redacted] | $91.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124848 | [Redacted] | [Redacted] | N/A | No | No | $2,037.49 | $2,037.49 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $5,277.12 | [Redacted] | $439.76 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124860 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,396.25 | $11,449.96 | 7.736% | $3,933.08 | $3,980.75 | 7.623% | No | No | Non-Employment Income | US Citizen | $12,287.02 | 1 | [Redacted] | $902.04 | [Redacted] | $75.17 | 32.277% | 35.966% | 32.277% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $7,396.25 | 6.270% | $0.00 | 1.0 | None | Yes | No | 7.623% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,718,416.29 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 308.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124863 | [Redacted] | [Redacted] | N/A | No | No | $124,543.44 | $16,855.55 | 7.641% | $14,542.58 | $19,624.84 | 7.886% | No | No | Self-Employed | US Citizen | $223,360.14 | 1 | [Redacted] | $7,866.00 | [Redacted] | $655.50 | 25.561% | 23.867% | 25.561% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $124,543.44 | 6.080% | $0.00 | 2.6 | None | No | No | 7.886% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $105,960.10 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.47 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124922 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,942.00 | $12,067.00 | 7.240% | $1,937.94 | $1,937.94 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $16,458.15 | 1 | [Redacted] | $779.04 | [Redacted] | $64.92 | 12.025% | 12.025% | 12.025% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,942.00 | 6.640% | $0.00 | 3.7 | None | No | No | 6.875% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | [redacted] | $350,206.11 | 58.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | 17.22 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124924 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,157.50 | $11,306.66 | 7.220% | $2,718.34 | $2,718.34 | 6.990% | No | No | Self-Employed | US Citizen | $15,363.40 | 1 | [Redacted] | $527.88 | [Redacted] | $43.99 | 19.468% | 19.468% | 19.468% | [Redacted] | 696 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $8,157.50 | 6.530% | $0.00 | 2.6 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12.00 | No | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124940 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,236.05 | $11,785.61 | 7.425% | $2,312.15 | $2,312.15 | 7.125% | No | No | Non-Employment Income | Permanent Resident Alien | $3,042.91 | 1 | [Redacted] | $715.80 | [Redacted] | $59.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $8,236.05 | 6.610% | $13,022.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Other | [redacted] | $978,285.33 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 298.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124942 | [Redacted] | [Redacted] | N/A | No | No | $1,015.29 | $1,015.29 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,407.00 | [Redacted] | $117.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.07 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 57.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124944 | [Redacted] | [Redacted] | N/A | No | No | $1,320.49 | $1,320.49 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $1,599.00 | [Redacted] | $133.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.56 | [redacted] | $45,828.34 | 18.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124945 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,351.80 | $6,277.35 | 7.315% | $3,738.33 | $3,738.33 | 7.250% | No | No | Self-Employed | US Citizen | $12,671.10 | 1 | [Redacted] | $1,362.00 | [Redacted] | $113.50 | 30.580% | 30.580% | 30.580% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,351.80 | 6.490% | $0.00 | 4.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $30,242.73 | 4.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.69 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124947 | [Redacted] | [Redacted] | N/A | No | No | $2,691.98 | $2,691.98 | 7.500% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 2 | [Redacted] | $7,311.00 | [Redacted] | $609.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 670 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 49.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124949 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.00 | $5,995.57 | 9.133% | $1,591.29 | $1,591.29 | 8.875% | No | No | Self-Employed | US Citizen | $7,096.45 | 1 | [Redacted] | $1,530.96 | [Redacted] | $127.58 | 33.704% | 33.704% | 33.704% | [Redacted] | 607 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $3,790.00 | 6.530% | $0.00 | 2.2 | None | No | No | 8.875% | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124956 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $8,215.00 | $12,519.00 | 7.957% | $3,582.06 | $3,582.06 | 7.750% | No | No | Self-Employed | US Citizen | $24,926.86 | 1 | [Redacted] | $4,358.04 | [Redacted] | $363.17 | 26.402% | 26.402% | 26.402% | [Redacted] | 683 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,215.00 | 6.610% | $1,300.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $2,915.98 | 0.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/04/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124960 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,525.63 | $5,703.72 | 7.841% | $3,035.80 | $3,035.80 | 7.750% | No | No | Employed | US Citizen | $6,724.24 | 1 | [Redacted] | $687.96 | [Redacted] | $57.33 | 39.569% | 39.569% | 39.569% | [Redacted] | 818 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,525.63 | 6.640% | $1,000.00 | 1.0 | None | Yes | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $529,904.99 | 93.780% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125114 | [Redacted] | [Redacted] | N/A | No | No | $2,182.96 | $2,182.96 | 7.250% | No | No | US Citizen | 2 | [Redacted] | $1,818.96 | [Redacted] | $151.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $96,140.66 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125131 | [Redacted] | [Redacted] | N/A | No | No | $1,599.61 | $1,599.61 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $5,679.00 | [Redacted] | $473.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $66,023.40 | 23.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125200 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,359.50 | $23,407.78 | 8.070% | $12,879.63 | $12,879.63 | 7.990% | No | No | Self-Employed | US Citizen | $53,171.77 | 1 | [Redacted] | $7,809.96 | [Redacted] | $650.83 | 27.383% | 27.383% | 27.383% | [Redacted] | 717 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $19,359.50 | 6.640% | $37,000.00 | 1.3 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $20,000.00 | 0.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125204 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,395.00 | $5,111.80 | 6.920% | $3,599.97 | $3,599.97 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $15,122.47 | 1 | [Redacted] | $1,716.00 | [Redacted] | $143.00 | 25.585% | 25.585% | 25.585% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,395.00 | 6.610% | $15,000.00 | 1.7 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $27,585.05 | 4.020% | No | 18 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.51 | No | $0.00 | $5,738.50 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125385 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,250.00 | $22,270.06 | 7.528% | $7,597.43 | $7,597.43 | 7.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $23,074.36 | 1 | [Redacted] | $4,253.04 | [Redacted] | $354.42 | 32.178% | 32.178% | 32.178% | [Redacted] | 662 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $2,250.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $27,915.59 | 1.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.24 | Yes | No | $22,638.25 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125446 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,283.52 | $6,240.08 | 7.583% | $1,159.70 | $1,159.70 | 7.250% | No | No | Self-Employed | US Citizen | $2,798.36 | 1 | [Redacted] | $2,393.04 | [Redacted] | $199.42 | 42.367% | 42.367% | 42.367% | [Redacted] | 681 | No | Yes | 12 | Personal | 74.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,283.52 | 6.530% | $0.00 | 1.3 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 57.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | 07/30/2027 | $170,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226126271 | [Redacted] | [Redacted] | N/A | No | No | $1,353.75 | $1,353.75 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,314.96 | [Redacted] | $109.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $118,561.71 | 39.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226126521 | [Redacted] | [Redacted] | N/A | No | No | $1,945.79 | $1,945.79 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,296.00 | [Redacted] | $108.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 17 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129059 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,962.50 | 7.289% | $5,457.41 | $5,457.41 | 7.250% | No | No | Self-Employed | US Citizen | $8,675.41 | 1 | [Redacted] | $9,334.80 | [Redacted] | $777.90 | 48.335% | 48.335% | 48.335% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.640% | $2,000.00 | 1.0 | None | No | No | 7.250% | 2 | 0 | 0 | 0 | 0 | No | [redacted] | $365,736.43 | 36.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129423 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,020.79 | $14,571.54 | 8.224% | $4,031.14 | $4,031.14 | 7.990% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $10,985.69 | 1 | [Redacted] | $2,255.40 | [Redacted] | $187.95 | 35.993% | 35.993% | 35.993% | [Redacted] | 742 | No | Yes | 12 | Business | 73.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,020.79 | 6.640% | $17,000.00 | 2.7 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $132,458.65 | 21.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.93 | No | No | $1,384.90 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129424 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,611.69 | $11,682.96 | 8.136% | $2,789.70 | $2,789.70 | 7.875% | No | No | Self-Employed | US Citizen | $7,123.65 | 1 | [Redacted] | $1,506.72 | [Redacted] | $125.56 | 37.289% | 37.289% | 37.289% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,611.69 | 6.530% | $0.00 | 4.9 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 46.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129434 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,710.00 | $8,803.34 | 7.670% | $5,111.00 | $5,360.76 | 7.866% | No | No | Self-Employed | US Citizen | $76,093.00 | 1 | [Redacted] | $1,056.00 | [Redacted] | $88.00 | 20.016% | 19.753% | 20.016% | [Redacted] | 778 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $3,710.00 | 6.080% | $0.00 | 5.0 | None | No | No | 7.866% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $92,500.00 | 10.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129714 | [Redacted] | [Redacted] | N/A | No | No | $4,336.72 | $4,336.72 | 6.990% | No | No | US Citizen | 3 | [Redacted] | $3,317.04 | [Redacted] | $276.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $280,221.12 | 32.200% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129726 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,637.08 | $16,402.04 | 7.771% | $3,747.79 | $3,747.79 | 7.500% | No | No | Self-Employed | US Citizen | $12,284.58 | 1 | [Redacted] | $1,437.00 | [Redacted] | $119.75 | 36.550% | 36.550% | 36.550% | [Redacted] | 681 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $24,637.08 | 6.530% | $0.00 | 1.0 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | No | [redacted] | $174,083.32 | 25.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129727 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $3,873.15 | 7.389% | $1,473.50 | $1,473.50 | 7.250% | No | No | Self-Employed | US Citizen | $9,168.55 | 1 | [Redacted] | $1,437.00 | [Redacted] | $119.75 | 19.109% | 19.109% | 19.109% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.490% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 1 | 0 | 2 | 1 | No | [redacted] | $263,758.43 | 97.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.45 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129730 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,895.00 | $9,219.00 | 7.342% | $2,358.01 | $2,358.01 | 7.125% | No | No | Employed | US Citizen | $3,739.19 | 2 | [Redacted] | $4,074.00 | [Redacted] | $339.50 | 47.567% | 47.567% | 47.567% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,895.00 | 6.610% | $5,000.00 | None | No | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $219,765.50 | 43.950% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.2 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129731 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,515.00 | $12,299.75 | 7.201% | $6,629.39 | $6,629.39 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $238,011.00 | 1 | [Redacted] | $3,878.04 | [Redacted] | $323.17 | 4.489% | 4.489% | 4.489% | [Redacted] | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,515.00 | 6.530% | $3,370.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,504,973.57 | 100.000% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.95 | No | No | $249,196.93 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129734 | [Redacted] | [Redacted] | N/A | No | No | $34,501.25 | $8,267.15 | 7.223% | $4,006.94 | $4,006.94 | 7.125% | No | No | Not Employed | Employed | US Citizen | $22,809.54 | 1 | [Redacted] | $4,709.16 | [Redacted] | $392.43 | 39.609% | 39.609% | 39.609% | [Redacted] | 809 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $34,501.25 | 6.490% | $18,000.00 | 1.6 | None | No | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $284,138.79 | 35.830% | No | 29 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.8 | No | No | $0.00 | $36,124.12 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129736 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,664.75 | $10,123.06 | 7.002% | $1,743.19 | $2,356.37 | 6.750% | No | No | Non-Employment Income | US Citizen | $19,494.12 | 1 | [Redacted] | $1,829.04 | [Redacted] | $152.42 | 18.913% | 16.363% | 18.913% | [Redacted] | 701 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,664.75 | 6.640% | $0.00 | 4.4 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,160,759.66 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 917.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129739 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,010.00 | $13,835.06 | 7.296% | $10,519.70 | $10,519.70 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $21,289.76 | 1 | [Redacted] | $2,810.52 | [Redacted] | $234.21 | 38.168% | 38.168% | 38.168% | [Redacted] | 737 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,010.00 | 6.530% | $12,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,254,765.06 | 65.090% | No | 1 | 18 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.57 | No | No | $0.00 | $19,431.59 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129740 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,068.75 | $5,988.28 | 7.023% | $5,217.35 | $5,217.35 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $16,365.11 | 1 | [Redacted] | $4,721.04 | [Redacted] | $393.42 | 33.665% | 33.665% | 33.665% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,068.75 | 6.610% | $24,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $897,731.19 | 58.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.58 | Yes | No | $12,335.14 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129741 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,580.00 | $14,106.25 | 8.186% | $2,235.21 | $2,235.21 | 7.750% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $5,251.44 | 1 | [Redacted] | $1,439.04 | [Redacted] | $119.92 | 35.259% | 35.259% | 35.259% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $11,580.00 | 6.510% | $50,000.00 | None | No | No | 7.750% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $89,810.04 | 21.580% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport | 6.12 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129742 | [Redacted] | [Redacted] | N/A | No | No | $1,512.73 | $1,512.73 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,563.00 | [Redacted] | $130.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $39,018.09 | 12.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129745 | [Redacted] | [Redacted] | N/A | No | No | $1,406.25 | $1,406.25 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $953.04 | [Redacted] | $79.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | 240 | [redacted] | $7,013.59 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 131.59 | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129746 | [Redacted] | [Redacted] | N/A | No | No | $1,561.88 | $1,561.88 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,841.04 | [Redacted] | $153.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129747 | [Redacted] | [Redacted] | N/A | No | No | $1,475.00 | $1,475.00 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $638.88 | [Redacted] | $53.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | 240 | [redacted] | $464,306.62 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 818.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129748 | [Redacted] | [Redacted] | N/A | No | No | $1,450.00 | $1,450.00 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $638.88 | [Redacted] | $53.24 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | 240 | [redacted] | $970,544.92 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 877.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129749 | [Redacted] | [Redacted] | N/A | No | No | $2,916.80 | $2,916.80 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,161.96 | [Redacted] | $96.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $53,585.42 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129751 | [Redacted] | [Redacted] | N/A | No | No | $5,911.46 | $5,911.46 | 7.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,826.04 | [Redacted] | $152.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.28 | [redacted] | $327,122.92 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129752 | [Redacted] | [Redacted] | N/A | No | No | $2,140.11 | $2,140.11 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $2,028.00 | [Redacted] | $169.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.46 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129756 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $17,224.06 | 6.741% | $3,741.84 | $3,741.84 | 6.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $97,991.43 | 1 | [Redacted] | $3,717.00 | [Redacted] | $309.75 | 11.608% | 11.608% | 11.608% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.610% | $12,500.00 | 1.1 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $243,701.30 | 32.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.46 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130035 | [Redacted] | [Redacted] | N/A | No | No | $1,353.33 | $1,353.33 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $642.96 | [Redacted] | $53.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | 240 | [redacted] | $967,445.06 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 755.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130037 | [Redacted] | [Redacted] | N/A | No | No | $5,907.33 | $5,907.33 | 6.875% | No | No | Foreign National | 1 | [Redacted] | $1,986.96 | [Redacted] | $165.58 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | $206,884.25 | 17.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 20.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130038 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,275.50 | $7,645.34 | 7.859% | $2,006.60 | $2,006.60 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $5,761.25 | 1 | [Redacted] | $1,639.80 | [Redacted] | $136.65 | 42.052% | 42.052% | 42.052% | [Redacted] | 734 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,275.50 | 6.520% | $0.00 | 1.0 | LP / LPA | Accept/Ineligible | Yes | No | 7.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,333.08 | No | 30 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.18 | No | $0.00 | $5,231.38 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130064 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,129.20 | $6,860.55 | 6.665% | $2,022.62 | $2,022.62 | 6.500% | No | No | Employed | US Citizen | $7,729.36 | 1 | [Redacted] | $2,103.00 | [Redacted] | $175.25 | 31.295% | 31.295% | 31.295% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,129.20 | 6.640% | $1,000.00 | 1.0 | None | No | No | 6.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $148,652.41 | 35.390% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.73 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130065 | [Redacted] | [Redacted] | N/A | No | No | $51,422.00 | $13,294.30 | 7.573% | $5,901.77 | $6,358.35 | 7.886% | No | No | Self-Employed | US Citizen | $14,417.09 | 1 | [Redacted] | $1,797.96 | [Redacted] | $149.83 | 49.323% | 47.718% | 49.323% | [Redacted] | 790 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $51,422.00 | 6.190% | $0.00 | 3.7 | None | Yes | No | 7.886% | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No | [redacted] | $325,420.15 | 29.710% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130068 | [Redacted] | [Redacted] | N/A | No | No | $917.72 | $917.72 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,110.96 | [Redacted] | $92.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $4,482.53 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130441 | [Redacted] | [Redacted] | N/A | No | No | $1,446.67 | $1,446.67 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $633.96 | [Redacted] | $52.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | 240 | [redacted] | $667,222.13 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 838.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130442 | [Redacted] | [Redacted] | N/A | No | No | $1,650.87 | $1,650.87 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,620.04 | [Redacted] | $301.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 679 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 55.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130447 | [Redacted] | [Redacted] | N/A | No | No | $929.69 | $929.69 | 8.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,506.00 | [Redacted] | $125.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.7 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $250,571.68 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130567 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,906.60 | $0.00 | 7.082% | $2,779.28 | $2,779.28 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $22,469.91 | 1 | [Redacted] | $1,184.16 | [Redacted] | $98.68 | 42.927% | 42.927% | 42.927% | [Redacted] | 723 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,906.60 | 6.610% | $23,295.65 | 999.0 | None | No | No | 7.125% | 0 | 1 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $235,437.87 | 45.650% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.68 | No | No | $39,370.50 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226130986 | [Redacted] | [Redacted] | N/A | No | No | $2,320.80 | $2,320.80 | 6.375% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,811.00 | [Redacted] | $234.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | 765 | 779 | 774 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | $164,461.74 | 35.360% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131336 | [Redacted] | [Redacted] | N/A | No | No | $3,240.08 | $3,240.08 | 6.990% | No | No | Permanent Resident Alien | 1 | [Redacted] | $3,320.04 | [Redacted] | $276.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $160,883.59 | 24.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131344 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $7,428.39 | 6.921% | $4,894.12 | $4,894.12 | 6.875% | No | No | Non-Employment Income | US Citizen | $5,718.92 | 1 | [Redacted] | $3,030.00 | [Redacted] | $252.50 | 41.225% | 41.225% | 41.225% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.610% | $0.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,918,100.09 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 163.6 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131432 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,018.75 | $25,910.25 | 9.221% | $7,858.15 | $7,858.15 | 8.990% | No | No | Self-Employed | US Citizen | $905,954.88 | 1 | [Redacted] | $4,146.60 | [Redacted] | $345.55 | 1.706% | 1.706% | 1.706% | [Redacted] | 664 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $18,018.75 | 6.640% | $0.00 | 1.9 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $190,474.97 | 16.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.91 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131446 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,860.30 | 6.896% | $4,105.81 | $4,105.81 | 6.875% | No | No | Non-Employment Income | US Citizen | $21,944.42 | 1 | [Redacted] | $3,549.12 | [Redacted] | $295.76 | 45.217% | 45.217% | 45.217% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.490% | $0.00 | 2.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $55,982.63 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.89 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131448 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,545.00 | $5,305.50 | 7.281% | $4,458.36 | $4,458.36 | 7.250% | No | No | Employed | US Citizen | $9,408.84 | 1 | [Redacted] | $1,173.96 | [Redacted] | $97.83 | 40.949% | 40.949% | 40.949% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,545.00 | 6.640% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.250% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $374,375.14 | 42.960% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134159 | [Redacted] | [Redacted] | N/A | No | Yes | $1,690.00 | $3,731.22 | 7.353% | $1,678.15 | $1,678.15 | 7.250% | No | No | Non-Employment Income | US Citizen | $13,169.36 | 1 | [Redacted] | $4,254.00 | [Redacted] | $354.50 | 42.152% | 42.152% | 42.152% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.610% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,412,478.65 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 539.37 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134501 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,712.93 | $11,168.59 | 7.737% | $2,898.03 | $2,898.03 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $11,021.52 | 1 | [Redacted] | $7,070.28 | [Redacted] | $589.19 | 43.112% | 43.112% | 43.112% | [Redacted] | 783 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,712.93 | 6.530% | $19,504.48 | 2.9 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $313,453.31 | 64.280% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.72 | Yes | No | $19,373.99 | $0.00 | No | No | No | No | 4 | 360 | A | 08/06/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134526 | [Redacted] | [Redacted] | N/A | No | No | $1,890.00 | $5,810.90 | 7.499% | $1,380.72 | $1,380.72 | 7.250% | No | No | Employed | US Citizen | $16,069.29 | 1 | [Redacted] | $830.04 | [Redacted] | $69.17 | 21.131% | 21.131% | 21.131% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.530% | $0.00 | 1.9 | DU | ApproveEligible | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $101,944.01 | 39.580% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.13 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134840 | [Redacted] | [Redacted] | N/A | No | No | $1,895.00 | $4,868.57 | 7.464% | $2,403.55 | $2,403.55 | 7.375% | No | No | Non-Employment Income | Self-Employed | US Citizen | US Citizen | $20,105.67 | 1 | [Redacted] | $1,437.00 | [Redacted] | $119.75 | 36.068% | 36.068% | 36.068% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; Other - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,895.00 | 6.530% | $0.00 | 2.6 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $854,610.66 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 220.86 | No | No | $25,511.36 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226134897 | [Redacted] | [Redacted] | N/A | No | No | $18,495.00 | $11,061.50 | 8.153% | $1,433.28 | $1,433.28 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $13,267.65 | 1 | [Redacted] | $1,799.04 | [Redacted] | $149.92 | 30.013% | 30.013% | 30.013% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $18,495.00 | 6.610% | $5,000.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $318,903.00 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 143.04 | No | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135044 | [Redacted] | [Redacted] | N/A | No | No | $1,063.41 | $1,063.41 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,268.04 | [Redacted] | $105.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $488,157.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 259.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135050 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,283.22 | $9,656.34 | 9.512% | $2,808.00 | $2,808.00 | 9.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,740.33 | 1 | [Redacted] | $1,257.00 | [Redacted] | $104.75 | 42.181% | 42.181% | 42.181% | [Redacted] | 722 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,283.22 | 6.610% | $3,000.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 1 | 0 | 1 | 1 | 7.00 | No | [redacted] | $85,998.60 | 22.670% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.94 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135058 | [Redacted] | [Redacted] | N/A | No | No | $12,771.88 | $18,111.03 | 7.159% | $2,707.03 | $3,103.99 | 6.875% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $15,573.82 | 1 | [Redacted] | $2,769.96 | [Redacted] | $230.83 | 32.624% | 30.907% | 32.624% | [Redacted] | 777 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,771.88 | 6.640% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | Other | 360 | [redacted] | $2,209,893.86 | 100.000% | No | 6 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individually and as Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 151.92 | No | No | $8,394.65 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135094 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,052.50 | $8,282.80 | 8.327% | $1,268.87 | $1,268.87 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $6,664.97 | 1 | [Redacted] | $3,265.08 | [Redacted] | $272.09 | 28.132% | 28.132% | 28.132% | [Redacted] | 653 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 1 | 0 | 0 | [redacted] | $7,052.50 | 6.520% | $0.00 | 1.0 | None | Yes | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 31 | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.23 | No | $0.00 | $4,940.60 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135114 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,342.38 | $13,553.36 | 7.115% | $1,742.34 | $2,355.23 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,707.28 | 1 | [Redacted] | $1,041.00 | [Redacted] | $86.75 | 48.995% | 42.354% | 48.995% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,342.38 | 6.610% | $12,390.00 | 1.0 | None | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 | No | 240 | [redacted] | $282,129.54 | 68.310% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.05 | No | $0.00 | $4,593.33 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135117 | [Redacted] | [Redacted] | N/A | No | No | $954.43 | $954.43 | 7.500% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,509.48 | [Redacted] | $125.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.08 | [redacted] | $106,001.08 | 54.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135137 | [Redacted] | [Redacted] | N/A | No | No | $929.14 | $929.14 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $472.20 | [Redacted] | $39.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $137,889.97 | 56.280% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 689.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135140 | [Redacted] | [Redacted] | N/A | No | No | $6,646.31 | $6,646.31 | 6.990% | No | No | Foreign National | 1 | [Redacted] | $5,083.56 | [Redacted] | $423.63 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $158,628.49 | 11.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 53.84 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135155 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $14,705.74 | 7.292% | $11,733.43 | $11,733.43 | 7.250% | No | No | Self-Employed | US Citizen | $36,584.47 | 1 | [Redacted] | $4,494.48 | [Redacted] | $374.54 | 35.379% | 35.379% | 35.379% | [Redacted] | 720 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,195.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 7.250% | 1 | 1 | 0 | 3 | 1 | 5.97 | No | [redacted] | $189,641.99 | 8.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135156 | [Redacted] | [Redacted] | Non QM | Yes | No | $995.00 | $4,178.50 | 7.021% | $3,489.31 | $3,489.31 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $47,453.11 | 1 | [Redacted] | $3,275.04 | [Redacted] | $272.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $995.00 | 6.680% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $4,344,585.69 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 783.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135159 | [Redacted] | [Redacted] | N/A | No | No | $4,340.00 | $6,773.28 | 7.400% | $996.95 | $996.95 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $7,715.25 | 1 | [Redacted] | $738.72 | [Redacted] | $61.56 | 32.479% | 32.479% | 32.479% | [Redacted] | 815 | No | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,340.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $229,141.29 | 73.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.53 | No | No | $5,396.36 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135236 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $5,508.91 | 7.775% | $5,709.05 | $5,709.05 | 7.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,737.39 | 1 | [Redacted] | $2,194.20 | [Redacted] | $182.85 | 31.322% | 31.322% | 31.322% | [Redacted] | 703 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.610% | $4,000.00 | 2.7 | LP / LPA | Accept/Eligible | No | No | 7.750% | 2 | 1 | 2 | 0 | 2 | 0 | No | [redacted] | $598,877.56 | 60.120% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.21 | No | No | $0.00 | $9,166.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135238 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,736.05 | 7.568% | $2,796.86 | $2,796.86 | 7.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,307.98 | 1 | [Redacted] | $4,213.56 | [Redacted] | $351.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.640% | $0.00 | 1.4 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $931,687.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 195.25 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135242 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,395.01 | $11,192.99 | 9.451% | $4,071.50 | $4,071.50 | 9.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $21,663.10 | 1 | [Redacted] | $1,692.00 | [Redacted] | $141.00 | 30.567% | 30.567% | 30.567% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,395.01 | 6.530% | $16,000.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $106,688.30 | 19.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.71 | No | $15,599.95 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135244 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,387.20 | $10,776.95 | 7.704% | $5,894.15 | $5,894.15 | 7.625% | No | No | Employed | US Citizen | $31,716.37 | 1 | [Redacted] | $4,933.32 | [Redacted] | $411.11 | 20.709% | 20.709% | 20.709% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,387.20 | 6.610% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $255,467.71 | 23.220% | No | 6 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135246 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $14,782.69 | 6.920% | $4,488.30 | $4,488.30 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,212.72 | 1 | [Redacted] | $1,291.44 | [Redacted] | $107.62 | 27.531% | 27.531% | 27.531% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.530% | $4,000.00 | 1.7 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $249,533.41 | 28.030% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.83 | No | $0.00 | $10,419.07 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135253 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,970.00 | $13,955.48 | 7.253% | $3,057.30 | $3,057.30 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $8,683.82 | 1 | [Redacted] | $2,207.76 | [Redacted] | $183.98 | 32.684% | 32.684% | 32.684% | [Redacted] | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,970.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $187,482.56 | 32.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 10.33 | No | $7,121.78 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/06/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135255 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,920.00 | $3,616.32 | 6.981% | $856.15 | $856.15 | 6.750% | No | No | Self-Employed | US Citizen | $30,066.62 | 1 | [Redacted] | $2,232.00 | [Redacted] | $186.00 | 5.338% | 5.338% | 5.338% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,920.00 | 6.530% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $293,880.85 | 68.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135256 | [Redacted] | [Redacted] | N/A | No | No | $1,262.89 | $1,262.89 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,172.04 | [Redacted] | $97.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | 240 | [redacted] | $159,269.60 | 52.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135258 | [Redacted] | [Redacted] | N/A | No | No | $1,086.37 | $1,086.37 | 7.125% | No | No | US Citizen | 4 | [Redacted] | $2,538.96 | [Redacted] | $211.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | [redacted] | $11,175.35 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 6.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135259 | [Redacted] | [Redacted] | N/A | No | No | $575.96 | $575.96 | 6.750% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $812.16 | [Redacted] | $67.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | $291,943.50 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 358.18 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135261 | [Redacted] | [Redacted] | N/A | No | No | $1,751.13 | $1,751.13 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,374.96 | [Redacted] | $114.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $2,595,688.44 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1153.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135268 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $11,204.01 | 6.976% | $4,223.83 | $5,660.71 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $7,332.32 | 1 | [Redacted] | $3,768.00 | [Redacted] | $314.00 | 48.840% | 38.814% | 48.840% | [Redacted] | 807 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.530% | $0.00 | 2.9 | None | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | 240 | [redacted] | $239,225.94 | 23.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.36 | Yes | No | $13,853.93 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135279 | [Redacted] | [Redacted] | N/A | No | No | $15,699.50 | $7,889.17 | 7.072% | $1,582.58 | $1,582.58 | 6.750% | No | No | Not Employed | Self-Employed | US Citizen | $78,260.56 | 1 | [Redacted] | $962.76 | [Redacted] | $80.23 | 25.230% | 25.230% | 25.230% | [Redacted] | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,699.50 | 6.530% | $17,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $646,381.49 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 261.66 | No | No | $104,668.21 | $0.00 | No | No | No | No | 10 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135621 | [Redacted] | [Redacted] | N/A | No | No | $5,338.00 | $9,469.30 | 7.483% | $3,736.67 | $3,736.67 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $204,578.84 | 1 | [Redacted] | $2,078.04 | [Redacted] | $173.17 | 5.620% | 5.620% | 6.134% | [Redacted] | 775 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $5,338.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | 240 | [redacted] | $3,651,006.54 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 717.54 | No | No | $216,759.67 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135625 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,455.00 | $7,423.70 | 7.492% | $3,259.99 | $3,259.99 | 7.375% | No | No | Employed | US Citizen | $5,859.46 | 1 | [Redacted] | $1,401.96 | [Redacted] | $116.83 | 46.751% | 46.751% | 46.751% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,455.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.375% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $176,769.15 | 29.960% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226135728 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,270.25 | 7.178% | $2,802.67 | $2,802.67 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $31,158.96 | 1 | [Redacted] | $4,236.72 | [Redacted] | $353.06 | 20.761% | 20.761% | 20.761% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.570% | $0.00 | 3.1 | DU | ApproveEligible | No | No | 7.125% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $157,610.89 | 30.300% | No | 10 | 36 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.9 | Yes | No | $0.00 | $19,250.01 | No | No | No | No | 2 | 360 | AE | 08/07/2027 | $215,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136107 | [Redacted] | [Redacted] | N/A | No | No | $3,308.55 | $3,308.55 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $485.04 | [Redacted] | $40.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $793,968.51 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136815 | [Redacted] | [Redacted] | N/A | No | No | $1,146.06 | $1,146.06 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $2,036.40 | [Redacted] | $169.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 671 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.79 | 0.55 | [redacted] | $74,675.29 | 33.330% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226136821 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,989.92 | 6.903% | $5,091.20 | $5,091.20 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $11,074.89 | 1 | [Redacted] | $2,962.92 | [Redacted] | $246.91 | 40.527% | 40.527% | 40.527% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.530% | $0.00 | 2.5 | DU | ApproveEligible | No | No | 6.875% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $642,461.96 | 53.530% | No | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.06 | No | $0.00 | $2,244.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226137999 | [Redacted] | [Redacted] | N/A | No | No | $21,120.40 | $23,979.80 | 7.401% | $3,615.59 | $3,615.59 | 6.990% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $8,034.07 | 3 | [Redacted] | $2,088.00 | [Redacted] | $174.00 | 27.438% | 27.438% | 27.438% | [Redacted] | 777 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $21,120.40 | 6.570% | $157,889.42 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $63,609.40 | 9.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138072 | [Redacted] | [Redacted] | N/A | No | No | $2,370.51 | $2,370.51 | 6.250% | No | No | US Citizen | 1 | [Redacted] | $639.00 | [Redacted] | $53.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $331,724.93 | 56.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138093 | [Redacted] | [Redacted] | N/A | No | No | $4,053.74 | $4,053.74 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $9,304.56 | [Redacted] | $775.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | 794 | 779 | 779 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 3.7 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $920,968.32 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 154.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138100 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,595.08 | $5,152.20 | 7.091% | $2,387.69 | $2,387.69 | 6.990% | No | No | Employed | US Citizen | $5,868.06 | 1 | [Redacted] | $5,622.12 | [Redacted] | $468.51 | 46.781% | 46.781% | 46.781% | [Redacted] | 793 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,595.08 | 6.680% | $10,192.00 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $504,682.78 | 100.000% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 107.13 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138603 | [Redacted] | [Redacted] | N/A | No | No | $1,462.19 | $1,462.19 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,280.04 | [Redacted] | $106.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $40,632.31 | 14.770% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139035 | [Redacted] | [Redacted] | N/A | No | No | $1,258.59 | $1,258.59 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,941.00 | [Redacted] | $161.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $93,948.05 | 41.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139038 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,971.25 | $4,872.83 | 7.540% | $1,631.72 | $1,631.72 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $20,034.99 | 1 | [Redacted] | $641.76 | [Redacted] | $53.48 | 38.433% | 38.433% | 38.433% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,971.25 | 6.680% | $0.00 | 999.0 | None | No | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $249,689.99 | 79.260% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.86 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139044 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,127.30 | 7.359% | $4,303.49 | $4,588.09 | 7.637% | No | No | Not Employed | Employed | US Citizen | US Citizen | $6,505.81 | 1 | [Redacted] | $1,625.64 | [Redacted] | $135.47 | 49.219% | 46.997% | 49.219% | [Redacted] | 808 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.110% | $0.00 | 1.1 | None | No | No | 7.637% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $828,243.34 | 89.530% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.59 | No | $0.00 | $12,811.44 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139047 | [Redacted] | [Redacted] | N/A | No | No | $1,337.07 | $1,337.07 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $4,405.80 | [Redacted] | $367.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $60,177.94 | 24.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139051 | [Redacted] | [Redacted] | N/A | No | No | $2,475.92 | $2,475.92 | 7.125% | No | No | Foreign National | 1 | [Redacted] | $1,811.64 | [Redacted] | $150.97 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $192,688.27 | 37.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 7.22 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139113 | [Redacted] | [Redacted] | N/A | No | No | $1,189.34 | $1,189.34 | 7.375% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $1,392.96 | [Redacted] | $116.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139161 | [Redacted] | [Redacted] | N/A | No | No | $2,729.43 | $2,729.43 | 6.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,324.16 | [Redacted] | $193.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | $282,819.47 | 45.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139614 | [Redacted] | [Redacted] | N/A | No | No | $2,286.33 | $2,286.33 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,518.96 | [Redacted] | $126.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $343,076.53 | 79.780% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 84.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139745 | [Redacted] | [Redacted] | N/A | No | No | $4,529.25 | $6,082.83 | 8.524% | $841.20 | $841.20 | 7.990% | No | No | Self-Employed | US Citizen | $19,370.18 | 1 | [Redacted] | $849.96 | [Redacted] | $70.83 | 23.457% | 23.457% | 23.457% | [Redacted] | 711 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,529.25 | 6.530% | $0.00 | 3.8 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,169.18 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139761 | [Redacted] | [Redacted] | N/A | No | No | $1,859.91 | $1,859.91 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,292.04 | [Redacted] | $107.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 691 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.93 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139764 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,097.54 | 7.176% | $3,105.84 | $3,105.84 | 7.125% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $98,753.26 | 1 | [Redacted] | $3,662.04 | [Redacted] | $305.17 | 26.116% | 26.116% | 26.116% | [Redacted] | 804 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $11,481,943.91 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2730.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139765 | [Redacted] | [Redacted] | N/A | No | No | $1,843.24 | $1,843.24 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $649.68 | [Redacted] | $54.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 122.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139806 | [Redacted] | [Redacted] | N/A | No | No | $1,185.57 | $1,185.57 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $963.84 | [Redacted] | $80.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | $209,953.22 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 258.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226139932 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,923.44 | $11,560.94 | 7.899% | $4,475.79 | $4,475.79 | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,425.37 | 1 | [Redacted] | $4,465.56 | [Redacted] | $372.13 | 40.814% | 40.814% | 40.814% | [Redacted] | 804 | No | Yes | 24 | Business | 100.000% | 99.000% | [Borrower - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Other - 2018 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,923.44 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 1 | 0 | 24 | 0.00 | No | [redacted] | $162,109.54 | 22.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.78 | Yes | No | $31,131.47 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226141139 | [Redacted] | [Redacted] | N/A | No | No | $4,010.00 | $5,036.70 | 7.708% | $565.92 | $565.92 | 7.125% | No | No | Employed | US Citizen | $2,784.10 | 1 | [Redacted] | $1,380.96 | [Redacted] | $115.08 | 31.160% | 31.160% | 31.160% | [Redacted] | 803 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; WVOE - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,010.00 | 6.680% | $0.00 | 1.0 | None | No | No | 7.125% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $13,383.81 | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142645 | [Redacted] | [Redacted] | N/A | No | No | $13,643.52 | $13,643.52 | 7.250% | No | No | US Citizen | 4 | [Redacted] | $5,893.32 | [Redacted] | $491.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142715 | [Redacted] | [Redacted] | N/A | No | No | $1,203.13 | $1,203.13 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,648.04 | [Redacted] | $220.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | 240 | [redacted] | $16,361.49 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 123.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142727 | [Redacted] | [Redacted] | N/A | No | No | $1,417.22 | $1,417.22 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $590.04 | [Redacted] | $49.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | [redacted] | $318,540.10 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 132.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142761 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,600.00 | $3,029.96 | 6.823% | $1,819.32 | $1,819.32 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $17,543.39 | 1 | [Redacted] | $1,283.04 | [Redacted] | $106.92 | 22.503% | 22.503% | 22.503% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,600.00 | 6.530% | $0.00 | 1.2 | None | No | No | 6.750% | 1 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $555,422.52 | 100.000% | No | 31 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 215.17 | No | No | $0.00 | $13,333.34 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142771 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $2,969.16 | 7.430% | $2,265.41 | $2,265.41 | 7.375% | No | No | Employed | US Citizen | $12,398.61 | 1 | [Redacted] | $3,992.76 | [Redacted] | $332.73 | 33.718% | 33.718% | 33.718% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.490% | $0.00 | 2.3 | LP / LPA | Accept/Eligible | No | No | 7.375% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,635,457.11 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 532.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142776 | [Redacted] | [Redacted] | N/A | No | No | $2,768.23 | $2,768.23 | 7.375% | No | No | Permanent Resident Alien | 1 | [Redacted] | $2,462.04 | [Redacted] | $205.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $1,000.00 | 0.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142777 | [Redacted] | [Redacted] | N/A | No | No | $1,138.22 | $1,138.22 | 6.750% | No | No | Foreign National | 1 | [Redacted] | $741.84 | [Redacted] | $61.82 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | $4,853.37 | 1.360% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 33.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226142860 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $5,837.70 | 7.203% | $3,233.85 | $3,233.85 | 7.125% | No | No | Not Employed | Not Employed | Employed | 2.47 | US Citizen | US Citizen | $16,930.85 | 1 | [Redacted] | $1,970.16 | [Redacted] | $164.18 | 34.033% | 34.033% | 34.033% | [Redacted] | 757 | 757 | 840 | 738 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.610% | $0.00 | 2.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $192,808.46 | 32.130% | No | 28 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.51 | No | No | $8,652.79 | $17,013.01 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143249 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,072.50 | $10,642.57 | 6.702% | $1,815.46 | $1,815.46 | 6.375% | No | No | Non-Employment Income | US Citizen | $4,839.36 | 1 | [Redacted] | $3,834.72 | [Redacted] | $319.56 | 40.520% | 40.520% | 40.520% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,072.50 | 6.520% | $475.00 | 3.3 | None | No | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $866,281.75 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 155.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143250 | [Redacted] | [Redacted] | N/A | No | No | $4,165.00 | $6,188.77 | 6.350% | $2,770.73 | $2,770.73 | 6.250% | No | No | Employed | US Citizen | $33,743.99 | 1 | [Redacted] | $2,619.96 | [Redacted] | $218.33 | 18.191% | 18.191% | 18.191% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,165.00 | 6.640% | $0.00 | 1.9 | DU | ApproveEligible | Yes | No | 6.250% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $244,657.65 | 40.770% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.55 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143251 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,666.00 | $18,142.46 | 7.365% | $2,990.51 | $2,990.51 | 6.990% | No | No | Employed | US Citizen | $7,570.81 | 1 | [Redacted] | $903.60 | [Redacted] | $75.30 | 47.454% | 47.454% | 47.454% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,666.00 | 6.530% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.990% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $793.00 | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143252 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $7,174.54 | 7.200% | $4,396.01 | $4,396.01 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $27,472.93 | 1 | [Redacted] | $8,532.00 | [Redacted] | $711.00 | 37.205% | 37.205% | 37.205% | [Redacted] | 755 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.640% | $0.00 | 3.4 | LP / LPA | Accept/Eligible | No | No | 7.125% | 2 | 2 | 2 | 0 | 2 | 0 | No | [redacted] | $1,494,957.20 | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 226.86 | No | No | $0.00 | $8,191.42 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143253 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $12,584.94 | 7.346% | $4,661.46 | $5,158.29 | 7.636% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $36,764.61 | 1 | [Redacted] | $945.00 | [Redacted] | $78.75 | 23.129% | 23.955% | 23.129% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.140% | $0.00 | 2.5 | None | No | No | 7.636% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $4,276,427.50 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 633.44 | Yes | No | $23,913.26 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143255 | [Redacted] | [Redacted] | N/A | No | No | $2,595.00 | $16,757.45 | 6.989% | $7,390.45 | $7,390.45 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $30,710.67 | 2 | [Redacted] | $1,561.68 | [Redacted] | $130.14 | 17.362% | 17.362% | 17.362% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,595.00 | 6.530% | $2,000.00 | DU | ApproveEligible | No | No | 6.875% | 2 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,448,309.61 | 96.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 111.3 | No | No | $0.00 | $21,989.25 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143256 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $5,882.12 | 7.268% | $5,637.50 | $8,009.37 | 7.637% | No | No | Not Employed | Employed | US Citizen | US Citizen | $19,015.00 | 1 | [Redacted] | $2,603.52 | [Redacted] | $216.96 | 37.428% | 29.623% | 37.428% | [Redacted] | 806 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.00 | 6.080% | $750.00 | 2.1 | None | No | No | 7.637% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [redacted] | $1,267,561.50 | 100.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.12 | No | No | $0.00 | $30,388.80 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143258 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $3,453.06 | 7.020% | $2,970.75 | $3,950.96 | 6.990% | No | No | Not Employed | Employed | Employed | 5.82 | US Citizen | US Citizen | $101,765.47 | 2 | [Redacted] | $6,293.28 | [Redacted] | $524.44 | 33.186% | 32.543% | 33.186% | [Redacted] | 781 | 782 | 783 | 774 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.640% | $0.00 | None | No | No | 6.990% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [redacted] | $0.00 | No | 30 | 30 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.01 | No | No | $0.00 | $152,312.15 | No | No | No | No | 9 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143261 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,270.31 | $7,914.72 | 7.333% | $4,476.78 | $4,476.78 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,024.46 | 1 | [Redacted] | $2,777.04 | [Redacted] | $231.42 | 49.320% | 49.320% | 49.320% | [Redacted] | 810 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $4,270.31 | 6.610% | $0.00 | 1.1 | None | No | No | 7.250% | 0 | 0 | 1 | 0 | 1 | 1 | 6.30 | No | Other | [redacted] | $450,262.36 | 51.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143264 | [Redacted] | [Redacted] | N/A | No | No | $1,976.13 | $1,976.13 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $573.96 | [Redacted] | $47.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $575,159.12 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143265 | [Redacted] | [Redacted] | N/A | No | No | $1,568.76 | $1,568.76 | 6.625% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,964.52 | [Redacted] | $163.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | 806 | 817 | 791 | 745 | 750 | 765 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $3,774,512.32 | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1474.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143267 | [Redacted] | [Redacted] | N/A | No | No | $7,162.85 | $7,162.85 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $3,783.00 | [Redacted] | $315.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.84 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143269 | [Redacted] | [Redacted] | N/A | No | No | $3,155.88 | $3,155.88 | 8.625% | No | No | US Citizen | 1 | [Redacted] | $3,941.28 | [Redacted] | $328.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $38,205.39 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 23.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143272 | [Redacted] | [Redacted] | N/A | No | No | $1,603.45 | $1,603.45 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,537.96 | [Redacted] | $294.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | 793 | 813 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $20,917.73 | 7.030% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 23.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143274 | [Redacted] | [Redacted] | N/A | No | No | $1,524.07 | $1,524.07 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,137.72 | [Redacted] | $94.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $116,946.76 | 40.320% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143374 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,272.12 | $4,717.17 | 7.758% | $1,132.73 | $1,132.73 | 7.500% | No | No | Employed | US Citizen | $4,626.77 | 1 | [Redacted] | $2,307.00 | [Redacted] | $192.25 | 34.888% | 34.888% | 34.888% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,272.12 | 6.530% | $0.00 | 2.8 | LP / LPA | Accept/Ineligible | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 224.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143428 | [Redacted] | [Redacted] | N/A | No | No | $8,911.58 | $8,911.58 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $10,649.64 | [Redacted] | $887.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 1 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $30,000.00 | 1.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143944 | [Redacted] | [Redacted] | N/A | No | No | $2,019.95 | $7,714.84 | 7.559% | $2,465.71 | $2,465.71 | 7.375% | No | No | Employed | US Citizen | $12,050.72 | 1 | [Redacted] | $1,035.96 | [Redacted] | $86.33 | 41.518% | 41.518% | 41.518% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,019.95 | 6.530% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $115,370.12 | 27.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.25 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | 03/31/2027 | $2,377,286.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226143961 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,085.00 | $4,981.46 | 8.832% | $820.88 | $820.88 | 8.375% | No | No | Self-Employed | US Citizen | $13,041.36 | 1 | [Redacted] | $1,043.04 | [Redacted] | $86.92 | 35.545% | 35.545% | 35.545% | [Redacted] | 637 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,085.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.17 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144273 | [Redacted] | [Redacted] | N/A | No | No | $2,206.16 | $2,206.16 | 7.250% | No | No | US Citizen | 2 | [Redacted] | $3,315.36 | [Redacted] | $276.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $233,081.74 | 55.490% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144275 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,161.69 | $5,833.14 | 6.687% | $3,769.35 | $3,769.35 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $7,542.95 | 1 | [Redacted] | $2,403.96 | [Redacted] | $200.33 | 49.301% | 49.301% | 49.301% | [Redacted] | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,161.69 | 6.610% | $203,500.00 | 2.3 | DU | ApproveEligible | No | No | 6.625% | 2 | 2 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $10,000.00 | 1.270% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0 | Yes | No | $0.00 | $7,280.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144727 | [Redacted] | [Redacted] | N/A | No | No | $2,227.49 | $2,227.49 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $1,476.00 | [Redacted] | $123.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 634 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.3 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144729 | [Redacted] | [Redacted] | N/A | No | No | $1,185.57 | $1,185.57 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $963.84 | [Redacted] | $80.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2410.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144748 | [Redacted] | [Redacted] | N/A | No | No | $3,165.31 | $3,165.31 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $996.00 | [Redacted] | $83.00 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.2 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 47.77 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145009 | [Redacted] | [Redacted] | N/A | No | No | $1,174.68 | $1,174.68 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,533.00 | [Redacted] | $127.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $8,433.88 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145015 | [Redacted] | [Redacted] | N/A | No | No | $1,006.87 | $1,006.87 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,748.28 | [Redacted] | $145.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $73,573.73 | 40.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145019 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,830.00 | $7,636.70 | 7.508% | $3,094.22 | $3,094.22 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $22,158.56 | 1 | [Redacted] | $2,724.00 | [Redacted] | $227.00 | 30.026% | 30.026% | 30.026% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,830.00 | 6.490% | $0.00 | 3.9 | LP / LPA | Accept/Eligible | No | No | 7.375% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $187,493.41 | 32.890% | No | 29 | 11 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.33 | No | No | $0.00 | $10,416.68 | No | No | No | No | 2 | 360 | AE | 07/10/2027 | $500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145026 | [Redacted] | [Redacted] | N/A | No | No | $12,558.00 | $13,929.20 | 8.082% | $1,672.52 | $1,672.52 | 7.500% | No | No | Self-Employed | US Citizen | $27,593.02 | 1 | [Redacted] | $2,033.28 | [Redacted] | $169.44 | 38.059% | 38.059% | 38.059% | [Redacted] | 675 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,558.00 | 6.640% | $10,470.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $139,205.94 | 46.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 24.56 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145031 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,890.00 | $4,899.20 | 7.743% | $898.27 | $898.27 | 6.990% | No | No | Employed | US Citizen | $3,502.15 | 1 | [Redacted] | $892.56 | [Redacted] | $74.38 | 40.621% | 40.621% | 40.621% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,890.00 | 6.120% | $5,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $200,209.50 | 85.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | AE | 11/30/2026 | $12,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145054 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,430.63 | $5,568.18 | 7.486% | $2,641.83 | $2,641.83 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Kenya | $24,433.62 | 1 | [Redacted] | $1,860.96 | [Redacted] | $155.08 | 11.460% | 11.460% | 11.460% | [Redacted] | 755 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,430.63 | 6.610% | $5,000.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $63,758.82 | 14.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 29.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145317 | [Redacted] | [Redacted] | N/A | No | No | $1,967.31 | $1,967.31 | 6.990% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,197.00 | [Redacted] | $99.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | 743 | 787 | 780 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $226,911.12 | 61.320% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145325 | [Redacted] | [Redacted] | N/A | No | No | $3,758.74 | $3,758.74 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,665.00 | [Redacted] | $138.75 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | $213,257.77 | 27.950% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 16.67 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145623 | [Redacted] | [Redacted] | N/A | No | No | $1,148.67 | $1,148.67 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $255.00 | [Redacted] | $21.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $287,650.98 | 100.000% | No | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226145653 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,570.00 | $7,705.40 | 8.327% | $2,583.89 | $2,583.89 | 8.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $30,142.32 | 1 | [Redacted] | $714.72 | [Redacted] | $59.56 | 9.121% | 9.121% | 9.121% | [Redacted] | 682 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,570.00 | 6.610% | $8,700.00 | 1.6 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $10,000.00 | 2.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 8.69 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147360 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,496.38 | 7.056% | $2,283.40 | $2,605.35 | 6.990% | No | No | Self-Employed | US Citizen | $10,524.27 | 1 | [Redacted] | $3,150.00 | [Redacted] | $262.50 | 29.980% | 27.838% | 29.980% | [Redacted] | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 360 | [redacted] | $17,329.75 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147362 | [Redacted] | [Redacted] | N/A | No | No | $6,318.66 | $6,318.66 | 7.250% | No | No | Permanent Resident Alien | 1 | [Redacted] | $3,740.52 | [Redacted] | $311.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.28 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147441 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,240.00 | $5,203.52 | 7.247% | $1,163.10 | $1,163.10 | 6.990% | No | No | Non-Employment Income | US Citizen | $11,074.05 | 1 | [Redacted] | $1,893.00 | [Redacted] | $157.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,240.00 | 6.610% | $0.00 | 2.8 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,769,726.24 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 371.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147475 | [Redacted] | [Redacted] | N/A | No | No | $2,156.89 | $2,156.89 | 5.750% | No | No | US Citizen | 1 | [Redacted] | $1,539.00 | [Redacted] | $128.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $340,892.24 | 64.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147522 | [Redacted] | [Redacted] | N/A | No | No | $23,540.00 | $4,425.80 | 6.697% | $2,785.35 | $2,785.35 | 6.625% | No | No | Not Employed | Employed | Employed | 1.57 | US Citizen | US Citizen | $25,648.75 | 1 | [Redacted] | $1,083.00 | [Redacted] | $90.25 | 33.738% | 33.738% | 33.738% | [Redacted] | 807 | 792 | 806 | 809 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $23,540.00 | 6.680% | $13,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 2 | 0 | 0 | 2 | 1 | 0.00 | No | [redacted] | $306,096.58 | 52.770% | No | 30 | 17 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.92 | No | No | $0.00 | $38,708.33 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147840 | [Redacted] | [Redacted] | N/A | No | No | $1,372.30 | $1,372.30 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $2,085.96 | [Redacted] | $173.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 662 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147885 | [Redacted] | [Redacted] | N/A | No | No | $14,586.00 | $6,512.30 | 7.312% | $1,249.51 | $1,249.51 | 6.990% | No | No | Self-Employed | US Citizen | $11,192.80 | 1 | [Redacted] | $2,098.68 | [Redacted] | $174.89 | 17.724% | 17.724% | 17.724% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,586.00 | 6.680% | $51,750.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $2,400.00 | 1.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.44 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148747 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,633.96 | $4,657.51 | 7.312% | $3,473.98 | $3,473.98 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $17,607.61 | 1 | [Redacted] | $1,694.04 | [Redacted] | $141.17 | 28.086% | 28.086% | 28.086% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,633.96 | 6.610% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.14 | No | $24,484.25 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148863 | [Redacted] | [Redacted] | Non QM | Yes | No | $895.00 | $2,723.16 | 7.027% | $2,525.60 | $2,525.60 | 6.990% | No | No | Employed | US Citizen | $21,468.24 | 1 | [Redacted] | $3,227.88 | [Redacted] | $268.99 | 24.230% | 24.230% | 24.230% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $895.00 | 6.680% | $0.00 | 4.8 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $158,271.32 | 33.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.94 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148864 | [Redacted] | [Redacted] | N/A | No | No | $137,207.81 | $27,266.41 | 7.066% | $15,988.70 | $15,988.70 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $39,993.99 | 1 | [Redacted] | $20,281.92 | [Redacted] | $1,690.16 | 49.977% | 49.977% | 49.977% | [Redacted] | 796 | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $137,207.81 | 6.680% | $60,000.00 | 5.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Closed End | No | [redacted] | $2,060,040.34 | 54.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.33 | No | No | $69,814.27 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148868 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $6,149.14 | 7.082% | $3,206.18 | $3,206.18 | 6.990% | No | No | Employed | US Citizen | $6,330.90 | 1 | [Redacted] | $2,219.04 | [Redacted] | $184.92 | 42.446% | 42.446% | 42.446% | [Redacted] | 741 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.610% | $17,500.00 | 2.9 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $85,392.86 | 14.160% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148869 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,270.00 | $10,075.94 | 7.090% | $4,077.50 | $5,422.89 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,502.85 | 1 | [Redacted] | $6,947.76 | [Redacted] | $578.98 | 39.983% | 33.524% | 39.983% | [Redacted] | 767 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $8,270.00 | 6.610% | $16,560.00 | 1.7 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12.00 | No | 240 | [redacted] | $680,675.81 | 52.350% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.78 | No | $11,831.79 | $0.00 | No | No | No | No | 1 | 240 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148870 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,512.63 | $21,183.27 | 8.058% | $4,610.11 | $4,610.11 | 7.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $20,128.92 | 1 | [Redacted] | $1,113.00 | [Redacted] | $92.75 | 24.996% | 24.996% | 24.996% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,512.63 | 6.720% | $5,000.00 | 2.8 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $101,028.93 | 14.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.46 | No | $26,837.23 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148871 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $8,662.74 | 7.346% | $6,085.67 | $8,500.83 | 7.632% | No | No | Employed | Employed | US Citizen | US Citizen | $14,285.73 | 1 | [Redacted] | $6,713.04 | [Redacted] | $559.42 | 42.817% | 33.150% | 42.817% | [Redacted] | 813 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.190% | $0.00 | 3.1 | None | No | No | 7.632% | 2 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | 240 | [redacted] | $643,859.99 | 46.220% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.89 | Yes | No | $0.00 | $6,298.94 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148874 | [Redacted] | [Redacted] | N/A | No | No | $1,185.57 | $1,185.57 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $963.84 | [Redacted] | $80.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2410.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148875 | [Redacted] | [Redacted] | N/A | No | No | $1,185.57 | $1,185.57 | 7.000% | No | No | US Citizen | 1 | [Redacted] | $963.84 | [Redacted] | $80.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 2410.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148876 | [Redacted] | [Redacted] | N/A | No | No | $1,370.80 | $1,370.80 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,953.96 | [Redacted] | $162.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 804 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $92,877.31 | 33.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148877 | [Redacted] | [Redacted] | N/A | No | No | $731.09 | $731.09 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $723.00 | [Redacted] | $60.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148879 | [Redacted] | [Redacted] | N/A | No | No | $1,882.81 | $1,882.81 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $2,652.48 | [Redacted] | $221.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.76 | 0.56 | [redacted] | $143,812.62 | 41.680% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148882 | [Redacted] | [Redacted] | N/A | No | No | $1,625.96 | $1,625.96 | 6.375% | No | No | Permanent Resident Alien | 1 | [Redacted] | $636.96 | [Redacted] | $53.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $47,030.08 | 13.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148883 | [Redacted] | [Redacted] | N/A | No | No | $1,970.79 | $1,970.79 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $4,277.16 | [Redacted] | $356.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $239,543.84 | 59.880% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148888 | [Redacted] | [Redacted] | N/A | No | No | $758.62 | $758.62 | 9.625% | No | No | US Citizen | 1 | [Redacted] | $1,362.96 | [Redacted] | $113.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 698 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 9.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | [redacted] | $147,804.93 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226148910 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,118.40 | $5,373.40 | 7.329% | $2,865.14 | $2,865.14 | 7.250% | No | No | Self-Employed | US Citizen | $31,710.50 | 1 | [Redacted] | $5,434.56 | [Redacted] | $452.88 | 19.747% | 19.747% | 19.747% | [Redacted] | 741 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $3,118.40 | 6.680% | $1,000.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $513,552.45 | 97.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 82.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/07/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226149966 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,395.00 | $8,893.31 | 7.890% | $2,123.38 | $2,123.38 | 7.625% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $2,561.52 | 1 | [Redacted] | $333.00 | [Redacted] | $27.75 | 48.129% | 48.129% | 48.129% | [Redacted] | 693 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,395.00 | 6.530% | $0.00 | None | N/A | No | 7.625% | 0 | 3 | 0 | 3 | 3 | 0.00 | No | [redacted] | $0.00 | No | 30 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 56.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226150989 | [Redacted] | [Redacted] | N/A | No | No | $1,824.93 | $1,824.93 | 8.375% | No | No | US Citizen | 1 | [Redacted] | $2,574.96 | [Redacted] | $214.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 684 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.5 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152815 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,758.75 | $6,154.60 | 6.596% | $2,954.92 | $2,954.92 | 6.500% | No | No | Employed | Employed | US Citizen | US Citizen | $11,396.24 | 1 | [Redacted] | $1,467.96 | [Redacted] | $122.33 | 27.258% | 27.258% | 27.258% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Projected Income]; Employment Offer - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,758.75 | 6.610% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $710,929.81 | 83.630% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.2 | No | $8,583.33 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152887 | [Redacted] | [Redacted] | N/A | No | No | $3,751.97 | $3,751.97 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $5,870.76 | [Redacted] | $489.23 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.59 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152888 | [Redacted] | [Redacted] | N/A | No | No | $1,896.39 | $1,896.39 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,130.52 | [Redacted] | $94.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $179,965.07 | 46.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152890 | [Redacted] | [Redacted] | N/A | No | No | $1,256.29 | $1,256.29 | 6.990% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $859.56 | [Redacted] | $71.63 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $151,901.83 | 60.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 58.29 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152907 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $11,470.44 | 6.820% | $3,175.94 | $3,175.94 | 6.625% | No | No | Self-Employed | US Citizen | $8,740.35 | 1 | [Redacted] | $3,926.88 | [Redacted] | $327.24 | 40.158% | 40.158% | 40.158% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.720% | $0.00 | 3.4 | None | No | No | 6.625% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $450,827.88 | 72.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226152910 | [Redacted] | [Redacted] | N/A | No | No | $1,833.00 | $1,833.00 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,034.52 | [Redacted] | $86.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | 781 | 812 | 766 | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $322,266.25 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 147.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153084 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,495.00 | $6,927.58 | 7.341% | $3,683.75 | $3,683.75 | 7.250% | No | No | Employed | Permanent Resident Alien | $12,299.11 | 1 | [Redacted] | $582.84 | [Redacted] | $48.57 | 33.368% | 33.368% | 33.368% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,495.00 | 6.640% | $566.00 | 2.8 | LP / LPA | Accept/Eligible | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $53,227.19 | 7.880% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 17.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153103 | [Redacted] | [Redacted] | N/A | No | No | $2,899.70 | $2,215.14 | 7.167% | $1,869.06 | $1,869.06 | 7.125% | No | No | Employed | US Citizen | $9,455.71 | 1 | [Redacted] | $1,218.96 | [Redacted] | $101.58 | 5.574% | 5.574% | 5.574% | [Redacted] | 805 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,899.70 | 6.610% | $7,398.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $114,247.55 | 30.880% | No | 31 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153108 | [Redacted] | [Redacted] | N/A | No | No | $705.87 | $705.87 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $1,551.00 | [Redacted] | $129.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226153177 | [Redacted] | [Redacted] | N/A | No | No | $1,395.73 | $1,395.73 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,019.04 | [Redacted] | $84.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 43.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226154107 | [Redacted] | [Redacted] | N/A | No | No | $1,231.74 | $1,231.74 | 6.875% | No | No | Foreign National | 1 | [Redacted] | $1,727.52 | [Redacted] | $143.96 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.05 | 0.48 | [redacted] | $95,946.36 | 38.370% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 8.61 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226154258 | [Redacted] | [Redacted] | N/A | No | No | $1,175.90 | $1,175.90 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $915.60 | [Redacted] | $76.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 122.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155072 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,415.00 | $6,563.07 | 6.918% | $4,736.46 | $4,736.46 | 6.875% | No | No | Self-Employed | US Citizen | $9,317.74 | 1 | [Redacted] | $5,121.96 | [Redacted] | $426.83 | 41.826% | 41.826% | 41.826% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.47000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.47000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.47000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.47000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.47000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.47000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,415.00 | 6.530% | $0.00 | 1.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $20,000.00 | 1.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155214 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,747.99 | $13,410.66 | 7.452% | $3,913.99 | $3,913.99 | 7.250% | No | No | Self-Employed | US Citizen | $9,174.02 | 1 | [Redacted] | $1,629.00 | [Redacted] | $135.75 | 35.633% | 35.633% | 35.633% | [Redacted] | 734 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $23,747.99 | 6.640% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $225,827.63 | 29.510% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 8.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155319 | [Redacted] | [Redacted] | N/A | No | No | $3,368.59 | $3,368.59 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,101.00 | [Redacted] | $91.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.61 | 0.61 | [redacted] | $570,309.95 | 75.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155368 | [Redacted] | [Redacted] | N/A | No | No | $2,652.30 | $2,652.30 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $2,361.00 | [Redacted] | $196.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $120,222.93 | 24.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.5 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155374 | [Redacted] | [Redacted] | N/A | No | No | $3,678.80 | $3,678.80 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,643.04 | [Redacted] | $136.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155376 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,985.60 | $17,854.32 | 8.054% | $3,933.10 | $3,933.10 | 7.750% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $7,325.16 | 1 | [Redacted] | $2,319.12 | [Redacted] | $193.26 | 49.731% | 49.731% | 49.731% | [Redacted] | 691 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $14,985.60 | 6.610% | $0.00 | 1.2 | DU | ApproveIneligible | Yes | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $32,716.09 | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.37 | No | $3,796.00 | $9,164.88 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155532 | [Redacted] | [Redacted] | N/A | No | No | $2,545.98 | $2,545.98 | 7.125% | No | No | US Citizen | 3 | [Redacted] | $2,220.96 | [Redacted] | $185.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $186,536.70 | 37.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155534 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,631.99 | 7.339% | $1,964.67 | $1,964.67 | 7.250% | No | No | Employed | US Citizen | $12,960.93 | 1 | [Redacted] | $1,103.04 | [Redacted] | $91.92 | 30.560% | 30.560% | 30.560% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.680% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $118,962.80 | 33.040% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155712 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $9,630.10 | 7.186% | $6,737.19 | $6,737.19 | 7.125% | No | No | Employed | US Citizen | $10,894.89 | 1 | [Redacted] | $3,423.00 | [Redacted] | $285.25 | 43.606% | 43.606% | 43.606% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.680% | $150,000.00 | 2.2 | DU | ApproveEligible | No | No | 7.125% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $369,101.91 | 29.520% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.57 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155818 | [Redacted] | [Redacted] | N/A | No | No | $1,833.00 | $1,833.00 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $933.48 | [Redacted] | $77.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $322,266.25 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 147.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155841 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,730.00 | $2,765.86 | 7.790% | $2,579.08 | $2,579.08 | 7.750% | No | No | Self-Employed | US Citizen | $82,975.00 | 1 | [Redacted] | $1,376.04 | [Redacted] | $114.67 | 5.997% | 5.997% | 5.997% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,730.00 | 6.610% | $14,000.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $25,049.15 | 6.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226155899 | [Redacted] | [Redacted] | N/A | No | No | $1,807.08 | $1,807.08 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | 789 | 817 | 819 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $36,300.03 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156193 | [Redacted] | [Redacted] | N/A | No | No | $16,923.75 | $21,413.43 | 7.499% | $5,397.72 | $5,397.72 | 7.250% | No | No | Self-Employed | US Citizen | $29,466.25 | 3 | [Redacted] | $4,545.84 | [Redacted] | $378.82 | 40.235% | 40.235% | 40.235% | [Redacted] | 749 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,923.75 | 6.610% | $0.00 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $11,500.00 | 0.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.09 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156197 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,981.25 | $27,891.03 | 8.670% | $11,418.37 | $11,418.37 | 8.500% | No | No | Employed | US Citizen | $21,082.08 | 1 | [Redacted] | $9,459.00 | [Redacted] | $788.25 | 42.175% | 42.175% | 42.175% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $19,981.25 | 6.530% | $61,300.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | HELOC | No | [redacted] | $380,956.32 | 23.080% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156198 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $7,817.05 | 7.290% | $7,694.95 | $7,694.95 | 7.250% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,023.49 | 1 | [Redacted] | $9,660.12 | [Redacted] | $805.01 | 49.618% | 49.618% | 49.618% | [Redacted] | 785 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.610% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,339,417.18 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 201.48 | No | No | $1,042.83 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156199 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,890.00 | $5,822.30 | 7.576% | $842.15 | $842.15 | 7.125% | No | No | Employed | US Citizen | $2,908.33 | 1 | [Redacted] | $1,569.96 | [Redacted] | $130.83 | 53.467% | 53.467% | 53.467% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,890.00 | 6.610% | $300.00 | 3.5 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 3 | 0.00 | No | [redacted] | $468,537.02 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.85 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156233 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $6,600.72 | 6.903% | $7,883.15 | $7,883.15 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $42,819.38 | 1 | [Redacted] | $1,599.96 | [Redacted] | $133.33 | 17.494% | 17.494% | 17.494% | [Redacted] | 806 | No | Yes | 24 | Business | 100.000% | 12.000% | 12.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 12.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 12.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 12.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 12.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 12.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.680% | $0.00 | 4.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $477,161.02 | 29.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.97 | No | $25,949.33 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156235 | [Redacted] | [Redacted] | N/A | No | No | $817.25 | $817.25 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,397.00 | [Redacted] | $199.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $11,929.22 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.5 | No | $0.00 | $0.00 | No | No | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226156268 | [Redacted] | [Redacted] | N/A | No | No | $3,717.52 | $3,717.52 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $4,080.24 | [Redacted] | $340.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 687 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $674,201.05 | 77.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | VantageScore 2.0 | 61.27 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157505 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,891.04 | $25,052.04 | 7.939% | $5,373.57 | $5,373.57 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $12,058.65 | 2 | [Redacted] | $1,670.04 | [Redacted] | $139.17 | 35.137% | 35.137% | 35.137% | [Redacted] | 731 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,891.04 | 6.530% | $2,500.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $374,462.25 | 39.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 31.19 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157555 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,134.54 | 6.963% | $2,305.82 | $2,305.82 | 6.875% | No | No | Self-Employed | US Citizen | $45,803.09 | 1 | [Redacted] | $3,267.36 | [Redacted] | $272.28 | 20.180% | 20.180% | 20.180% | [Redacted] | 802 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.610% | $0.00 | 3.3 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $739,953.17 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 505.84 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157581 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $9,573.29 | 7.306% | $5,729.17 | $8,127.06 | 7.616% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,376.49 | 1 | [Redacted] | $2,846.52 | [Redacted] | $237.21 | 49.799% | 38.198% | 49.799% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.110% | $0.00 | 3.2 | None | No | No | 7.616% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $2,745,597.30 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 345.31 | Yes | No | $19,862.37 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157626 | [Redacted] | [Redacted] | N/A | No | No | $39,870.00 | $11,026.24 | 7.855% | $4,000.00 | $5,303.03 | 7.874% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $84,713.29 | 1 | [Redacted] | $2,996.28 | [Redacted] | $249.69 | 14.696% | 14.458% | 14.696% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $39,870.00 | 6.250% | $0.00 | 3.3 | None | Yes | No | 7.874% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $234,146.23 | 29.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.24 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226157639 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,011.00 | 7.363% | $664.63 | $664.63 | 6.990% | No | No | Non-Employment Income | US Citizen | $3,336.46 | 1 | [Redacted] | $617.52 | [Redacted] | $51.46 | 32.539% | 32.539% | 32.539% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.530% | $0.00 | 2.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $222,252.78 | 62.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 142.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162160 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $8,908.66 | 7.143% | $3,296.57 | $3,296.57 | 6.990% | No | No | Employed | US Citizen | $39,386.59 | 1 | [Redacted] | $2,250.24 | [Redacted] | $187.52 | 24.760% | 24.760% | 24.760% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.610% | $3,500.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $339,918.17 | 54.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 02/03/2027 | $5,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162411 | [Redacted] | [Redacted] | N/A | No | No | $3,215.11 | $3,215.11 | 8.375% | No | No | Permanent Resident Alien | 3 | [Redacted] | $3,394.20 | [Redacted] | $282.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $61,554.29 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162417 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,625.00 | $7,919.34 | 7.652% | $1,795.76 | $1,795.76 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $4,903.50 | 1 | [Redacted] | $793.20 | [Redacted] | $66.10 | 32.627% | 32.627% | 32.627% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,625.00 | 6.610% | $0.00 | 3.3 | None | No | No | 7.375% | 1 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $101,797.36 | 31.320% | No | 7 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.94 | No | $0.00 | $4,158.17 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162452 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,502.00 | $11,946.61 | 7.782% | $3,341.64 | $3,600.19 | 7.886% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $42,111.71 | 1 | [Redacted] | $1,750.08 | [Redacted] | $145.84 | 42.782% | 43.276% | 42.782% | [Redacted] | 748 | Yes | Yes | 24 | Business | 83.000% | 100.000% | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,502.00 | 6.300% | $0.00 | 1.0 | None | No | No | 7.886% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Other | [redacted] | $1,260,132.09 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 205.02 | No | No | $12,334.91 | $0.00 | No | No | No | No | 2 | 360 | AE | 04/13/2027 | $40,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162458 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,411.88 | $7,452.37 | 8.036% | $945.36 | $970.10 | 7.639% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $3,762.93 | 1 | [Redacted] | $2,549.88 | [Redacted] | $212.49 | 30.481% | 30.024% | 30.481% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | WVOE | 0 | 0 | 0 | [redacted] | $6,411.88 | 6.190% | $10,928.91 | 1.0 | None | Yes | No | 7.639% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $108,623.06 | 59.510% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 35.61 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226162512 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,451.40 | $3,960.52 | 7.204% | $2,256.96 | $2,256.96 | 7.125% | No | No | Self-Employed | US Citizen | $3,524.67 | 1 | [Redacted] | $1,560.00 | [Redacted] | $130.00 | 48.108% | 48.108% | 48.108% | [Redacted] | 713 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $4,451.40 | 6.530% | $22,000.00 | 2.6 | None | Yes | No | 7.125% | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $206,980.94 | 42.670% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226163209 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,170.00 | $5,202.30 | 7.001% | $2,200.71 | $2,200.71 | 6.875% | No | No | Self-Employed | US Citizen | $27,669.40 | 1 | [Redacted] | $2,538.96 | [Redacted] | $211.58 | 19.977% | 19.977% | 19.977% | [Redacted] | 809 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,170.00 | 6.520% | $5,000.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | HELOC | No | [redacted] | $252,754.66 | 45.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226163216 | [Redacted] | [Redacted] | N/A | No | No | $813.63 | $813.63 | 9.125% | No | No | US Citizen | 1 | [Redacted] | $1,886.04 | [Redacted] | $157.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226163262 | [Redacted] | [Redacted] | N/A | No | No | $1,420.65 | $1,420.65 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,818.96 | [Redacted] | $151.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $2,850.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.26 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226163265 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,182.50 | $6,587.07 | 7.098% | $3,289.92 | $3,289.92 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $8,673.16 | 1 | [Redacted] | $5,600.04 | [Redacted] | $466.67 | 39.781% | 39.781% | 39.781% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $9,182.50 | 6.490% | $48,000.00 | 2.5 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,526,759.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 300.61 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/03/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226163290 | [Redacted] | [Redacted] | N/A | No | No | $1,048.29 | $1,048.29 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $980.04 | [Redacted] | $81.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 691 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 86.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164282 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,645.00 | $20,930.98 | 7.776% | $8,493.52 | $8,493.52 | 7.625% | No | No | Employed | US Citizen | $14,995.83 | 1 | [Redacted] | $3,819.96 | [Redacted] | $318.33 | 41.469% | 41.469% | 41.469% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,645.00 | 6.680% | $0.00 | 2.1 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $533,364.50 | 35.550% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.91 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164283 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,071.31 | $8,859.87 | 8.105% | $2,619.31 | $2,619.31 | 7.875% | No | No | Self-Employed | US Citizen | $65,103.45 | 1 | [Redacted] | $1,258.68 | [Redacted] | $104.89 | 11.687% | 11.687% | 11.687% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,071.31 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,000.00 | 11.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164284 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,246.24 | $15,026.27 | 7.907% | $6,063.71 | $6,063.71 | 7.750% | No | No | Self-Employed | US Citizen | $40,951.39 | 1 | [Redacted] | $1,962.00 | [Redacted] | $163.50 | 31.473% | 31.473% | 31.473% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,246.24 | 6.490% | $15,000.00 | 1.7 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $256,474.85 | 24.240% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.6 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164291 | [Redacted] | [Redacted] | N/A | No | No | $1,056.08 | $1,056.08 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $797.04 | [Redacted] | $66.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | LLC | Business Entity | LP | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164295 | [Redacted] | [Redacted] | N/A | No | No | $2,548.88 | $2,548.88 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $534.24 | [Redacted] | $44.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $162,718.38 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $12,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164297 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,907.00 | $23,934.42 | 7.476% | $6,548.89 | $6,548.89 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $117,508.16 | 1 | [Redacted] | $2,874.00 | [Redacted] | $239.50 | 17.794% | 17.794% | 17.794% | [Redacted] | 707 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,907.00 | 6.680% | $0.00 | 3.3 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $380,000.00 | 31.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.4 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164299 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,640.00 | $3,726.33 | 8.547% | $3,873.40 | $3,873.40 | 8.500% | No | No | Self-Employed | US Citizen | $26,951.93 | 1 | [Redacted] | $5,594.04 | [Redacted] | $466.17 | 23.388% | 23.388% | 23.388% | [Redacted] | 656 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,640.00 | 6.530% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164300 | [Redacted] | [Redacted] | N/A | No | No | $2,966.03 | $2,966.03 | 6.875% | No | No | Permanent Resident Alien | 4 | [Redacted] | $4,104.96 | [Redacted] | $342.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | [redacted] | $87,093.07 | 13.500% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164301 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $6,484.65 | 7.057% | $4,652.42 | $4,652.42 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,283.22 | 1 | [Redacted] | $1,911.96 | [Redacted] | $159.33 | 39.368% | 39.368% | 39.368% | [Redacted] | 794 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.610% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $174,813.32 | 18.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.19 | No | No | $9,191.75 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164302 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,673.48 | $7,044.77 | 7.371% | $1,175.07 | $1,175.07 | 6.990% | No | No | Employed | US Citizen | $4,453.84 | 1 | [Redacted] | $461.04 | [Redacted] | $38.42 | 30.097% | 30.097% | 30.097% | [Redacted] | 816 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,673.48 | 6.680% | $1,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $246,906.90 | 94.960% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 75.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164441 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,915.00 | $5,291.65 | 7.313% | $1,684.30 | $1,684.30 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,960.26 | 1 | [Redacted] | $2,362.08 | [Redacted] | $196.84 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,915.00 | 6.490% | $0.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $370,970.93 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 01/01/2027 | $943,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164442 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $7,351.40 | 7.531% | $2,693.63 | $2,693.63 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $7,154.73 | 1 | [Redacted] | $1,707.96 | [Redacted] | $142.33 | 45.624% | 45.624% | 45.624% | [Redacted] | 700 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.490% | $350.00 | 1.0 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $232,039.31 | 44.620% | No | 31 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.33 | No | No | $0.00 | $6,335.88 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164445 | [Redacted] | [Redacted] | N/A | No | No | $3,039.14 | $3,039.14 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,360.96 | [Redacted] | $280.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.27 | [redacted] | $1,200,765.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 260.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164446 | [Redacted] | [Redacted] | N/A | No | No | $2,489.94 | $2,489.94 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,558.56 | [Redacted] | $129.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 93.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164469 | [Redacted] | [Redacted] | N/A | No | No | $1,841.21 | $1,841.21 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | 789 | 817 | 819 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.8 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $41,485.75 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164560 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,697.50 | $8,671.38 | 7.135% | $1,993.78 | $1,993.78 | 6.875% | No | No | Self-Employed | US Citizen | $16,490.87 | 1 | [Redacted] | $2,157.96 | [Redacted] | $179.83 | 36.720% | 36.720% | 36.720% | [Redacted] | 654 | No | Yes | 12 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,697.50 | 6.680% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $38,341.04 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.7 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164561 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,455.96 | [Redacted] | $121.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.05 | 0.48 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164985 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,652.22 | $4,477.97 | 7.567% | $1,424.32 | $1,424.32 | 7.375% | No | No | Self-Employed | US Citizen | $15,117.67 | 1 | [Redacted] | $740.88 | [Redacted] | $61.74 | 11.606% | 11.606% | 11.606% | [Redacted] | 788 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,652.22 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $131,404.08 | 50.970% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226165801 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,540.00 | $3,408.68 | 7.160% | $3,665.03 | $3,665.03 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $156,636.67 | 1 | [Redacted] | $475.08 | [Redacted] | $39.59 | 6.390% | 6.390% | 6.390% | [Redacted] | 790 | No | Yes | 24 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,540.00 | 6.680% | $0.00 | 1.9 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $542,486.43 | 79.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 81.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226165804 | [Redacted] | [Redacted] | N/A | No | No | $1,990.49 | $1,990.49 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $453.96 | [Redacted] | $37.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 674 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $273,106.84 | 54.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166026 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,011.81 | 6.986% | $745.89 | $745.89 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,432.91 | 1 | [Redacted] | $1,317.00 | [Redacted] | $109.75 | 31.321% | 31.321% | 31.321% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.720% | $1,750.00 | 1.1 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $73,601.00 | 17.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166027 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,986.80 | $15,483.15 | 6.979% | $7,620.37 | $7,620.37 | 6.875% | No | No | Self-Employed | US Citizen | $31,737.31 | 1 | [Redacted] | $8,803.80 | [Redacted] | $733.65 | 33.280% | 33.280% | 33.280% | [Redacted] | 797 | No | Yes | 12 | Business | 100.000% | 98.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 98.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,986.80 | 6.610% | $0.00 | 1.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $23,348.18 | 1.610% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.98 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166923 | [Redacted] | [Redacted] | N/A | No | No | $1,018.24 | $1,018.24 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $567.36 | [Redacted] | $47.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 81.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166924 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,350.00 | $3,856.92 | 7.457% | $2,486.43 | $2,486.43 | 7.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $6,716.32 | 1 | [Redacted] | $1,995.96 | [Redacted] | $166.33 | 49.916% | 49.916% | 49.916% | [Redacted] | 716 | No | Yes | 12 | Business | 68.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1998 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,350.00 | 6.610% | $0.00 | 2.5 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $129,321.11 | 28.730% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.55 | Yes | No | $0.00 | $4,232.67 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226166934 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,802.50 | $1,400.73 | 6.684% | $960.47 | $960.47 | 6.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,856.90 | 1 | [Redacted] | $1,635.72 | [Redacted] | $136.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,802.50 | 6.640% | $14,000.00 | 2.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $422,061.94 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 153.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226167128 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,567.25 | $9,590.65 | 10.015% | $5,236.14 | $5,236.14 | 9.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Venezuela (Bolivarian Republic of) | $176,540.97 | 1 | [Redacted] | $3,570.96 | [Redacted] | $297.58 | 4.264% | 4.264% | 4.264% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,567.25 | 6.610% | $2,500.00 | 1.5 | None | No | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $3,500.00 | 0.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 7.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226167631 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,090.00 | $17,000.64 | 7.682% | $14,155.87 | $14,155.87 | 7.625% | No | No | Self-Employed | US Citizen | $32,530.77 | 1 | [Redacted] | $10,086.12 | [Redacted] | $840.51 | 36.793% | 36.793% | 36.793% | [Redacted] | 691 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506 - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $11,090.00 | 6.680% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 83.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226167632 | [Redacted] | [Redacted] | N/A | No | No | $6,506.92 | $6,506.92 | 5.875% | No | No | US Citizen | 3 | [Redacted] | $5,415.00 | [Redacted] | $451.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.64 | 0.6 | [redacted] | $92,031.49 | 4.180% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226167633 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,235.47 | $11,947.71 | 8.555% | $2,866.07 | $2,866.07 | 8.250% | No | No | Non-Employment Income | US Citizen | $2,401.03 | 1 | [Redacted] | $972.00 | [Redacted] | $81.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 637 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $7,235.47 | 6.610% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $953,762.98 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 159.3 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226168117 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,743.00 | $16,077.55 | 7.724% | $4,558.88 | $4,558.88 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $41,457.61 | 1 | [Redacted] | $4,099.44 | [Redacted] | $341.62 | 22.624% | 22.624% | 22.624% | [Redacted] | 764 | No | Yes | 12 | Business | 100.000% | 40.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 40.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,743.00 | 6.680% | $0.00 | 4.5 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $25,785.68 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.57 | No | $32,147.59 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226168531 | [Redacted] | [Redacted] | N/A | No | No | $1,301.12 | $1,301.12 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,420.04 | [Redacted] | $201.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | 760 | 776 | 766 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $25,283.54 | 9.810% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226169268 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,052.50 | $13,955.13 | 9.179% | $2,655.11 | $2,655.11 | 8.750% | No | No | Self-Employed | US Citizen | $88,650.22 | 1 | [Redacted] | $3,000.96 | [Redacted] | $250.08 | 6.892% | 6.892% | 6.892% | [Redacted] | 750 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,052.50 | 6.720% | $2,000.00 | 1.2 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $91,442.09 | 24.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.74 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226169329 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,590.00 | $3,789.11 | 7.123% | $1,555.24 | $1,555.24 | 6.990% | No | No | Non-Employment Income | US Citizen | $3,548.77 | 1 | [Redacted] | $2,858.04 | [Redacted] | $238.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,590.00 | 6.680% | $0.00 | 4.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $554,856.39 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 177.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226170713 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,636.68 | 8.697% | $2,938.09 | $2,938.09 | 8.625% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $5,818.44 | 1 | [Redacted] | $734.04 | [Redacted] | $61.17 | 37.997% | 37.997% | 37.997% | [Redacted] | 697 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $0.00 | 3.7 | None | No | No | 8.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $882,613.52 | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 234.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226170976 | [Redacted] | [Redacted] | N/A | No | No | $865.88 | $865.88 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,280.40 | [Redacted] | $106.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $145,661.75 | 81.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226171443 | [Redacted] | [Redacted] | N/A | No | No | $1,707.66 | $1,707.66 | 6.625% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,127.16 | [Redacted] | $93.93 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | $168,997.81 | 44.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 54.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226171447 | [Redacted] | [Redacted] | N/A | No | No | $1,432.57 | $1,432.57 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,131.52 | [Redacted] | $260.96 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.97 | 1.03 | [redacted] | $5,000.00 | 1.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226172736 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,080.94 | $4,717.57 | 7.133% | $1,881.74 | $1,881.74 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $12,230.64 | 1 | [Redacted] | $953.76 | [Redacted] | $79.48 | 29.391% | 29.391% | 29.391% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,080.94 | 6.680% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $454,841.20 | 100.000% | No | 30 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 161.71 | No | No | $0.00 | $9,308.49 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226173185 | [Redacted] | [Redacted] | N/A | No | No | $1,428.82 | $1,428.82 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,937.16 | [Redacted] | $161.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 745 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $176,422.08 | 60.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 57.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226173188 | [Redacted] | [Redacted] | N/A | No | No | $1,196.34 | $1,196.34 | 6.990% | No | No | 0 | 0 | US Citizen | N/A | 1 | [Redacted] | $2,356.32 | [Redacted] | $196.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.1 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226173963 | [Redacted] | [Redacted] | N/A | No | No | $1,196.34 | $1,196.34 | 6.990% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $1,647.36 | [Redacted] | $137.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226178973 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,675.00 | $7,384.52 | 8.606% | $2,325.82 | $2,325.82 | 8.375% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $6,252.43 | 1 | [Redacted] | $922.68 | [Redacted] | $76.89 | 39.717% | 39.717% | 39.717% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $9,675.00 | 6.490% | $10,000.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 3 | 0 | 3 | 3 | 0.00 | No | [redacted] | $59,595.32 | 16.550% | No | 30 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | VISA | VISA | 10.63 | Yes | No | $0.00 | $4,750.00 | Yes | Yes | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226178981 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,100.08 | 6.664% | $5,250.55 | $5,250.55 | 6.625% | No | No | Employed | US Citizen | $9,377.83 | 1 | [Redacted] | $1,411.20 | [Redacted] | $117.60 | 49.985% | 49.985% | 49.985% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.610% | $4,750.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.625% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $218,800.46 | 19.440% | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179081 | [Redacted] | [Redacted] | N/A | No | No | $4,744.25 | $3,123.22 | 8.290% | $744.06 | $744.06 | 7.990% | No | No | Self-Employed | Permanent Resident Alien | $66,245.65 | 1 | [Redacted] | $855.24 | [Redacted] | $71.27 | 8.047% | 8.047% | 8.047% | [Redacted] | 646 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,744.25 | 6.680% | $8,700.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $132,239.69 | 91.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 59.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179082 | [Redacted] | [Redacted] | N/A | No | No | $6,611.33 | $6,611.33 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | US Citizen | 1 | [Redacted] | $4,694.28 | [Redacted] | $391.19 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | 793 | 772 | 779 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | $13,500.00 | 1.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179084 | [Redacted] | [Redacted] | N/A | No | No | $2,639.04 | $2,639.04 | 7.990% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,191.12 | [Redacted] | $99.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179089 | [Redacted] | [Redacted] | N/A | No | No | $832.04 | $832.04 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,643.64 | [Redacted] | $136.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.8 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $10,751.08 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 57.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179090 | [Redacted] | [Redacted] | N/A | No | No | $1,945.36 | $1,945.36 | 7.125% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,698.96 | [Redacted] | $141.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $285,508.98 | 74.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 70.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179092 | [Redacted] | [Redacted] | N/A | No | No | $2,302.52 | $2,302.52 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,974.12 | [Redacted] | $164.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.93 | 1.06 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.23 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179095 | [Redacted] | [Redacted] | N/A | No | No | $1,490.60 | $1,490.60 | 7.125% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $719.04 | [Redacted] | $59.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | 812 | 814 | 790 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179101 | [Redacted] | [Redacted] | N/A | No | No | $5,847.64 | $5,847.64 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $12,243.00 | [Redacted] | $1,020.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.46 | [redacted] | $2,306,827.02 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 268.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179102 | [Redacted] | [Redacted] | N/A | No | No | $677.46 | $677.46 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,159.44 | [Redacted] | $96.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $369,705.19 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 289.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179105 | [Redacted] | [Redacted] | N/A | No | No | $7,595.00 | $9,234.84 | 7.497% | $2,051.26 | $2,051.26 | 6.875% | No | No | Employed | US Citizen | $7,208.09 | 1 | [Redacted] | $468.00 | [Redacted] | $39.00 | 38.122% | 38.122% | 38.122% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,595.00 | 5.900% | $750.00 | 3.6 | DU | ApproveEligible | No | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $367,518.12 | 79.890% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.9 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226180380 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $9,519.84 | 7.402% | $8,015.63 | $10,988.46 | 7.637% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,730.79 | 1 | [Redacted] | $2,002.92 | [Redacted] | $166.91 | 41.890% | 35.428% | 41.890% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | 6.110% | $3,000.00 | 1.0 | None | Yes | No | 7.637% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $2,381,126.74 | 100.000% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 189.02 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226180546 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,970.00 | $1,864.20 | 7.542% | $4,302.08 | $5,796.73 | 7.866% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $6,903.15 | 1 | [Redacted] | $3,324.12 | [Redacted] | $277.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 824 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | No Ratio | 0 | 0 | 0 | [redacted] | $1,970.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.866% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,990,340.89 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 332.68 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226180612 | [Redacted] | [Redacted] | N/A | No | No | $8,841.00 | $8,841.00 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,676.00 | [Redacted] | $223.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 734 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.3 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $479,152.30 | 29.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226180618 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,444.85 | $6,324.50 | 7.670% | $1,002.80 | $1,002.80 | 7.250% | No | No | Self-Employed | US Citizen | $2,062.76 | 1 | [Redacted] | $169.32 | [Redacted] | $14.11 | 44.958% | 44.958% | 44.958% | [Redacted] | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,444.85 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 137.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226180619 | [Redacted] | [Redacted] | N/A | No | No | $1,728.04 | $1,728.04 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $3,153.00 | [Redacted] | $262.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $140,194.44 | 38.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226182537 | [Redacted] | [Redacted] | N/A | No | No | $1,841.21 | $1,841.21 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | Not Provided | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | 789 | 817 | 819 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $41,485.75 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183154 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,090.00 | $6,153.42 | 7.087% | $1,642.32 | $1,642.32 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $7,111.53 | 1 | [Redacted] | $2,514.60 | [Redacted] | $209.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,090.00 | 6.680% | $0.00 | 3.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $808,107.41 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 204.22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183156 | [Redacted] | [Redacted] | N/A | No | No | $1,326.44 | $1,326.44 | 8.990% | No | No | 0 | US Citizen | Not Provided | 2 | [Redacted] | $356.04 | [Redacted] | $29.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 662 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183193 | [Redacted] | [Redacted] | N/A | No | No | $1,255.08 | $1,255.08 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $654.96 | [Redacted] | $54.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183224 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,735.81 | $600.00 | 6.981% | $3,364.69 | $3,364.69 | 6.990% | No | No | Employed | Non-Employment Income | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $15,161.16 | 1 | [Redacted] | $4,745.40 | [Redacted] | $395.45 | 49.480% | 49.480% | 49.480% | [Redacted] | 724 | 782 | 808 | 785 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $16,735.81 | 6.610% | $196,232.33 | 5.0 | None | No | No | 6.990% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $259,161.82 | 38.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.09 | No | No | $7,584.03 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183234 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,957.40 | 7.157% | $5,046.88 | $6,653.97 | 7.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,244.32 | 1 | [Redacted] | $4,890.72 | [Redacted] | $407.56 | 36.334% | 29.623% | 36.334% | [Redacted] | 795 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Account Statements - 2026 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2025 [Borrower - | Non-Primary Income - Capital Gains]; Other - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.125% | 2 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Other | 240 | [redacted] | $1,943,536.16 | 100.000% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.1 | Yes | No | $6,056.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183248 | [Redacted] | [Redacted] | N/A | No | No | $912.79 | $912.79 | 8.250% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $1,218.24 | [Redacted] | $101.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $107,615.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183275 | [Redacted] | [Redacted] | N/A | No | No | $1,833.00 | $1,833.00 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.7 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $41,485.75 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183300 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,776.00 | $29,522.65 | 9.767% | $16,659.79 | $16,659.79 | 9.625% | No | No | Not Employed | Self-Employed | US Citizen | $33,264.78 | 2 | [Redacted] | $4,322.04 | [Redacted] | $360.17 | 39.913% | 39.913% | 39.913% | [Redacted] | 640 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 2 | 0 | 0 | [redacted] | $21,776.00 | 6.680% | $0.00 | 2.6 | None | No | No | 9.625% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.36 | No | $55,360.53 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183303 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,004.40 | $8,225.15 | 7.084% | $4,732.17 | $4,732.17 | 6.990% | No | No | Employed | US Citizen | $7,088.17 | 1 | [Redacted] | $2,450.04 | [Redacted] | $204.17 | 49.767% | 49.767% | 49.767% | [Redacted] | 768 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,004.40 | 6.530% | $2,000.00 | 1.5 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $858,882.52 | 96.500% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 126.09 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183304 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,194.40 | 7.018% | $3,998.42 | $3,998.42 | 6.990% | No | Yes | Not Employed | Employed | Non-Employment Income | 0 | US Citizen | US Citizen | US Citizen | $9,578.63 | 1 | [Redacted] | $7,884.84 | [Redacted] | $657.07 | 46.287% | 46.287% | 46.287% | [Redacted] | 771 | 791 | 786 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.530% | $18,100.00 | 3.1 | DU | ApproveEligible | No | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $244,888.95 | 32.560% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | 19.33 | Yes | No | $1,450.00 | $16,382.88 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183307 | [Redacted] | [Redacted] | N/A | No | No | $8,628.33 | $8,628.33 | 7.875% | No | No | 0 | US Citizen | N/A | 3 | [Redacted] | $5,613.72 | [Redacted] | $467.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | [redacted] | $7,008.95 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183308 | [Redacted] | [Redacted] | N/A | No | No | $1,961.52 | $1,961.52 | 7.375% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,629.96 | [Redacted] | $135.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $146,784.77 | 41.340% | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183350 | [Redacted] | [Redacted] | N/A | No | No | $1,865.48 | $1,865.48 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,215.72 | [Redacted] | $101.31 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $133,918.43 | 34.920% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 7.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183481 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,927.00 | $1,232.02 | 7.013% | $2,368.48 | $2,368.48 | 7.000% | No | No | Self-Employed | US Citizen | $7,467.64 | 1 | [Redacted] | $1,434.96 | [Redacted] | $119.58 | 38.901% | 38.901% | 38.901% | [Redacted] | 796 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,927.00 | 6.610% | $13,500.00 | 4.9 | None | No | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $110,270.03 | 24.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.12 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184953 | [Redacted] | [Redacted] | N/A | No | No | $17,047.50 | $11,329.15 | 7.518% | $1,157.84 | $1,157.84 | 6.875% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | United States of America | $3,959.41 | 1 | [Redacted] | $1,533.00 | [Redacted] | $127.75 | 25.413% | 25.413% | 25.413% | [Redacted] | 759 | No | No | [Coborrower(s) - | Primary Income - C-Corp]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - C-Corp]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Paystubs - 2026 [Coborrower(s) - | Primary Income - C-Corp]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2025 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2025 [Coborrower(s) - | Primary Income - C-Corp]; 1120 - 2024 [Coborrower(s) - | Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - C-Corp]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - C-Corp]; P&L Statement - 2025 [Coborrower(s) - | Non-Primary Income - C-Corp]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - C-Corp]; 1120 - 2024 [Coborrower(s) - | Non-Primary Income - C-Corp]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - C-Corp]; 1120 - 2023 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $17,047.50 | 6.410% | $0.00 | 4.0 | None | No | No | 6.875% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 119.76 | No | $5,283.59 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184954 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,392.25 | $2,452.21 | 7.125% | $7,444.59 | $7,444.59 | 7.125% | No | No | Self-Employed | US Citizen | $46,903.57 | 1 | [Redacted] | $6,326.04 | [Redacted] | $527.17 | 23.514% | 23.514% | 23.514% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,392.25 | 6.530% | $20,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,000.00 | 3.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.56 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184955 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,324.36 | $687.33 | 6.891% | $1,139.94 | $1,139.94 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,196.69 | 1 | [Redacted] | $2,334.00 | [Redacted] | $194.50 | 30.975% | 30.975% | 30.975% | [Redacted] | 812 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Other - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,324.36 | 6.490% | $9,944.50 | 2.6 | None | No | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 1 | 0.00 | No | [redacted] | $337,153.51 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 111.41 | Yes | No | $4,313.80 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184962 | [Redacted] | [Redacted] | N/A | No | No | $44,898.00 | $14,162.13 | 7.695% | $4,698.72 | $4,698.72 | 7.500% | No | No | Not Employed | Employed | US Citizen | $6,545.80 | 2 | [Redacted] | $2,783.04 | [Redacted] | $231.92 | 49.990% | 49.990% | 49.990% | [Redacted] | 726 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $44,898.00 | 6.720% | $10,000.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $229,593.64 | 27.330% | No | 16 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.62 | No | No | $0.00 | $10,763.90 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184964 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,024.00 | $7,786.00 | 7.192% | $1,524.07 | $1,524.07 | 6.875% | No | No | Self-Employed | US Citizen | $2,019.10 | 1 | [Redacted] | $1,218.96 | [Redacted] | $101.58 | 49.473% | 49.473% | 49.473% | [Redacted] | 803 | No | Yes | 12 | Personal | 91.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,024.00 | 6.490% | $0.00 | 2.6 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | [redacted] | $11,000.29 | No | 28 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184966 | [Redacted] | [Redacted] | Non QM | Yes | No | $795.00 | $2,115.38 | 7.034% | $2,126.82 | $2,126.82 | 6.990% | No | No | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | United States of America | United States of America | $10,674.28 | 1 | [Redacted] | $513.00 | [Redacted] | $42.75 | 25.269% | 25.269% | 25.269% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $795.00 | 6.680% | $0.00 | 1.2 | None | Yes | No | 6.990% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $98,938.78 | 19.780% | No | 32 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization, Passport, VISA | Employment Authorization, Passport, VISA | 2.93 | No | $0.00 | $6,365.43 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184975 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $5,033.56 | 7.248% | $2,263.69 | $2,263.69 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,602.17 | 1 | [Redacted] | $2,082.96 | [Redacted] | $173.58 | 42.383% | 42.383% | 42.383% | [Redacted] | 748 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2015 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.680% | $25,730.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,415,290.29 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 277.6 | No | $3,457.90 | $0.00 | No | No | No | No | 1 | 360 | AE | 10/30/2026 | $2,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184977 | [Redacted] | [Redacted] | N/A | No | No | $1,310.98 | $1,310.98 | 6.990% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $605.76 | [Redacted] | $50.48 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | $192,680.00 | 73.260% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 72.68 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184978 | [Redacted] | [Redacted] | N/A | No | No | $7,714.06 | $8,844.15 | 7.570% | $1,816.29 | $1,816.29 | 7.250% | No | No | Self-Employed | US Citizen | $18,244.75 | 1 | [Redacted] | $2,253.24 | [Redacted] | $187.77 | 36.846% | 36.846% | 36.846% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,714.06 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.81 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184994 | [Redacted] | [Redacted] | N/A | No | No | $920.94 | $920.94 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $806.04 | [Redacted] | $67.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | [redacted] | $3,013.60 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226184995 | [Redacted] | [Redacted] | N/A | No | No | $1,185.74 | $1,185.74 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $906.00 | [Redacted] | $75.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $104,743.31 | 47.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185040 | [Redacted] | [Redacted] | N/A | No | No | $3,195.00 | $4,024.26 | 7.351% | $1,111.64 | $1,111.64 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $17,784.81 | 1 | [Redacted] | $764.04 | [Redacted] | $63.67 | 31.590% | 31.590% | 31.590% | [Redacted] | 777 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,195.00 | 6.610% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $435,570.56 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 209.13 | No | No | $25,997.29 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185185 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,037.05 | $0.00 | 8.099% | $7,116.84 | $7,116.84 | 8.125% | No | No | Self-Employed | US Citizen | $42,214.71 | 1 | [Redacted] | $3,537.00 | [Redacted] | $294.75 | 26.863% | 26.863% | 26.863% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,037.05 | 6.710% | $28,025.48 | 3.8 | None | Yes | No | 8.125% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $22,555.87 | 2.110% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185273 | [Redacted] | [Redacted] | Non QM | Yes | No | $23,043.00 | $26,145.88 | 7.203% | $4,934.85 | $4,934.85 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | $17,566.21 | 1 | [Redacted] | $1,414.32 | [Redacted] | $117.86 | 38.449% | 38.449% | 38.449% | [Redacted] | 797 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $23,043.00 | 6.680% | $0.00 | 1.8 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $218,752.26 | 23.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 15.95 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185337 | [Redacted] | [Redacted] | N/A | No | No | $4,588.62 | $4,588.62 | 7.750% | No | No | US Citizen | 4 | [Redacted] | $7,337.28 | [Redacted] | $611.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | $40,863.82 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185338 | [Redacted] | [Redacted] | N/A | No | No | $34,680.00 | $9,676.06 | 7.661% | $3,739.05 | $3,739.05 | 7.500% | No | No | Employed | Non-Permanent Resident Alien | Mexico | $35,471.02 | 1 | [Redacted] | $528.96 | [Redacted] | $44.08 | 28.443% | 28.443% | 28.443% | [Redacted] | 751 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $34,680.00 | 6.680% | $257.56 | 999.0 | None | Yes | No | 7.500% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $404,122.28 | 56.670% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 36.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185339 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,841.58 | 7.194% | $2,021.16 | $2,021.16 | 7.125% | No | No | Not Employed | Employed | Employed | 3.06 | US Citizen | Non-Permanent Resident Alien | Canada | $25,683.48 | 1 | [Redacted] | $1,923.96 | [Redacted] | $160.33 | 24.944% | 24.944% | 24.944% | [Redacted] | 762 | 772 | 756 | 762 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.680% | $8,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $198,007.34 | 49.500% | No | 25 | 30 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 25.81 | No | No | $0.00 | $34,219.26 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185344 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,495.00 | $26,368.86 | 7.997% | $12,713.61 | $12,713.61 | 7.875% | No | No | Self-Employed | US Citizen | $23,237.53 | 1 | [Redacted] | $4,092.60 | [Redacted] | $341.05 | 42.995% | 42.995% | 42.995% | [Redacted] | 788 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 41.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,495.00 | 6.530% | $0.00 | 2.9 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $326,139.48 | 16.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 14.03 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185563 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,355.16 | $18,604.82 | 7.243% | $3,126.99 | $3,126.99 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $23,655.35 | 1 | [Redacted] | $845.64 | [Redacted] | $70.47 | 20.070% | 20.070% | 20.070% | [Redacted] | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Expense Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $15,355.16 | 6.680% | $0.00 | 2.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | [redacted] | $183,879.36 | 30.900% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 6.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226186525 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,040.00 | $11,406.89 | 7.379% | $2,829.62 | $2,829.62 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $7,984.18 | 1 | [Redacted] | $2,114.04 | [Redacted] | $176.17 | 33.274% | 33.274% | 33.274% | [Redacted] | 806 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2019 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,040.00 | 6.720% | $0.00 | 4.1 | None | No | No | 7.125% | 0 | 2 | 0 | 2 | 2 | 7.00 | No | [redacted] | $90,076.17 | 12.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 8.58 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226187378 | [Redacted] | [Redacted] | N/A | No | No | $3,099.11 | $3,099.11 | 7.125% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,847.04 | [Redacted] | $153.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.84 | 0.54 | [redacted] | $50,000.00 | 8.690% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226189867 | [Redacted] | [Redacted] | N/A | No | No | $1,999.04 | $1,999.04 | 6.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,926.00 | [Redacted] | $160.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.01 | [redacted] | $581,233.53 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 88.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226189870 | [Redacted] | [Redacted] | N/A | No | No | $1,674.99 | $1,674.99 | 6.500% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $4,640.04 | [Redacted] | $386.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.54 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 72.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226190725 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,670.13 | $14,540.78 | 10.236% | $2,899.65 | $2,899.65 | 9.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,524.63 | 1 | [Redacted] | $2,265.72 | [Redacted] | $188.81 | 45.710% | 45.710% | 45.710% | [Redacted] | 623 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,670.13 | 6.610% | $0.00 | 3.6 | None | No | No | 9.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $218,921.57 | 48.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 20.52 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226193968 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,185.80 | $6,231.06 | 7.182% | $5,373.58 | $5,373.58 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $168,368.37 | 1 | [Redacted] | $2,170.20 | [Redacted] | $180.85 | 9.098% | 9.098% | 9.098% | [Redacted] | 758 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,185.80 | 6.680% | $2,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $9,970.00 | 1.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 201.36 | No | No | $185,220.05 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226193996 | [Redacted] | [Redacted] | N/A | No | No | $7,208.90 | $7,208.90 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $5,982.00 | [Redacted] | $498.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $254,100.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.6 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194604 | [Redacted] | [Redacted] | N/A | No | No | $1,993.89 | $1,993.89 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $7,730.64 | [Redacted] | $644.22 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.7 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 83.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AH | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194607 | [Redacted] | [Redacted] | N/A | No | No | $5,034.58 | $5,034.58 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,664.04 | [Redacted] | $138.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | 816 | 816 | 807 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | [redacted] | $411,909.82 | 40.780% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.97 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194609 | [Redacted] | [Redacted] | N/A | No | No | $678.29 | $678.29 | 8.990% | No | No | US Citizen | 2 | [Redacted] | $1,764.96 | [Redacted] | $147.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [redacted] | $49,335.45 | 43.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194611 | [Redacted] | [Redacted] | N/A | No | No | $913.43 | $913.43 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $926.04 | [Redacted] | $77.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194613 | [Redacted] | [Redacted] | N/A | No | No | $1,833.00 | $1,833.00 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $36,300.03 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194614 | [Redacted] | [Redacted] | N/A | No | No | $1,826.68 | $1,826.68 | 6.500% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 1 | [Redacted] | $1,830.96 | [Redacted] | $152.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $41,485.75 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194619 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,109.80 | $19,650.49 | 7.993% | $2,817.29 | $2,817.29 | 7.500% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $8,155.89 | 1 | [Redacted] | $1,368.00 | [Redacted] | $114.00 | 39.673% | 39.673% | 39.673% | [Redacted] | 686 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $18,109.80 | 6.640% | $0.00 | 1.1 | None | No | No | 7.500% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 4 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.85 | No | No | $6,202.30 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194620 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,990.00 | $15,809.42 | 7.250% | $2,627.72 | $2,627.72 | 6.875% | No | No | Self-Employed | US Citizen | $3,793.05 | 1 | [Redacted] | $1,079.04 | [Redacted] | $89.92 | 48.011% | 48.011% | 48.011% | [Redacted] | 739 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,990.00 | 6.680% | $0.00 | 3.7 | None | No | No | 6.875% | 0 | 2 | 0 | 2 | 2 | 7.00 | No | [redacted] | $334,777.65 | 48.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194621 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,170.00 | $4,726.02 | 7.602% | $2,412.29 | $2,412.29 | 7.500% | No | Yes | Not Employed | Non-Employment Income | US Citizen | US Citizen | $34,558.39 | 1 | [Redacted] | $2,085.00 | [Redacted] | $173.75 | 15.178% | 15.178% | 15.178% | [Redacted] | 771 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $3,170.00 | 6.640% | $0.00 | 1.1 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $4,018,519.52 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1319.52 | No | No | $40,742.08 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194623 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,480.36 | $9,305.02 | 8.062% | $3,328.07 | $3,328.07 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,251.69 | 1 | [Redacted] | $2,510.04 | [Redacted] | $209.17 | 49.622% | 49.622% | 49.622% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,480.36 | 6.720% | $0.00 | 3.0 | None | Yes | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $127,912.74 | 23.680% | No | 5 | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.15 | Yes | No | $0.00 | $7,603.75 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194624 | [Redacted] | [Redacted] | N/A | No | No | $28,315.00 | $9,112.17 | 7.319% | $2,829.62 | $2,829.62 | 7.125% | No | No | Not Employed | Self-Employed | US Citizen | $637,478.42 | 1 | [Redacted] | $4,421.04 | [Redacted] | $368.42 | 23.684% | 23.684% | 23.684% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2023 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $28,315.00 | 6.720% | $0.00 | 1.3 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $763,565.97 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 173.26 | No | No | $835,313.01 | $0.00 | No | No | No | No | 18 | 360 | AH | 07/31/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194626 | [Redacted] | [Redacted] | N/A | No | No | $4,342.50 | $6,933.42 | 7.050% | $1,394.49 | $1,394.49 | 6.750% | No | No | Employed | US Citizen | $4,305.93 | 1 | [Redacted] | $1,914.96 | [Redacted] | $159.58 | 48.925% | 48.925% | 48.925% | [Redacted] | 718 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,342.50 | 6.720% | $0.00 | 1.4 | LP / LPA | Accept/Eligible | Yes | No | 6.750% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,095.28 | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194628 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,780.00 | $4,493.10 | 7.620% | $2,359.85 | $2,359.85 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $7,507.52 | 1 | [Redacted] | $2,133.00 | [Redacted] | $177.75 | 37.437% | 37.437% | 37.437% | [Redacted] | 774 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,780.00 | 6.680% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.500% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 31 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.14 | No | $0.00 | $4,833.34 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194629 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,516.00 | $18,844.46 | 7.023% | $2,919.82 | $2,919.82 | 6.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,005.56 | 1 | [Redacted] | $1,163.04 | [Redacted] | $96.92 | 49.530% | 49.530% | 49.530% | [Redacted] | 733 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $8,516.00 | 6.680% | $0.00 | 3.3 | None | No | No | 6.625% | 1 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $17,191.91 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194634 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,305.00 | $5,811.90 | 7.659% | $1,353.72 | $1,353.72 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $33,762.68 | 1 | [Redacted] | $2,354.04 | [Redacted] | $196.17 | 30.384% | 30.384% | 30.384% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,305.00 | 6.640% | $0.00 | 2.1 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $2,300.00 | 0.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 213.91 | No | No | $48,498.15 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194636 | [Redacted] | [Redacted] | N/A | No | No | $794.28 | $794.28 | 7.375% | No | No | US Citizen | 2 | [Redacted] | $1,125.00 | [Redacted] | $93.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $26,507.82 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194641 | [Redacted] | [Redacted] | N/A | No | No | $1,083.93 | $1,083.93 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,071.48 | [Redacted] | $89.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | $260,466.99 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 156.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194646 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,790.00 | $12,962.00 | 7.111% | $5,981.68 | $5,981.68 | 6.990% | No | No | Non-Employment Income | US Citizen | $15,051.28 | 1 | [Redacted] | $2,562.00 | [Redacted] | $213.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $9,790.00 | 6.710% | $0.00 | 3.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $4,151,269.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 144.97 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194648 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,413.80 | $5,516.80 | 7.171% | $6,031.13 | $6,031.13 | 7.125% | No | No | Self-Employed | US Citizen | $98,948.50 | 1 | [Redacted] | $1,875.00 | [Redacted] | $156.25 | 7.593% | 7.593% | 7.593% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,413.80 | 6.640% | $2,222.96 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $204,018.38 | 18.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194649 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,640.00 | $3,904.74 | 8.149% | $716.41 | $716.41 | 7.750% | No | No | Employed | US Citizen | $3,967.41 | 1 | [Redacted] | $1,415.04 | [Redacted] | $117.92 | 36.818% | 36.818% | 36.818% | [Redacted] | 816 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,640.00 | 6.610% | $0.00 | 3.0 | None | Yes | No | 7.750% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $133,454.33 | 76.250% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.15 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194653 | [Redacted] | [Redacted] | N/A | No | No | $1,015.08 | $1,015.08 | 5.875% | No | No | US Citizen | 1 | [Redacted] | $799.68 | [Redacted] | $66.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.7 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $132,322.02 | 61.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 13 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194654 | [Redacted] | [Redacted] | N/A | No | No | $2,525.60 | $2,525.60 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $2,346.60 | [Redacted] | $195.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [redacted] | $63,380.08 | 13.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194655 | [Redacted] | [Redacted] | N/A | No | No | $7,694.80 | $7,694.80 | 7.875% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $4,494.48 | [Redacted] | $374.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.46 | 2.15 | [redacted] | $353,748.55 | 24.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194667 | [Redacted] | [Redacted] | N/A | No | No | $3,181.74 | $3,181.74 | 6.375% | No | No | Permanent Resident Alien | Permanent Resident Alien | 1 | [Redacted] | $975.96 | [Redacted] | $81.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $432,664.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 236.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194730 | [Redacted] | [Redacted] | N/A | No | No | $7,077.23 | $7,077.23 | 7.625% | No | No | US Citizen | 3 | [Redacted] | $4,316.04 | [Redacted] | $359.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $182,169.67 | 14.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.55 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194754 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,103.80 | $1,140.01 | 6.774% | $1,624.35 | $1,624.35 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $30,693.85 | 1 | [Redacted] | $1,207.56 | [Redacted] | $100.63 | 13.650% | 13.650% | 13.650% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,103.80 | 6.680% | $10,000.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $365,403.99 | 69.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.04 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194959 | [Redacted] | [Redacted] | N/A | No | No | $1,648.02 | $1,648.02 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,080.12 | [Redacted] | $90.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $283,464.41 | 91.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196192 | [Redacted] | [Redacted] | N/A | No | No | $1,446.37 | $1,446.37 | 6.750% | No | No | 0 | 0 | Permanent Resident Alien | US Citizen | US Citizen | 1 | [Redacted] | $1,357.92 | [Redacted] | $113.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196196 | [Redacted] | [Redacted] | N/A | No | No | $4,567.85 | $4,567.85 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $3,969.84 | [Redacted] | $330.82 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $466,410.89 | 55.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196230 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,850.00 | $3,747.91 | 6.936% | $3,202.53 | $3,202.53 | 6.875% | No | Yes | Self-Employed | Employed | Employed | 0.65 | US Citizen | US Citizen | US Citizen | $9,730.60 | 1 | [Redacted] | $1,689.96 | [Redacted] | $140.83 | 46.821% | 46.821% | 46.821% | [Redacted] | 742 | 781 | 821 | 778 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,850.00 | 6.720% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 0 | 1 | 2 | 0 | 2 | 0 | No | [redacted] | $83,110.94 | 12.780% | No | 18 | 6 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.37 | No | No | $0.00 | $16,310.66 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196785 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,675.00 | $9,461.72 | 6.971% | $5,097.77 | $5,097.77 | 6.875% | No | No | Self-Employed | US Citizen | $13,793.90 | 1 | [Redacted] | $4,179.96 | [Redacted] | $348.33 | 42.387% | 42.387% | 42.387% | [Redacted] | 706 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $6,675.00 | 6.680% | $0.00 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $10,033.68 | 1.030% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 30.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196903 | [Redacted] | [Redacted] | N/A | No | No | $1,145.32 | $1,145.32 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,196.04 | [Redacted] | $99.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $98,440.30 | 42.800% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196912 | [Redacted] | [Redacted] | N/A | No | No | $2,102.17 | $2,102.17 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $2,062.56 | [Redacted] | $171.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $1,490,561.58 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 186.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197426 | [Redacted] | [Redacted] | N/A | No | No | $4,108.44 | $4,108.44 | 6.500% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $639.00 | [Redacted] | $53.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | 792 | 796 | 775 | 793 | 791 | 786 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.1 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.3 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197452 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $3,435.92 | 6.955% | $2,167.87 | $2,167.87 | 6.875% | No | No | Employed | US Citizen | $11,223.64 | 1 | [Redacted] | $2,990.40 | [Redacted] | $249.20 | 35.865% | 35.865% | 35.865% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; Transcripts (1040) - 2026 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.680% | $0.00 | 1.0 | None | No | No | 6.875% | 2 | 0 | 0 | 2 | 1 | 0.00 | No | [redacted] | $394,197.54 | 61.590% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197591 | [Redacted] | [Redacted] | N/A | No | No | $1,200.63 | $1,200.63 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $783.00 | [Redacted] | $65.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $168,022.61 | 76.370% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197601 | [Redacted] | [Redacted] | N/A | No | No | $17,206.50 | $8,476.00 | 7.372% | $1,445.57 | $1,445.57 | 6.990% | No | No | Employed | US Citizen | $8,172.40 | 1 | [Redacted] | $338.64 | [Redacted] | $28.22 | 36.525% | 36.525% | 36.525% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $17,206.50 | 6.570% | $0.00 | 1.0 | None | Yes | No | 6.990% | 3 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $268,270.89 | 92.500% | No | 27 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197625 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $1,065.09 | 6.874% | $3,481.72 | $3,481.72 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $6,752.38 | 1 | [Redacted] | $1,488.96 | [Redacted] | $124.08 | 45.156% | 45.156% | 45.156% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.680% | $4,861.20 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 1 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $623,952.13 | 54.300% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.69 | No | No | $0.00 | $3,978.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197947 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,049.37 | $6,432.93 | 7.414% | $1,414.30 | $1,414.30 | 7.125% | No | Yes | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $2,989.46 | 1 | [Redacted] | $840.00 | [Redacted] | $70.00 | 48.906% | 48.906% | 48.906% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2006 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $5,049.37 | 6.640% | $500.00 | 1.0 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $114,047.94 | 40.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 19.31 | Yes | No | $1,877.68 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198094 | [Redacted] | [Redacted] | N/A | No | No | $1,419.89 | $1,419.89 | 6.750% | No | No | Foreign National | Foreign National | 1 | [Redacted] | $1,032.24 | [Redacted] | $86.02 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $128,886.33 | 44.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | 23.24 | No | $0.00 | $0.00 | Yes | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198100 | [Redacted] | [Redacted] | N/A | No | No | $776.10 | $776.10 | 5.875% | No | No | US Citizen | 1 | [Redacted] | $848.76 | [Redacted] | $70.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | $132,322.02 | 70.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198330 | [Redacted] | [Redacted] | N/A | No | No | $1,249.51 | $1,249.51 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,425.36 | [Redacted] | $118.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $63,210.34 | 26.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198467 | [Redacted] | [Redacted] | N/A | No | No | $1,894.00 | $1,894.00 | 6.625% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $1,038.24 | [Redacted] | $86.52 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 62.81 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198477 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,654.61 | $51,206.64 | 7.042% | $10,794.42 | $10,794.42 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $18,481.46 | 1 | [Redacted] | $1,293.48 | [Redacted] | $107.79 | 45.138% | 45.138% | 45.138% | [Redacted] | 733 | Yes | No | [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Trust Income]; Account Statements - 2026 [Borrower - | Primary Income - Trust Income]; Trust Agreement - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $12,654.61 | 6.720% | ($2,500.00) | 2.9 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,999,355.69 | 90.100% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 103.16 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198483 | [Redacted] | [Redacted] | N/A | No | No | $3,205.90 | $3,205.90 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,547.04 | [Redacted] | $128.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.9 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.1 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.37 | Yes | 20.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198484 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,224.88 | $4,704.21 | 7.566% | $1,557.47 | $1,557.47 | 7.375% | No | No | Self-Employed | US Citizen | $4,785.50 | 1 | [Redacted] | $1,479.00 | [Redacted] | $123.25 | 36.589% | 36.589% | 36.589% | [Redacted] | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,224.88 | 6.680% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $8,809.49 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.92 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198486 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,193.15 | $4,173.99 | 8.536% | $1,834.81 | $1,834.81 | 8.375% | No | No | Self-Employed | US Citizen | $11,235.82 | 1 | [Redacted] | $2,361.96 | [Redacted] | $196.83 | 22.688% | 22.688% | 22.688% | [Redacted] | 752 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,193.15 | 6.640% | $0.00 | 1.0 | None | No | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $41,534.62 | 14.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198490 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,615.00 | $235.48 | 6.986% | $1,701.46 | $1,701.46 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,166.74 | 1 | [Redacted] | $846.96 | [Redacted] | $70.58 | 24.093% | 24.093% | 24.093% | [Redacted] | 794 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,615.00 | 6.640% | $13,846.91 | 1.4 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $71,832.12 | 22.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.11 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198780 | [Redacted] | [Redacted] | N/A | No | No | $1,633.42 | $1,633.42 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $936.96 | [Redacted] | $78.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $218,639.85 | 76.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 81.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226199692 | [Redacted] | [Redacted] | N/A | No | No | $1,174.68 | $1,174.68 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,141.28 | [Redacted] | $178.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226199818 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,781.06 | $632.90 | 7.872% | $2,126.27 | $2,126.27 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $9,645.84 | 1 | [Redacted] | $1,427.04 | [Redacted] | $118.92 | 22.528% | 22.528% | 22.528% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,781.06 | 6.720% | $14,850.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $14,338.97 | 4.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 7.5 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200186 | [Redacted] | [Redacted] | N/A | No | No | $1,872.25 | $1,872.25 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,504.80 | [Redacted] | $125.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.4 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [redacted] | $204,870.75 | 53.910% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200236 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,350.48 | 7.039% | $2,345.24 | $2,345.24 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,768.66 | 2 | [Redacted] | $1,177.92 | [Redacted] | $98.16 | 43.982% | 43.982% | 43.982% | [Redacted] | 799 | No | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.640% | $0.00 | None | No | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,130,184.60 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 458.03 | Yes | No | $1,232.83 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200277 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,900.86 | 7.185% | $3,465.94 | $3,465.94 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,178.26 | 1 | [Redacted] | $2,065.20 | [Redacted] | $172.10 | 44.244% | 44.244% | 44.244% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $1,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $504,645.20 | 68.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.82 | Yes | No | $4,791.93 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200356 | [Redacted] | [Redacted] | N/A | No | No | $1,023.26 | $1,023.26 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $465.60 | [Redacted] | $38.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | 775 | 770 | 781 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $444,480.64 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 373.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200421 | [Redacted] | [Redacted] | Non QM | Yes | No | $61,770.00 | $65,997.30 | 7.243% | $16,589.19 | $16,589.19 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $281,447.03 | 1 | [Redacted] | $12,916.56 | [Redacted] | $1,076.38 | 14.042% | 14.042% | 14.042% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 5.000% | 20.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 5.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 5.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 5.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 5.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $61,770.00 | 6.640% | $10,000.00 | 1.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $1,066,739.42 | 33.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.65 | Yes | No | $261,938.84 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/25/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200480 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,408.53 | 7.325% | $3,820.19 | $3,820.19 | 7.250% | No | No | Self-Employed | US Citizen | $8,061.95 | 1 | [Redacted] | $3,246.00 | [Redacted] | $270.50 | 44.599% | 44.599% | 44.599% | [Redacted] | 701 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Business License - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.640% | $0.00 | 2.6 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $186,650.29 | 26.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200767 | [Redacted] | [Redacted] | N/A | No | No | $1,595.00 | $2,811.08 | 8.088% | $1,906.71 | $1,906.71 | 7.990% | No | No | Employed | US Citizen | $5,845.43 | 1 | [Redacted] | $510.36 | [Redacted] | $42.53 | 40.183% | 40.183% | 40.183% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.640% | $6,000.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $147,606.42 | 48.230% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200812 | [Redacted] | [Redacted] | N/A | No | No | $914.54 | $914.54 | 8.750% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $897.00 | [Redacted] | $74.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 11.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226200813 | [Redacted] | [Redacted] | N/A | No | No | $3,705.08 | $3,705.08 | 6.875% | No | No | US Citizen | 3 | [Redacted] | $1,986.12 | [Redacted] | $165.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $245,620.87 | 34.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226201112 | [Redacted] | [Redacted] | N/A | No | No | $1,508.59 | $1,508.59 | 7.125% | No | No | 0 | US Citizen | 1 | [Redacted] | $1,971.96 | [Redacted] | $164.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $497,217.25 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 212.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226201466 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,390.00 | $25,492.58 | 7.500% | $13,053.76 | $13,053.76 | 7.375% | No | No | Self-Employed | US Citizen | $525,442.44 | 1 | [Redacted] | $10,220.04 | [Redacted] | $851.67 | 3.642% | 3.642% | 3.642% | [Redacted] | 693 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,390.00 | 6.610% | $0.00 | 2.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $1,063,740.26 | 39.390% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226201474 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,835.00 | $21,579.14 | 7.279% | $8,623.60 | $8,623.60 | 7.125% | No | No | Non-Employment Income | US Citizen | $11,916.85 | 1 | [Redacted] | $3,679.44 | [Redacted] | $306.62 | 47.035% | 47.035% | 47.035% | [Redacted] | 809 | Yes | No | [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,835.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,261,308.18 | 78.830% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.38 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226201540 | [Redacted] | [Redacted] | N/A | No | No | $1,335.93 | $1,335.93 | 7.000% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $1,365.96 | [Redacted] | $113.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $175,973.57 | 61.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 47.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226202482 | [Redacted] | [Redacted] | N/A | No | No | $44,115.00 | $19,869.86 | 9.598% | $4,997.75 | $4,997.75 | 9.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $30,851.75 | 1 | [Redacted] | $2,814.84 | [Redacted] | $234.57 | 29.108% | 29.108% | 29.108% | [Redacted] | 692 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $44,115.00 | 6.720% | $0.00 | 1.0 | None | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.59 | No | No | $43,519.28 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226203457 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,595.00 | $9,249.73 | 6.937% | $7,224.11 | $7,224.11 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $210,205.50 | 1 | [Redacted] | $5,400.00 | [Redacted] | $450.00 | 8.286% | 8.286% | 8.286% | [Redacted] | 749 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,595.00 | 6.680% | $4,116.80 | 2.2 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $456,081.74 | 33.170% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 17.34 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204058 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,328.14 | $21,526.50 | 8.138% | $10,225.16 | $10,225.16 | 7.990% | No | No | Self-Employed | US Citizen | $50,327.65 | 1 | [Redacted] | $11,044.80 | [Redacted] | $920.40 | 29.834% | 29.834% | 29.834% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $18,328.14 | 6.640% | $0.00 | 1.7 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $246,246.09 | 15.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204078 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,894.00 | $1,894.83 | 7.304% | $1,910.09 | $1,910.09 | 7.250% | No | No | Self-Employed | US Citizen | $2,820.60 | 1 | [Redacted] | $1,046.88 | [Redacted] | $87.24 | 48.822% | 48.822% | 48.822% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,894.00 | 6.520% | $54,470.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $55,050.92 | 15.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.46 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204102 | [Redacted] | [Redacted] | N/A | No | No | $1,807.80 | $1,807.80 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,302.60 | [Redacted] | $108.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.9 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $491,645.56 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 185.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204104 | [Redacted] | [Redacted] | N/A | No | No | $2,685.11 | $2,685.11 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $979.44 | [Redacted] | $81.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $273,240.54 | 54.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204105 | [Redacted] | [Redacted] | N/A | No | No | $1,918.62 | $1,918.62 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,707.96 | [Redacted] | $142.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204107 | [Redacted] | [Redacted] | N/A | No | No | $5,355.21 | $5,355.21 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | 240 | [redacted] | $719,569.64 | 44.410% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204108 | [Redacted] | [Redacted] | N/A | No | No | $1,453.76 | $1,453.76 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $540.96 | [Redacted] | $45.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 127.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204110 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,590.48 | $4,383.47 | 7.706% | $3,872.34 | $3,872.34 | 7.625% | No | No | Self-Employed | US Citizen | $19,525.29 | 1 | [Redacted] | $1,677.96 | [Redacted] | $139.83 | 28.260% | 28.260% | 28.260% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,590.48 | 6.720% | $17,970.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $21,099.18 | 3.470% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204150 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,176.00 | $7,620.55 | 7.264% | $1,794.50 | $1,794.50 | 6.990% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $16,135.26 | 1 | [Redacted] | $1,225.32 | [Redacted] | $102.11 | 41.537% | 41.537% | 41.537% | [Redacted] | 724 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,176.00 | 6.680% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 0 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $60,094.54 | 16.690% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.96 | No | No | $8,983.68 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204152 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $0.00 | 6.735% | $3,398.65 | $3,398.65 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $5,293.17 | 1 | [Redacted] | $1,844.04 | [Redacted] | $153.67 | 46.802% | 46.802% | 46.802% | [Redacted] | 787 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $15,000.00 | 1.0 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $503,545.46 | 76.870% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.47 | No | No | $0.00 | $2,684.24 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204159 | [Redacted] | [Redacted] | N/A | No | No | $998.87 | $998.87 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $386.04 | [Redacted] | $32.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $83,399.59 | 42.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204235 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,720.00 | $11,806.05 | 7.216% | $3,323.16 | $3,323.16 | 6.990% | No | No | Employed | Self-Employed | US Citizen | Permanent Resident Alien | $4,968.34 | 1 | [Redacted] | $2,745.96 | [Redacted] | $228.83 | 48.106% | 48.106% | 48.106% | [Redacted] | 711 | No | Yes | 24 | Personal | 35.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 2.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,720.00 | 6.610% | $385,000.00 | 1.8 | None | Yes | No | 6.990% | 2 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $43,498.87 | 4.940% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 4.05 | No | No | $2,888.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226204236 | [Redacted] | [Redacted] | N/A | No | No | $1,703.03 | $1,703.03 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $730.68 | [Redacted] | $60.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | 240 | [redacted] | $139,202.38 | 40.860% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 155.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226207477 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,197.00 | $12,032.60 | 7.269% | $5,255.00 | $5,255.00 | 7.125% | No | No | Non-Employment Income | US Citizen | $7,937.15 | 1 | [Redacted] | $851.04 | [Redacted] | $70.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,197.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,248,391.09 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 150.47 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226207501 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,302.50 | $6,012.07 | 7.704% | $895.36 | $895.36 | 7.250% | No | No | Employed | US Citizen | $5,947.06 | 1 | [Redacted] | $446.16 | [Redacted] | $37.18 | 22.749% | 22.749% | 22.749% | [Redacted] | 742 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,302.50 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $10,914.05 | 6.230% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226208311 | [Redacted] | [Redacted] | N/A | No | No | $12,724.00 | $4,933.21 | 7.502% | $1,069.38 | $1,069.38 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,209.14 | 1 | [Redacted] | $5,231.76 | [Redacted] | $435.98 | 45.712% | 45.712% | 46.695% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,724.00 | 6.640% | $0.00 | 1.8 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.04 | Yes | No | $33,541.83 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226208358 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,388.70 | $8,933.84 | 8.285% | $2,243.19 | $2,243.19 | 7.990% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $5,017.50 | 1 | [Redacted] | $2,101.92 | [Redacted] | $175.16 | 38.812% | 38.812% | 38.812% | [Redacted] | 641 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $7,388.70 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $12,421.89 | No | 26 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.42 | No | $0.00 | $6,876.18 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226208599 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,228.68 | $1,208.00 | 7.745% | $4,688.92 | $4,688.92 | 7.750% | No | No | Self-Employed | US Citizen | $8,257.35 | 1 | [Redacted] | $1,314.00 | [Redacted] | $109.50 | 40.104% | 40.104% | 40.104% | [Redacted] | 730 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,228.68 | 6.680% | $25,929.01 | 2.5 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $93,461.85 | 12.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226211883 | [Redacted] | [Redacted] | N/A | No | No | $948.10 | $948.10 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,161.48 | [Redacted] | $96.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $84,166.78 | 37.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226212065 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,233.94 | 7.173% | $2,506.23 | $2,506.23 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,416.71 | 1 | [Redacted] | $1,987.32 | [Redacted] | $165.61 | 49.077% | 49.077% | 49.077% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2026 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Annuity]; 1099 - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.720% | $8,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.125% | 0 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $381,715.33 | 82.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 125.26 | No | No | $3,539.44 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226212108 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $5,851.95 | 7.178% | $6,063.47 | $6,063.47 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $24,006.13 | 1 | [Redacted] | $3,081.00 | [Redacted] | $256.75 | 27.187% | 27.187% | 27.187% | [Redacted] | 804 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $0.00 | 3.2 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,597,515.73 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 294.58 | Yes | No | $3,717.10 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226212109 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,809.50 | $23,774.39 | 7.498% | $4,298.32 | $4,298.32 | 7.125% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $9,365.84 | 1 | [Redacted] | $4,167.96 | [Redacted] | $347.33 | 42.080% | 42.080% | 42.080% | [Redacted] | 671 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $14,809.50 | 6.640% | $10,000.00 | 2.0 | None | Yes | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $825,218.50 | 83.520% | No | 9 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 80.47 | Yes | No | $4,087.18 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226213730 | [Redacted] | [Redacted] | N/A | No | No | $58,740.00 | $13,524.88 | 7.342% | $4,042.31 | $4,042.31 | 7.125% | No | No | Not Employed | Not Employed | Not Employed | Self-Employed | 0 | 5.37 | US Citizen | US Citizen | $39,491.23 | 1 | [Redacted] | $3,360.24 | [Redacted] | $280.02 | 37.205% | 37.205% | 37.205% | [Redacted] | 726 | 726 | 731 | 701 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $58,740.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $6,855.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 17.18 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214168 | [Redacted] | [Redacted] | N/A | No | No | $1,061.11 | $1,061.11 | 7.125% | No | No | 0 | US Citizen | US Citizen | 2 | [Redacted] | $1,173.00 | [Redacted] | $97.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | 708 | 720 | 695 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214175 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,894.40 | $1,376.73 | 8.685% | $1,611.58 | $1,611.58 | 8.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $20,351.57 | 1 | [Redacted] | $1,299.00 | [Redacted] | $108.25 | 10.483% | 10.483% | 10.483% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,894.40 | 6.710% | $11,100.00 | 1.0 | None | No | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $7,569.35 | 2.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 18.05 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214176 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,925.20 | $7,464.16 | 7.559% | $1,609.94 | $1,609.94 | 7.250% | No | No | Self-Employed | US Citizen | $6,311.77 | 1 | [Redacted] | $3,197.04 | [Redacted] | $266.42 | 47.415% | 47.415% | 47.415% | [Redacted] | 704 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,925.20 | 6.640% | $0.00 | 1.8 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $310,168.23 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 106.07 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214178 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,975.08 | 6.935% | $4,425.07 | $4,425.07 | 6.875% | No | No | Non-Employment Income | US Citizen | $10,260.12 | 1 | [Redacted] | $1,074.12 | [Redacted] | $89.51 | 48.699% | 48.699% | 48.699% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.710% | $10,000.00 | 1.7 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,985,769.69 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 408.57 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214181 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $3,994.85 | 7.294% | $5,116.32 | $5,116.32 | 7.250% | No | No | Self-Employed | US Citizen | $11,395.56 | 2 | [Redacted] | $1,017.00 | [Redacted] | $84.75 | 35.475% | 35.475% | 35.475% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.640% | $0.00 | DU | ApproveEligible | No | No | 7.250% | 0 | 2 | 0 | 2 | 0 | No | [redacted] | $337,559.93 | 33.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214184 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,634.00 | $32,753.95 | 6.661% | $6,737.79 | $6,737.79 | 6.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $14,327.83 | 1 | [Redacted] | $2,514.84 | [Redacted] | $209.57 | 39.567% | 39.567% | 39.567% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Account Transcripts - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,634.00 | 6.710% | $15,000.00 | 1.0 | DU | ApproveEligible | No | No | 6.375% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $428,021.04 | 31.700% | No | 2 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.18 | No | No | $5,767.42 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214219 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,340.00 | $16,068.60 | 7.257% | $7,714.08 | $7,714.08 | 7.125% | No | No | Employed | US Citizen | $10,691.60 | 1 | [Redacted] | $2,179.08 | [Redacted] | $181.59 | 54.983% | 54.983% | 54.983% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,340.00 | 6.640% | $0.00 | 3.4 | None | No | No | 7.125% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $397,207.15 | 23.850% | No | 0 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.17 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226215639 | [Redacted] | [Redacted] | N/A | No | No | $2,068.36 | $2,068.36 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $4,132.92 | [Redacted] | $344.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $99,113.10 | 26.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226215640 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $5,180.10 | 7.187% | $1,674.87 | $1,674.87 | 6.990% | No | No | Not Employed | Employed | US Citizen | US Citizen | $4,603.32 | 1 | [Redacted] | $3,645.24 | [Redacted] | $303.77 | 43.475% | 43.475% | 43.475% | [Redacted] | 801 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.710% | $800.00 | 1.3 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $239,904.00 | 76.160% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.06 | No | $0.00 | $8,143.80 | No | No | No | No | 1 | 360 | AE | 08/20/2027 | $487,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226218227 | [Redacted] | [Redacted] | N/A | No | No | $1,887.55 | $1,887.55 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,390.80 | [Redacted] | $115.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $544,273.36 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 201.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226218228 | [Redacted] | [Redacted] | N/A | No | No | $2,282.83 | $2,282.83 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $1,590.96 | [Redacted] | $132.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $31,804.50 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226218261 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,836.25 | $17,398.90 | 7.975% | $5,980.86 | $6,121.41 | 7.866% | No | No | Self-Employed | US Citizen | $33,055.22 | 1 | [Redacted] | $1,407.00 | [Redacted] | $117.25 | 38.232% | 39.992% | 38.232% | [Redacted] | 798 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $12,836.25 | 6.300% | $0.00 | None | No | No | 7.866% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 84.49 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226218262 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,221.50 | $8,940.76 | 8.620% | $5,336.26 | $5,336.26 | 8.500% | No | No | Self-Employed | US Citizen | $51,684.93 | 1 | [Redacted] | $6,708.00 | [Redacted] | $559.00 | 20.787% | 20.787% | 20.787% | [Redacted] | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,221.50 | 6.420% | $0.00 | 1.2 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.09 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226219652 | [Redacted] | [Redacted] | N/A | No | No | $2,434.63 | $2,434.63 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,749.48 | [Redacted] | $145.79 | 0.000% | 0.000% | 0.000% | [Redacted] | 660 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $155,000.00 | 32.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226219749 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,926.00 | $6,126.98 | 8.074% | $2,186.08 | $2,186.08 | 7.875% | No | No | Self-Employed | US Citizen | $10,383.37 | 1 | [Redacted] | $1,962.96 | [Redacted] | $163.58 | 29.346% | 29.346% | 29.346% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,926.00 | 6.710% | $15,834.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $49,762.25 | 14.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.23 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226219763 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,770.00 | $4,073.48 | 7.564% | $1,436.60 | $1,436.60 | 7.375% | No | No | Non-Employment Income | US Citizen | $3,995.59 | 1 | [Redacted] | $1,963.92 | [Redacted] | $163.66 | 38.261% | 38.261% | 38.261% | [Redacted] | 760 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $3,770.00 | 6.710% | $0.00 | 1.3 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $615,484.85 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 300.44 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226220008 | [Redacted] | [Redacted] | N/A | No | No | $786.70 | $786.70 | 8.750% | No | No | US Citizen | 1 | [Redacted] | $3,110.16 | [Redacted] | $259.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226221297 | [Redacted] | [Redacted] | N/A | No | No | $1,129.25 | $1,129.25 | 7.375% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,622.04 | [Redacted] | $135.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226221318 | [Redacted] | [Redacted] | N/A | No | No | $1,940.72 | $1,940.72 | 6.990% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $2,067.00 | [Redacted] | $172.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.59 | [redacted] | $15,280.29 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222036 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,299.00 | $7,418.80 | 7.620% | $2,016.77 | $2,016.77 | 7.375% | No | No | Non-Employment Income | US Citizen | $4,426.61 | 1 | [Redacted] | $5,574.48 | [Redacted] | $464.54 | 48.333% | 48.333% | 48.333% | [Redacted] | 817 | No | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,299.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $456,654.96 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 115.2 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222041 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,602.00 | $17,206.70 | 7.668% | $4,930.00 | $6,646.61 | 7.646% | No | No | Employed | US Citizen | $17,139.92 | 1 | [Redacted] | $1,736.88 | [Redacted] | $144.74 | 39.543% | 38.285% | 39.543% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,602.00 | 6.300% | $0.00 | 1.0 | None | No | No | 7.646% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $667,287.61 | 65.420% | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222134 | [Redacted] | [Redacted] | N/A | No | No | $909.00 | $909.00 | 7.990% | No | No | US Citizen | 2 | [Redacted] | $1,538.04 | [Redacted] | $128.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | $56,833.54 | 36.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222151 | [Redacted] | [Redacted] | N/A | No | No | $1,230.47 | $1,230.47 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $695.04 | [Redacted] | $57.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222345 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,857.20 | $5,322.92 | 7.275% | $1,222.92 | $1,222.92 | 6.990% | No | No | Self-Employed | US Citizen | $3,327.71 | 1 | [Redacted] | $990.96 | [Redacted] | $82.58 | 49.763% | 49.763% | 49.763% | [Redacted] | 781 | No | Yes | 12 | Business | 88.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2014 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,857.20 | 6.640% | $10,000.00 | 1.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $48,844.35 | 21.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222419 | [Redacted] | [Redacted] | N/A | No | No | $2,132.00 | $3,079.74 | 7.450% | $2,486.43 | $2,486.43 | 7.375% | No | No | Non-Employment Income | US Citizen | $1,696.86 | 1 | [Redacted] | $3,038.04 | [Redacted] | $253.17 | 48.303% | 48.303% | 48.303% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,132.00 | 6.610% | $3,000.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $378,223.66 | 78.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 88.62 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222421 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,090.00 | $4,401.64 | 7.047% | $4,257.94 | $4,257.94 | 7.000% | No | No | Self-Employed | US Citizen | $29,389.66 | 1 | [Redacted] | $2,007.84 | [Redacted] | $167.32 | 26.222% | 26.222% | 26.222% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,090.00 | 6.680% | $14,650.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $366,619.96 | 45.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222425 | [Redacted] | [Redacted] | N/A | No | No | $1,101.33 | $1,101.33 | 6.625% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $2,589.72 | [Redacted] | $215.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222427 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,480.00 | $14,180.83 | 8.337% | $7,395.29 | $7,395.29 | 8.200% | No | No | Employed | US Citizen | $34,177.28 | 1 | [Redacted] | $2,306.04 | [Redacted] | $192.17 | 40.908% | 40.908% | 40.908% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $11,480.00 | 6.640% | $0.00 | 1.4 | DU | ApproveIneligible | Yes | No | 8.200% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $262,758.12 | 23.880% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.8 | Yes | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222810 | [Redacted] | [Redacted] | N/A | No | No | $4,393.10 | $5,390.30 | 7.748% | $755.65 | $755.65 | 7.250% | No | No | Non-Employment Income | US Citizen | $2,091.09 | 1 | [Redacted] | $429.00 | [Redacted] | $35.75 | 15.186% | 15.186% | 15.186% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $4,393.10 | 6.720% | $500.00 | 1.4 | None | Yes | No | 7.250% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $153,389.96 | 73.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.15 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222836 | [Redacted] | [Redacted] | N/A | No | No | $2,468.43 | $2,468.43 | 7.625% | No | No | US Citizen | 2 | [Redacted] | $2,715.12 | [Redacted] | $226.26 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.24 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222968 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,871.26 | $8,685.16 | 7.150% | $3,439.47 | $3,439.47 | 6.990% | No | No | Non-Employment Income | US Citizen | $41,915.54 | 1 | [Redacted] | $1,905.96 | [Redacted] | $158.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $5,871.26 | 6.520% | $3,500.00 | 2.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,859,483.96 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 591.37 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222977 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $11,099.67 | 7.347% | $10,966.41 | $11,699.25 | 7.643% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $30,882.90 | 1 | [Redacted] | $2,815.56 | [Redacted] | $234.63 | 42.987% | 41.634% | 42.987% | [Redacted] | 764 | Yes | No | [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,195.00 | 6.080% | $0.00 | None | Yes | No | 7.643% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $2,156,004.69 | 98.000% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.27 | Yes | No | $18,727.44 | $18,357.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222994 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,015.00 | $7,241.80 | 7.371% | $3,751.97 | $3,751.97 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $23,259.85 | 1 | [Redacted] | $7,128.00 | [Redacted] | $594.00 | 27.726% | 27.726% | 27.726% | [Redacted] | 675 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 27.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,015.00 | 6.720% | $315,000.00 | 2.1 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $292,800.91 | 34.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.93 | No | No | $16,091.47 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/26/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223019 | [Redacted] | [Redacted] | N/A | No | No | $3,526.25 | $3,526.25 | 6.500% | No | No | US Citizen | 3 | [Redacted] | $1,788.00 | [Redacted] | $149.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223152 | [Redacted] | [Redacted] | N/A | No | No | $1,074.62 | $1,074.62 | 7.750% | No | No | Permanent Resident Alien | 1 | [Redacted] | $1,077.00 | [Redacted] | $89.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.3 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 50.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223198 | [Redacted] | [Redacted] | N/A | No | No | $4,781.25 | $4,781.25 | 6.750% | No | No | US Citizen | 3 | [Redacted] | $8,473.08 | [Redacted] | $706.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | 240 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | No | 56.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223201 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,286.00 | $10,998.45 | 7.952% | $2,309.18 | $2,309.18 | 7.625% | No | No | Self-Employed | US Citizen | $14,198.82 | 1 | [Redacted] | $2,810.04 | [Redacted] | $234.17 | 25.710% | 25.710% | 25.710% | [Redacted] | 812 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,286.00 | 6.720% | $0.00 | None | No | No | 7.625% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $157,464.55 | 36.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 08/13/2027 | $113,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223278 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,499.00 | $2,519.95 | 6.898% | $4,125.00 | $5,528.26 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $14,481.53 | 1 | [Redacted] | $2,207.40 | [Redacted] | $183.95 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,499.00 | 6.610% | $2,000.00 | 1.7 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 249.92 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223279 | [Redacted] | [Redacted] | N/A | No | No | $6,095.86 | $6,095.86 | 6.990% | No | No | US Citizen | 3 | [Redacted] | $3,203.04 | [Redacted] | $266.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $338,637.02 | 29.440% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223542 | [Redacted] | [Redacted] | Non QM | Yes | No | $31,207.50 | $27,583.96 | 7.998% | $16,886.87 | $16,886.87 | 7.875% | No | No | Self-Employed | US Citizen | $35,166.95 | 1 | [Redacted] | $1,423.56 | [Redacted] | $118.63 | 35.992% | 35.992% | 35.992% | [Redacted] | 808 | No | Yes | 24 | Business | 74.000% | 100.000% | [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $31,207.50 | 6.710% | $10,000.00 | 1.4 | None | No | No | 7.875% | 2 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | [redacted] | $367,380.36 | 13.400% | No | 109 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223583 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,360.00 | $7,886.58 | 8.858% | $2,800.04 | $2,800.04 | 8.625% | No | No | Self-Employed | US Citizen | $34,792.48 | 1 | [Redacted] | $2,904.96 | [Redacted] | $242.08 | 34.576% | 34.576% | 34.576% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,360.00 | 6.710% | $0.00 | 1.8 | None | Yes | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,000.00 | 1.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.91 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223883 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,582.70 | $2,484.80 | 8.548% | $3,563.91 | $3,563.91 | 8.500% | No | No | Self-Employed | US Citizen | $8,857.80 | 1 | [Redacted] | $1,299.96 | [Redacted] | $108.33 | 37.475% | 37.475% | 37.475% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,582.70 | 6.720% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $37,234.74 | 7.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223884 | [Redacted] | [Redacted] | N/A | No | No | $6,656.52 | $6,656.52 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $2,255.04 | [Redacted] | $187.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 712 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223904 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,474.00 | $12,952.16 | 7.366% | $5,911.17 | $7,733.04 | 7.250% | No | No | Self-Employed | US Citizen | $12,291.78 | 1 | [Redacted] | $1,490.04 | [Redacted] | $124.17 | 45.867% | 37.844% | 45.867% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,474.00 | 6.710% | $13,648.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $385,305.20 | 31.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223952 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,495.00 | $4,155.46 | 7.142% | $1,728.04 | $1,728.04 | 6.990% | No | No | Employed | US Citizen | $4,163.85 | 1 | [Redacted] | $645.96 | [Redacted] | $53.83 | 36.364% | 36.364% | 36.364% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $3,495.00 | 6.530% | $42,000.00 | 1.0 | None | No | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $59,683.31 | 18.360% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223969 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $2,475.95 | 7.048% | $2,405.96 | $2,405.96 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $15,695.84 | 1 | [Redacted] | $1,884.00 | [Redacted] | $157.00 | 35.410% | 35.410% | 35.410% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.530% | $9,050.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.990% | 2 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $209,419.49 | 46.280% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.41 | No | No | $0.00 | $14,548.78 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224034 | [Redacted] | [Redacted] | N/A | No | No | $9,350.50 | $10,592.24 | 7.272% | $2,329.53 | $2,329.53 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $57,626.39 | 1 | [Redacted] | $2,580.00 | [Redacted] | $215.00 | 27.009% | 27.009% | 27.009% | [Redacted] | 776 | 784 | 806 | 796 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,350.50 | 6.680% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $52,032.25 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.16 | No | No | $78,949.88 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224127 | [Redacted] | [Redacted] | N/A | No | No | $1,056.08 | $1,056.08 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $797.04 | [Redacted] | $66.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.4 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | No | Yes | Preliminary | Fee Simple | LP | Business Entity | Individual | Individual | LP | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224327 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,839.30 | $18,361.61 | 7.557% | $11,985.05 | $11,985.05 | 7.450% | No | No | Employed | Employed | US Citizen | US Citizen | $17,935.61 | 1 | [Redacted] | $5,004.96 | [Redacted] | $417.08 | 48.277% | 48.277% | 48.277% | [Redacted] | 705 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $4,839.30 | 6.710% | $0.00 | 3.2 | LP / LPA | Accept/Ineligible | No | No | 7.450% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $316,995.49 | No | 6 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.8 | No | No | $0.00 | $12,593.14 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224410 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,821.25 | $0.00 | 7.117% | $1,793.78 | $1,793.78 | 7.125% | No | No | Self-Employed | US Citizen | $4,385.18 | 1 | [Redacted] | $1,700.04 | [Redacted] | $141.67 | 45.524% | 45.524% | 45.524% | [Redacted] | 797 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.30000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,821.25 | 6.720% | $18,500.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $72,812.24 | 20.510% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224421 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $6,631.71 | 7.427% | $2,489.94 | $2,489.94 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $11,364.92 | 1 | [Redacted] | $2,119.80 | [Redacted] | $176.65 | 39.334% | 39.334% | 39.334% | [Redacted] | 727 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.680% | $9,140.00 | 4.5 | LP / LPA | Accept/Eligible | No | No | 7.250% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $153,005.74 | 33.480% | No | 26 | 13 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.12 | No | No | $0.00 | $7,083.33 | No | No | No | No | 2 | 360 | AE | 08/28/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224920 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,593.20 | $9,018.74 | 7.767% | $2,349.36 | $2,349.36 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $3,891.86 | 1 | [Redacted] | $2,781.96 | [Redacted] | $231.83 | 44.285% | 44.285% | 44.285% | [Redacted] | 755 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,593.20 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $17,576.72 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 7.17 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226224969 | [Redacted] | [Redacted] | N/A | No | No | $2,646.50 | $2,646.50 | 7.875% | No | No | US Citizen | 2 | [Redacted] | $4,398.48 | [Redacted] | $366.54 | 0.000% | 0.000% | 0.000% | [Redacted] | 628 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226228900 | [Redacted] | [Redacted] | N/A | No | No | $1,965.86 | $1,965.86 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $915.00 | [Redacted] | $76.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $126,791.39 | 31.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230197 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,118.75 | $8,372.55 | 7.066% | $7,083.31 | $7,083.31 | 6.990% | No | No | Employed | Not Employed | Permanent Resident Alien | Permanent Resident Alien | $10,077.57 | 1 | [Redacted] | $4,430.52 | [Redacted] | $369.21 | 47.723% | 47.723% | 47.723% | [Redacted] | 764 | Yes | No | [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,118.75 | 6.680% | $5,500.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $547,711.15 | 38.540% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 55.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230824 | [Redacted] | [Redacted] | N/A | No | No | $1,547.01 | $1,547.01 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,337.16 | [Redacted] | $111.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230826 | [Redacted] | [Redacted] | N/A | No | No | $859.86 | $859.86 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,311.96 | [Redacted] | $109.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $850.00 | 0.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230885 | [Redacted] | [Redacted] | N/A | No | No | $55,849.20 | $10,390.45 | 8.103% | $7,037.45 | $7,037.45 | 7.990% | No | No | Self-Employed | US Citizen | $27,426.23 | 1 | [Redacted] | $3,248.40 | [Redacted] | $270.70 | 43.506% | 43.506% | 43.506% | [Redacted] | 733 | No | No | Borrower Prepared | [Borrower - | Primary Income - C-Corp]; Account Statements - Business - 2026 [Borrower - | Primary Income - C-Corp]; Account Statements - Business - 2026 [Borrower - | Primary Income - C-Corp]; Account Statements - Business - 2026 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2026 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2026 [Borrower - | Primary Income - C-Corp]; 1120 - 2025 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - C-Corp]; W-2 - 2025 [Borrower - | Primary Income - C-Corp]; 1120 - 2024 [Borrower - | Primary Income - C-Corp]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - C-Corp]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $55,849.20 | 6.720% | $45,000.00 | 3.1 | None | No | No | 7.990% | 2 | 2 | 0 | 2 | 1 | 5.97 | No | [redacted] | $36,000.00 | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.85 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230887 | [Redacted] | [Redacted] | N/A | No | No | $7,715.77 | $9,024.35 | 7.372% | $5,049.81 | $5,049.81 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $50,002.14 | 1 | [Redacted] | $2,399.04 | [Redacted] | $199.92 | 34.894% | 34.894% | 34.894% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $7,715.77 | 6.640% | $0.00 | 3.4 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $6,793,124.32 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1320.93 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230889 | [Redacted] | [Redacted] | N/A | No | No | $1,490.00 | $1,796.85 | 7.348% | $1,238.15 | $1,238.15 | 7.250% | No | No | Employed | Employed | US Citizen | Permanent Resident Alien | $3,288.88 | 1 | [Redacted] | $1,257.00 | [Redacted] | $104.75 | 35.763% | 35.763% | 35.763% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.710% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $156,752.40 | 64.770% | No | 31 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 54.45 | No | No | $0.00 | $2,812.35 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230955 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $2,697.03 | 6.889% | $11,186.18 | $11,186.18 | 6.875% | No | No | Self-Employed | US Citizen | $249,016.88 | 1 | [Redacted] | $10,254.60 | [Redacted] | $854.55 | 15.402% | 15.402% | 15.402% | [Redacted] | 713 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $0.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $96,916.13 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.79 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230956 | [Redacted] | [Redacted] | Non QM | Yes | No | $30,610.95 | $33,373.97 | 7.862% | $6,607.58 | $6,607.58 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $32,013.68 | 1 | [Redacted] | $1,076.04 | [Redacted] | $89.67 | 22.171% | 22.171% | 22.171% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $30,610.95 | 6.710% | $20,000.00 | 3.7 | None | No | No | 7.500% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $550,179.05 | 40.750% | No | 19 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.55 | No | $0.00 | $10,300.01 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230957 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,707.74 | 6.789% | $5,707.66 | $5,707.66 | 6.750% | No | No | Self-Employed | US Citizen | $18,606.46 | 1 | [Redacted] | $5,232.96 | [Redacted] | $436.08 | 34.285% | 34.285% | 34.285% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,425,612.00 | 72.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230959 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,945.00 | $7,775.90 | 9.090% | $6,841.22 | $6,841.22 | 8.990% | No | No | Self-Employed | US Citizen | $14,079.11 | 1 | [Redacted] | $1,386.96 | [Redacted] | $115.58 | 42.981% | 47.636% | 42.981% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,945.00 | 6.260% | $6,500.00 | 2.4 | None | Yes | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $49,079.96 | 5.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.58 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230968 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,337.50 | $19,404.25 | 7.208% | $5,915.22 | $5,915.22 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,987.22 | 1 | [Redacted] | $2,064.00 | [Redacted] | $172.00 | 41.796% | 41.796% | 41.796% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2006 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $4,337.50 | 6.640% | $0.00 | 2.7 | None | No | No | 6.990% | 1 | 0 | 1 | 0 | 2 | 1 | No | Other | [redacted] | $1,322,389.88 | 85.310% | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 164.64 | Yes | No | $7,696.92 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231073 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,890.70 | $4,851.68 | 7.098% | $2,790.92 | $2,790.92 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Ukraine | $9,485.81 | 1 | [Redacted] | $1,104.96 | [Redacted] | $92.08 | 24.610% | 24.610% | 24.610% | [Redacted] | 663 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,890.70 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $111,941.27 | 21.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 14.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231075 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,590.00 | $16,502.92 | 6.927% | $19,707.86 | $19,707.86 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $1,075,052.35 | 1 | [Redacted] | $5,705.76 | [Redacted] | $475.48 | 4.018% | 4.018% | 4.018% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,590.00 | 6.680% | $0.00 | 2.1 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.27 | No | No | $1,120,056.25 | $0.00 | No | No | No | No | 2 | 360 | AE | 06/11/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231077 | [Redacted] | [Redacted] | N/A | No | No | $5,010.00 | $2,896.66 | 7.507% | $1,436.60 | $1,436.60 | 7.375% | No | No | Self-Employed | US Citizen | $5,381.44 | 1 | [Redacted] | $1,440.00 | [Redacted] | $120.00 | 36.128% | 36.128% | 36.128% | [Redacted] | 775 | No | Yes | 36 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,010.00 | 6.640% | $7,800.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $84,590.46 | 32.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231092 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,221.25 | $14,584.74 | 8.293% | $3,775.30 | $3,775.30 | 7.990% | No | No | Employed | US Citizen | $6,497.14 | 1 | [Redacted] | $2,384.04 | [Redacted] | $198.67 | 47.104% | 47.104% | 47.104% | [Redacted] | 689 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,221.25 | 6.720% | $0.00 | 1.0 | None | No | No | 7.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $568,389.71 | 73.340% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.5 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231093 | [Redacted] | [Redacted] | N/A | No | No | $6,780.00 | $8,576.36 | 7.377% | $2,263.69 | $2,263.69 | 7.125% | No | No | Self-Employed | US Citizen | $114,744.90 | 1 | [Redacted] | $2,870.04 | [Redacted] | $239.17 | 32.837% | 32.837% | 32.837% | [Redacted] | 725 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2008 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2002 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,780.00 | 6.530% | $82,000.00 | 3.8 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $161,602.95 | 38.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.96 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231103 | [Redacted] | [Redacted] | N/A | No | No | $934.29 | $934.29 | 7.625% | No | No | US Citizen | 2 | [Redacted] | $1,193.04 | [Redacted] | $99.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.57 | [redacted] | $50,097.20 | 30.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231110 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,543.60 | $11,081.78 | 8.141% | $3,190.31 | $3,190.31 | 7.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Kenya | $15,754.75 | 1 | [Redacted] | $2,325.96 | [Redacted] | $193.83 | 34.844% | 34.844% | 34.844% | [Redacted] | 686 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,543.60 | 6.710% | $10,000.00 | 1.5 | None | Yes | No | 7.875% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $95,915.62 | 17.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 4.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231120 | [Redacted] | [Redacted] | N/A | No | No | $1,594.22 | $1,594.22 | 6.125% | No | No | US Citizen | 1 | [Redacted] | $1,821.96 | [Redacted] | $151.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | $578,132.53 | 97.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 110.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231175 | [Redacted] | [Redacted] | N/A | No | No | $870.08 | $870.08 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $999.60 | [Redacted] | $83.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $91,818.56 | 61.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231183 | [Redacted] | [Redacted] | N/A | No | No | $2,200.71 | $2,200.71 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,193.00 | [Redacted] | $182.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $30,861.55 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231194 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,527.68 | 6.647% | $1,042.91 | $1,042.91 | 6.500% | No | No | Non-Employment Income | US Citizen | $2,647.55 | 1 | [Redacted] | $1,118.04 | [Redacted] | $93.17 | 35.981% | 35.981% | 35.981% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $1,000.00 | 4.7 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $284,357.97 | 77.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231196 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,026.00 | $10,733.46 | 7.317% | $2,126.82 | $2,126.82 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | $64,498.05 | 1 | [Redacted] | $2,343.00 | [Redacted] | $195.25 | 8.415% | 8.415% | 8.415% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,026.00 | 6.720% | $0.00 | 2.1 | None | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 94.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231226 | [Redacted] | [Redacted] | N/A | No | No | $3,612.04 | $4,363.84 | 7.116% | $2,273.04 | $2,273.04 | 6.990% | No | No | Employed | US Citizen | $7,347.82 | 1 | [Redacted] | $5,262.96 | [Redacted] | $438.58 | 39.661% | 39.661% | 39.661% | [Redacted] | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,612.04 | 6.680% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $131,426.12 | 30.740% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.96 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231240 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,289.13 | $8,025.34 | 7.237% | $2,163.37 | $2,163.37 | 6.990% | No | No | Non-Employment Income | US Citizen | $5,227.97 | 1 | [Redacted] | $2,076.84 | [Redacted] | $173.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $5,289.13 | 6.680% | $0.00 | 2.9 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $621,314.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 179.38 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231262 | [Redacted] | [Redacted] | N/A | No | No | $1,914.10 | $1,914.10 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,091.00 | [Redacted] | $174.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 675 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $0.00 | No | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231307 | [Redacted] | [Redacted] | N/A | No | No | $1,893.19 | $1,893.19 | 8.250% | No | No | Permanent Resident Alien | 2 | [Redacted] | $1,142.04 | [Redacted] | $95.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 725 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $83,383.48 | 26.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.2 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231308 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,067.53 | 6.356% | $2,219.60 | $2,219.60 | 6.250% | No | No | Self-Employed | US Citizen | $10,036.72 | 1 | [Redacted] | $1,330.56 | [Redacted] | $110.88 | 48.849% | 48.849% | 48.849% | [Redacted] | 744 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 8.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.720% | $8,811.45 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $277,445.54 | 45.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231346 | [Redacted] | [Redacted] | N/A | No | No | $1,010.58 | $1,010.58 | 7.125% | No | No | 0 | Non-Permanent Resident Alien | US Citizen | 1 | [Redacted] | $1,301.88 | [Redacted] | $108.49 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $148,683.87 | 27.610% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 10.04 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231859 | [Redacted] | [Redacted] | N/A | No | No | $1,913.74 | $1,913.74 | 6.750% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $900.96 | [Redacted] | $75.08 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $370,011.82 | 94.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 120.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231869 | [Redacted] | [Redacted] | N/A | No | No | $4,204.69 | $4,204.69 | 7.500% | No | No | Foreign National | 1 | [Redacted] | $1,799.64 | [Redacted] | $149.97 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.7 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.25 | 240 | [redacted] | $863,446.76 | 91.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | 87.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231921 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,909.68 | $19,110.22 | 8.525% | $5,645.77 | $5,645.77 | 8.250% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $10,536.44 | 1 | [Redacted] | $3,043.80 | [Redacted] | $253.65 | 41.294% | 41.294% | 41.294% | [Redacted] | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,909.68 | 6.640% | $8,219.55 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $161,515.65 | 19.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 18.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231927 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,995.00 | $3,076.78 | 7.350% | $2,077.23 | $2,077.23 | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $25,975.49 | 1 | [Redacted] | $1,063.80 | [Redacted] | $88.65 | 14.595% | 14.595% | 14.595% | [Redacted] | 737 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,995.00 | 6.640% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $280,650.00 | 69.120% | No | 55 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Beacon 5.0 | FICO Risk Score Classic 04 | 66.21 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231979 | [Redacted] | [Redacted] | N/A | No | No | $1,168.12 | $1,168.12 | 6.625% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $816.84 | [Redacted] | $68.07 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $20,977.86 | 8.620% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 11.04 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232040 | [Redacted] | [Redacted] | Non QM | Yes | No | $895.00 | $1,614.02 | 6.639% | $4,802.33 | $4,802.33 | 6.625% | No | No | Self-Employed | US Citizen | $127,405.12 | 1 | [Redacted] | $5,168.04 | [Redacted] | $430.67 | 7.998% | 7.998% | 7.998% | [Redacted] | 759 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $895.00 | 6.720% | $0.00 | 1.4 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $198,750.00 | 15.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AH | 08/28/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232543 | [Redacted] | [Redacted] | N/A | No | No | $1,198.13 | $1,198.13 | 6.625% | No | No | 0 | Foreign National | Not Provided | 1 | [Redacted] | $764.52 | [Redacted] | $63.71 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $70,741.12 | 28.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 17.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232550 | [Redacted] | [Redacted] | N/A | No | No | $2,160.05 | $2,160.05 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,075.68 | [Redacted] | $89.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.66 | [redacted] | $23,043.02 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232551 | [Redacted] | [Redacted] | N/A | No | No | $687.63 | $687.63 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $948.00 | [Redacted] | $79.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.65 | [redacted] | $229,966.64 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 188.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232557 | [Redacted] | [Redacted] | N/A | No | No | $1,111.64 | $1,111.64 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $970.68 | [Redacted] | $80.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 669 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232875 | [Redacted] | [Redacted] | N/A | No | No | $1,563.69 | $1,563.69 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $474.00 | [Redacted] | $39.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $58,661.25 | 20.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.63 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233159 | [Redacted] | [Redacted] | N/A | No | No | $6,768.62 | $6,768.62 | 7.375% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,125.00 | [Redacted] | $93.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | 494 | 693 | 506 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | LLC | Authorized Signor | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233161 | [Redacted] | [Redacted] | N/A | No | No | $1,205.74 | $1,205.74 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $927.96 | [Redacted] | $77.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.2 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | LP | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 209.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233382 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,283.75 | $7,298.67 | 9.225% | $2,713.17 | $2,713.17 | 8.990% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $12,797.97 | 1 | [Redacted] | $1,172.16 | [Redacted] | $97.68 | 28.863% | 28.863% | 28.863% | [Redacted] | 626 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,283.75 | 6.490% | $5,000.00 | 1.6 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,000.00 | 1.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 47.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233571 | [Redacted] | [Redacted] | N/A | No | No | $17,550.00 | $5,401.89 | 6.704% | $1,618.09 | $1,618.09 | 6.500% | No | No | Not Employed | Self-Employed | US Citizen | $8,321.14 | 1 | [Redacted] | $686.76 | [Redacted] | $57.23 | 42.882% | 42.882% | 42.882% | [Redacted] | 732 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $17,550.00 | 6.680% | $10,000.00 | 1.0 | None | Yes | No | 6.500% | 0 | 2 | 2 | 0 | 3 | 1 | 0.00 | No | [redacted] | $196,391.65 | 61.370% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.79 | No | No | $14,568.25 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233615 | [Redacted] | [Redacted] | N/A | No | No | $2,147.48 | $2,147.48 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $330.96 | [Redacted] | $27.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $204,655.75 | 48.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.19 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233675 | [Redacted] | [Redacted] | N/A | No | No | $1,495.00 | $6,634.75 | 6.955% | $3,148.00 | $3,148.00 | 6.875% | No | No | Employed | US Citizen | $6,980.94 | 1 | [Redacted] | $747.96 | [Redacted] | $62.33 | 45.337% | 45.337% | 45.337% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.00 | 6.680% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $588,963.90 | 98.320% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 98.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 02/27/2027 | $4,750,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226234220 | [Redacted] | [Redacted] | N/A | No | No | $1,394.33 | $1,394.33 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $938.04 | [Redacted] | $78.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 677 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.84 | [redacted] | $5,000.00 | 1.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 120.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226234253 | [Redacted] | [Redacted] | N/A | No | No | $1,343.27 | $1,343.27 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,082.04 | [Redacted] | $90.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $1,911.71 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235162 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,838.80 | 7.171% | $5,492.19 | $7,241.08 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $11,401.99 | 1 | [Redacted] | $1,731.24 | [Redacted] | $144.27 | 49.110% | 41.304% | 49.110% | [Redacted] | 738 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,672,090.51 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 218.94 | Yes | No | $2,343.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235164 | [Redacted] | [Redacted] | N/A | No | No | $1,366.06 | $1,366.06 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,190.76 | [Redacted] | $99.23 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235177 | [Redacted] | [Redacted] | N/A | No | No | $1,414.81 | $1,414.81 | 7.125% | No | No | US Citizen | 3 | [Redacted] | $2,929.92 | [Redacted] | $244.16 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $133,208.48 | 47.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235178 | [Redacted] | [Redacted] | N/A | No | No | $1,454.88 | $1,454.88 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $762.96 | [Redacted] | $63.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $44,970.83 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 159.34 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235182 | [Redacted] | [Redacted] | N/A | No | No | $801.18 | $801.18 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,286.04 | [Redacted] | $107.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $41,153.98 | 28.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.56 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235187 | [Redacted] | [Redacted] | N/A | No | No | $4,366.58 | $4,366.58 | 6.990% | No | No | 0 | Non-Permanent Resident Alien | Not Provided | 1 | [Redacted] | $1,443.60 | [Redacted] | $120.30 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.54 | [redacted] | $444,663.64 | 50.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 36.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235362 | [Redacted] | [Redacted] | Non QM | Yes | No | $32,095.00 | $2,722.78 | 8.516% | $7,842.92 | $7,842.92 | 8.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $69,603.54 | 1 | [Redacted] | $1,551.96 | [Redacted] | $129.33 | 16.907% | 16.907% | 16.907% | [Redacted] | 725 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $32,095.00 | 6.720% | $25,000.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $198,782.33 | 16.560% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 11.95 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235616 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,847.25 | $21,327.38 | 8.899% | $12,284.33 | $12,284.33 | 8.750% | No | No | Self-Employed | US Citizen | $38,293.03 | 1 | [Redacted] | $8,778.96 | [Redacted] | $731.58 | 35.734% | 35.734% | 35.734% | [Redacted] | 743 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $19,847.25 | 6.680% | $81,185.00 | 1.3 | None | Yes | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $169,186.58 | 9.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.61 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235635 | [Redacted] | [Redacted] | N/A | No | No | $33,750.00 | $12,579.68 | 7.536% | $3,069.79 | $3,069.79 | 7.250% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Colombia | $10,040.20 | 1 | [Redacted] | $3,814.92 | [Redacted] | $317.91 | 47.048% | 47.048% | 47.048% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 91.080% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $33,750.00 | 6.720% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $100,054.83 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 25.12 | No | No | $18,960.94 | $0.00 | No | No | No | No | 3 | 360 | AE | 08/31/2027 | $100,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235644 | [Redacted] | [Redacted] | N/A | No | No | $5,680.00 | $6,289.30 | 6.871% | $1,061.87 | $1,061.87 | 6.500% | No | No | Employed | US Citizen | $4,979.36 | 1 | [Redacted] | $665.04 | [Redacted] | $55.42 | 29.086% | 29.086% | 29.086% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,680.00 | 6.530% | $1,700.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $78,199.58 | 34.750% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.57 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235647 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $299.35 | 6.876% | $1,639.69 | $1,639.69 | 6.875% | No | No | Self-Employed | US Citizen | $12,151.11 | 1 | [Redacted] | $1,707.84 | [Redacted] | $142.32 | 15.184% | 15.184% | 15.184% | [Redacted] | 787 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.710% | $34,000.00 | 1.9 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $3,000.00 | 0.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235651 | [Redacted] | [Redacted] | N/A | No | No | $3,481.72 | $3,481.72 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,523.32 | [Redacted] | $293.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $62,749.71 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235652 | [Redacted] | [Redacted] | N/A | No | No | $32,953.50 | $12,398.20 | 7.539% | $2,993.05 | $2,993.05 | 7.250% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | Colombia | $12,284.30 | 1 | [Redacted] | $3,076.92 | [Redacted] | $256.41 | 35.213% | 35.213% | 35.213% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 91.080% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 91.08% | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $32,953.50 | 6.720% | $0.00 | 1.3 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,027.42 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | No | 25.45 | No | No | $18,960.95 | $0.00 | No | No | No | No | 3 | 360 | AE | 08/31/2027 | $583,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235681 | [Redacted] | [Redacted] | N/A | No | No | $2,408.54 | $2,408.54 | 7.125% | No | No | US Citizen | 3 | [Redacted] | $5,003.04 | [Redacted] | $416.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.62 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 78.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235754 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,821.17 | $6,641.59 | 7.412% | $2,813.92 | $2,813.92 | 7.250% | No | No | Non-Employment Income | US Citizen | $3,485.93 | 1 | [Redacted] | $602.04 | [Redacted] | $50.17 | 48.731% | 48.731% | 48.731% | [Redacted] | 749 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $5,821.17 | 6.710% | $4,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $489,341.49 | 88.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 105.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236132 | [Redacted] | [Redacted] | N/A | No | No | $1,309.78 | $1,309.78 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $789.00 | [Redacted] | $65.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | 768 | 759 | 777 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 20.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236532 | [Redacted] | [Redacted] | N/A | No | No | $2,264.83 | $2,264.83 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $2,483.04 | [Redacted] | $206.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | $145,684.33 | 35.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236647 | [Redacted] | [Redacted] | N/A | No | No | $5,518.20 | $5,518.20 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $3,209.04 | [Redacted] | $267.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $677,169.56 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236817 | [Redacted] | [Redacted] | N/A | No | No | $1,215.59 | $1,215.59 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $942.96 | [Redacted] | $78.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $140,491.91 | 63.850% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236990 | [Redacted] | [Redacted] | N/A | No | No | $1,670.82 | $1,670.82 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $2,280.00 | [Redacted] | $190.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $124,975.12 | 40.310% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236994 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,531.50 | $10,065.48 | 8.402% | $1,931.63 | $1,931.63 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | El Salvador | $22,249.92 | 1 | [Redacted] | $1,398.00 | [Redacted] | $116.50 | 28.620% | 28.620% | 28.620% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,531.50 | 6.710% | $0.00 | 4.4 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,000.00 | 0.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 10.05 | No | No | $0.00 | $0.00 | Yes | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226238699 | [Redacted] | [Redacted] | N/A | No | No | $1,011.63 | $1,011.63 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $1,814.04 | [Redacted] | $151.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 638 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.63 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226238731 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,912.81 | $13,526.61 | 7.987% | $2,797.55 | $2,797.55 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $8,741.94 | 1 | [Redacted] | $1,616.04 | [Redacted] | $134.67 | 32.034% | 32.034% | 32.034% | [Redacted] | 724 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,912.81 | 6.640% | $16,000.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $332,647.66 | 71.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 61.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240259 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,643.13 | $3,348.71 | 7.720% | $2,365.73 | $2,365.73 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $7,648.81 | 1 | [Redacted] | $4,482.60 | [Redacted] | $373.55 | 29.247% | 29.247% | 29.247% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,643.13 | 6.610% | $0.00 | 1.4 | None | No | No | 7.625% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $839,248.80 | 100.000% | No | 18 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 243.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240590 | [Redacted] | [Redacted] | N/A | No | No | $1,075.28 | $1,075.28 | 7.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,752.00 | [Redacted] | $146.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $97,044.46 | 51.100% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240743 | [Redacted] | [Redacted] | N/A | No | No | $891.82 | $891.82 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $888.00 | [Redacted] | $74.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | $364,926.51 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 354.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240984 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,659.71 | 8.010% | $9,061.63 | $9,061.63 | 7.990% | No | No | Employed | US Citizen | $25,298.17 | 1 | [Redacted] | $4,644.24 | [Redacted] | $387.02 | 40.726% | 40.726% | 40.726% | [Redacted] | 752 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $0.00 | 3.5 | None | Yes | No | 7.990% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | Other | [redacted] | $624,691.83 | 45.430% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 41.48 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240987 | [Redacted] | [Redacted] | N/A | No | No | $3,468.08 | $3,468.08 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,605.80 | [Redacted] | $217.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240991 | [Redacted] | [Redacted] | N/A | No | No | $3,259.18 | $3,259.18 | 6.625% | No | No | US Citizen | 2 | [Redacted] | $980.64 | [Redacted] | $81.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $501,264.58 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 129.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240992 | [Redacted] | [Redacted] | N/A | No | No | $1,352.28 | $1,352.28 | 8.250% | No | No | US Citizen | 1 | [Redacted] | $846.96 | [Redacted] | $70.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 667 | No | No | DSCR | 1 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $173,936.20 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240999 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,750.00 | $7,034.08 | 7.112% | $3,775.10 | $3,775.10 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $24,262.46 | 1 | [Redacted] | $2,736.36 | [Redacted] | $228.03 | 28.680% | 28.680% | 28.680% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,750.00 | 6.720% | $0.00 | 1.7 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 1 | 0 | 2 | 0 | No | [redacted] | $330,644.08 | 46.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241000 | [Redacted] | [Redacted] | N/A | No | No | $3,794.30 | $3,794.30 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $2,642.04 | [Redacted] | $220.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241001 | [Redacted] | [Redacted] | N/A | No | No | $2,388.80 | $2,388.80 | 7.625% | No | No | US Citizen | 3 | [Redacted] | $2,000.04 | [Redacted] | $166.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $7,000.00 | 1.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.67 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241003 | [Redacted] | [Redacted] | N/A | No | No | $2,045.81 | $2,045.81 | 7.000% | No | No | US Citizen | 2 | [Redacted] | $1,896.96 | [Redacted] | $158.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [redacted] | $675,960.25 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 210.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241006 | [Redacted] | [Redacted] | N/A | No | No | $1,574.63 | $1,574.63 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $776.04 | [Redacted] | $64.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $93,576.36 | 32.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241018 | [Redacted] | [Redacted] | N/A | No | No | $1,222.92 | $1,222.92 | 6.990% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [Redacted] | $1,455.60 | [Redacted] | $121.30 | 0.000% | 0.000% | 0.000% | [Redacted] | 707 | 682 | 713 | 707 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241024 | [Redacted] | [Redacted] | N/A | No | No | $875.61 | $875.61 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $1,991.28 | [Redacted] | $165.94 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $2,000.00 | 1.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241027 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $2,732.23 | 6.848% | $1,751.15 | $1,751.15 | 6.750% | No | No | Non-Employment Income | US Citizen | $2,382.64 | 1 | [Redacted] | $387.00 | [Redacted] | $32.25 | 45.338% | 45.338% | 45.338% | [Redacted] | 795 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.720% | $5,092.42 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $106,543.76 | 33.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.5 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241028 | [Redacted] | [Redacted] | N/A | No | No | $30,495.00 | $7,757.07 | 7.292% | $3,132.79 | $3,132.79 | 7.125% | No | No | Self-Employed | US Citizen | $11,936.09 | 1 | [Redacted] | $749.04 | [Redacted] | $62.42 | 36.743% | 36.743% | 36.743% | [Redacted] | 772 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $30,495.00 | 6.720% | $200.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $421,757.25 | 68.020% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241030 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $9,417.22 | 7.064% | $7,643.26 | $7,643.26 | 6.990% | No | No | Self-Employed | US Citizen | $11,923.16 | 1 | [Redacted] | $1,738.08 | [Redacted] | $144.84 | 49.992% | 49.992% | 49.992% | [Redacted] | 731 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.640% | $794,676.78 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $164,341.53 | 8.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241080 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,115.07 | $11,368.01 | 7.583% | $2,317.69 | $2,317.69 | 7.250% | No | No | Self-Employed | US Citizen | $13,103.72 | 1 | [Redacted] | $2,762.04 | [Redacted] | $230.17 | 22.506% | 22.506% | 22.506% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,115.07 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 14.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241159 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,020.63 | $6,703.61 | 7.672% | $2,779.38 | $2,779.38 | 7.500% | No | No | Self-Employed | US Citizen | $14,716.69 | 1 | [Redacted] | $2,883.00 | [Redacted] | $240.25 | 37.263% | 37.263% | 37.263% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,020.63 | 6.680% | $0.00 | 2.5 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $15,156.82 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241225 | [Redacted] | [Redacted] | N/A | No | No | $3,109.23 | $3,109.23 | 7.750% | No | No | US Citizen | 3 | [Redacted] | $7,730.64 | [Redacted] | $644.22 | 0.000% | 0.000% | 0.000% | [Redacted] | 702 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.63 | 0.61 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226242888 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $10,026.34 | 6.881% | $4,823.95 | $4,823.95 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $22,856.98 | 1 | [Redacted] | $10,274.04 | [Redacted] | $856.17 | 42.233% | 42.233% | 42.233% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $2,500.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Closed End | No | [redacted] | $396,567.26 | 37.320% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.76 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226242991 | [Redacted] | [Redacted] | N/A | No | No | $1,061.60 | $1,061.60 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $939.00 | [Redacted] | $78.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $234,776.72 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 112.66 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243279 | [Redacted] | [Redacted] | N/A | No | No | $1,303.35 | $1,303.35 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $939.00 | [Redacted] | $78.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $236,646.08 | 95.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 90.47 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243280 | [Redacted] | [Redacted] | N/A | No | No | $801.18 | $801.18 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $2,081.28 | [Redacted] | $173.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | [redacted] | $4,000.00 | 2.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 71.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243382 | [Redacted] | [Redacted] | N/A | No | No | $24,028.08 | $10,090.14 | 6.995% | $2,179.29 | $2,179.29 | 6.750% | No | No | Not Employed | Self-Employed | Non-Permanent Resident Alien | El Salvador | $26,578.36 | 1 | [Redacted] | $1,475.16 | [Redacted] | $122.93 | 30.229% | 30.229% | 30.229% | [Redacted] | 732 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $24,028.08 | 6.720% | $10,000.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $135,246.62 | 32.200% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 38.69 | Yes | No | $38,093.68 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243386 | [Redacted] | [Redacted] | N/A | No | No | $2,490.95 | $2,490.95 | 7.500% | No | No | 0 | US Citizen | N/A | 1 | [Redacted] | $2,478.36 | [Redacted] | $206.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 675 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243610 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,356.50 | $5,676.05 | 7.257% | $985.39 | $985.39 | 6.875% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $2,776.53 | 1 | [Redacted] | $782.04 | [Redacted] | $65.17 | 49.472% | 49.472% | 49.472% | [Redacted] | 764 | No | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,356.50 | 6.720% | $7,000.00 | 1.1 | None | No | No | 6.875% | 0 | 0 | 2 | 0 | 2 | 2 | No | [redacted] | $601,555.40 | 95.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.14 | No | No | $1,192.90 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243786 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,865.55 | 7.090% | $1,412.40 | $1,412.40 | 6.875% | No | No | Non-Employment Income | US Citizen | $1,590.64 | 1 | [Redacted] | $576.00 | [Redacted] | $48.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | No Ratio | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $359,472.38 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226248466 | [Redacted] | [Redacted] | N/A | No | No | $1,427.45 | $1,427.45 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $855.00 | [Redacted] | $71.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $657,513.42 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 272.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249333 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,707.45 | 6.820% | $2,432.24 | $2,432.24 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $8,079.58 | 1 | [Redacted] | $2,898.96 | [Redacted] | $241.58 | 43.704% | 43.704% | 43.704% | [Redacted] | 812 | No | No | [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.720% | $0.00 | 1.1 | None | Yes | No | 6.750% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $2,095,294.04 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 465.31 | Yes | No | $4,496.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249421 | [Redacted] | [Redacted] | N/A | No | No | $1,277.75 | $1,277.75 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $450.96 | [Redacted] | $37.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249422 | [Redacted] | [Redacted] | N/A | No | No | $3,188.84 | $3,188.84 | 7.990% | No | No | US Citizen | 3 | [Redacted] | $7,200.00 | [Redacted] | $600.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 679 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $344,978.64 | 59.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249424 | [Redacted] | [Redacted] | N/A | No | No | $5,204.48 | $5,204.48 | 7.125% | No | No | US Citizen | 3 | [Redacted] | $1,455.00 | [Redacted] | $121.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $2,028,619.78 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 455.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249425 | [Redacted] | [Redacted] | N/A | No | No | $626.50 | $626.50 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $1,720.32 | [Redacted] | $143.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.4 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [redacted] | $35,202.09 | 31.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.36 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250543 | [Redacted] | [Redacted] | N/A | No | No | $1,230.62 | $1,230.62 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $2,481.00 | [Redacted] | $206.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $84,008.97 | 38.180% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250545 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $3,308.00 | 7.380% | $1,227.92 | $1,227.92 | 7.250% | No | No | Employed | US Citizen | $7,558.37 | 1 | [Redacted] | $1,004.04 | [Redacted] | $83.67 | 31.172% | 31.172% | 31.172% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.680% | $1,500.00 | DU | ApproveEligible | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,116,481.93 | 100.000% | No | 36 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 495.39 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250562 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,565.00 | $1,857.02 | 8.557% | $2,595.08 | $2,595.08 | 8.500% | No | No | Non-Employment Income | US Citizen | $6,141.16 | 1 | [Redacted] | $2,220.96 | [Redacted] | $185.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,565.00 | 6.710% | $10,250.00 | 1.5 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $512,875.08 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 163.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250565 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,189.00 | $14,107.43 | 7.182% | $4,865.10 | $4,865.10 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,844.11 | 1 | [Redacted] | $2,229.00 | [Redacted] | $185.75 | 46.743% | 46.743% | 46.743% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,189.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $261,696.11 | 28.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.79 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250566 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,345.00 | $10,590.99 | 6.968% | $7,226.22 | $7,226.22 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $26,995.76 | 1 | [Redacted] | $6,637.20 | [Redacted] | $553.10 | 47.051% | 47.051% | 47.051% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,345.00 | 6.720% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,520,813.17 | 77.590% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.52 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250568 | [Redacted] | [Redacted] | N/A | No | No | $10,052.08 | $10,744.80 | 7.426% | $4,195.79 | $4,195.79 | 7.250% | No | No | Non-Employment Income | US Citizen | $4,539.58 | 1 | [Redacted] | $4,572.00 | [Redacted] | $381.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $10,052.08 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,396,093.31 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 241.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250573 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $6,404.64 | 7.696% | $1,795.23 | $1,795.23 | 7.500% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $10,465.55 | 1 | [Redacted] | $1,295.28 | [Redacted] | $107.94 | 29.451% | 29.451% | 29.451% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,195.00 | 6.680% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $263,478.52 | 66.700% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.58 | No | No | $8,982.46 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250580 | [Redacted] | [Redacted] | N/A | No | No | $3,990.00 | $5,713.71 | 7.343% | $1,414.81 | $1,414.81 | 7.125% | No | No | Employed | US Citizen | $10,132.87 | 2 | [Redacted] | $2,106.96 | [Redacted] | $175.58 | 48.859% | 48.859% | 48.859% | [Redacted] | 760 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Auto Allowance]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,990.00 | 6.720% | $0.00 | 2.6 | None | No | No | 7.125% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | 60 | [redacted] | $451,261.19 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 232.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250583 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,499.00 | $15,938.45 | 6.773% | $12,971.96 | $12,971.96 | 6.750% | No | No | Non-Employment Income | US Citizen | $179,180.46 | 1 | [Redacted] | $25,581.96 | [Redacted] | $2,131.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2003 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,499.00 | 6.680% | $10,000.00 | 1.7 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $2,680,048.99 | 63.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 596.42 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250641 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,927.50 | $12,367.89 | 7.867% | $2,395.96 | $2,395.96 | 7.490% | No | No | Self-Employed | US Citizen | $7,159.85 | 1 | [Redacted] | $6,158.04 | [Redacted] | $513.17 | 30.976% | 30.976% | 30.976% | [Redacted] | 660 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,927.50 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 56.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 06/22/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250693 | [Redacted] | [Redacted] | N/A | No | No | $46,151.25 | $14,167.43 | 7.187% | $3,822.66 | $3,822.66 | 6.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | N/A | $66,676.46 | 1 | [Redacted] | $2,907.96 | [Redacted] | $242.33 | 16.378% | 16.378% | 17.960% | [Redacted] | 771 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $46,151.25 | 6.680% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $158,082.42 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 31.31 | No | No | $79,735.77 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250698 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,477.38 | $14,022.76 | 8.053% | $4,360.39 | $4,360.39 | 7.875% | No | No | Self-Employed | US Citizen | $19,283.56 | 1 | [Redacted] | $2,313.96 | [Redacted] | $192.83 | 32.399% | 32.399% | 32.399% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,477.38 | 6.680% | $21,225.00 | 1.2 | None | Yes | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $98,288.40 | 13.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.31 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250700 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,465.00 | $14,099.10 | 7.623% | $3,228.91 | $3,228.91 | 7.375% | No | No | Self-Employed | US Citizen | $20,612.07 | 1 | [Redacted] | $9,213.36 | [Redacted] | $767.78 | 30.493% | 30.493% | 30.493% | [Redacted] | 721 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,465.00 | 6.610% | $25,000.00 | 2.6 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $22,138.74 | 4.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/27/2026 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250864 | [Redacted] | [Redacted] | N/A | No | No | $4,182.19 | $4,182.19 | 7.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $658.32 | [Redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | 240 | [redacted] | $766,420.84 | 90.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 106.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250903 | [Redacted] | [Redacted] | N/A | No | No | $4,604.07 | $4,604.07 | 5.625% | No | No | US Citizen | 1 | [Redacted] | $4,578.96 | [Redacted] | $381.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $270,721.97 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226251444 | [Redacted] | [Redacted] | N/A | No | No | $1,049.54 | $1,049.54 | 7.875% | No | No | US Citizen | 1 | [Redacted] | $2,067.00 | [Redacted] | $172.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226251445 | [Redacted] | [Redacted] | N/A | No | No | $12,978.00 | $7,632.59 | 8.137% | $1,006.87 | $1,021.29 | 7.646% | No | No | Employed | US Citizen | $7,302.04 | 1 | [Redacted] | $1,245.12 | [Redacted] | $103.76 | 37.621% | 39.066% | 37.621% | [Redacted] | 749 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,978.00 | 6.300% | $0.00 | 1.5 | None | Yes | No | 7.646% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $62,927.06 | 34.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Beacon 5.0 | FICO Risk Score Classic 04 | 4.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226251707 | [Redacted] | [Redacted] | N/A | No | No | $4,317.67 | $4,317.67 | 7.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $658.32 | [Redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.1 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | 240 | [redacted] | $1,544,285.87 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 247 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226251714 | [Redacted] | [Redacted] | N/A | No | No | $1,595.11 | $1,595.11 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,617.96 | [Redacted] | $134.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226252522 | [Redacted] | [Redacted] | N/A | No | No | $2,975.58 | $2,975.58 | 9.375% | No | No | US Citizen | 1 | [Redacted] | $3,007.68 | [Redacted] | $250.64 | 0.000% | 0.000% | 0.000% | [Redacted] | 684 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.27 | [redacted] | $279,577.32 | 58.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254090 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,599.66 | 7.184% | $5,120.26 | $5,120.26 | 7.125% | No | No | Self-Employed | US Citizen | $16,778.46 | 1 | [Redacted] | $1,365.00 | [Redacted] | $113.75 | 38.910% | 38.910% | 38.910% | [Redacted] | 743 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - Year Not Available [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $238,727.31 | 25.120% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.67 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254138 | [Redacted] | [Redacted] | N/A | No | No | $4,346.14 | $4,346.14 | 7.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $658.32 | [Redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 240 | [redacted] | $1,544,285.87 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 245.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254269 | [Redacted] | [Redacted] | N/A | No | No | $2,177.06 | $2,177.06 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,301.04 | [Redacted] | $108.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.2 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.01 | [redacted] | $392,854.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254449 | [Redacted] | [Redacted] | N/A | No | No | $5,310.18 | $5,310.18 | 7.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $658.32 | [Redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | 240 | [redacted] | $1,544,285.87 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 196.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254450 | [Redacted] | [Redacted] | N/A | No | No | $922.96 | $922.96 | 7.500% | No | No | US Citizen | 3 | [Redacted] | $2,286.00 | [Redacted] | $190.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.97 | 0.5 | [redacted] | $25,892.03 | 15.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254465 | [Redacted] | [Redacted] | N/A | No | No | $1,455.54 | $1,455.54 | 6.990% | No | No | 0 | Permanent Resident Alien | 1 | [Redacted] | $456.96 | [Redacted] | $38.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254514 | [Redacted] | [Redacted] | N/A | No | No | $1,557.15 | $1,557.15 | 7.625% | No | No | US Citizen | 3 | [Redacted] | $5,381.16 | [Redacted] | $448.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $3,200.00 | 1.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 364.88 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254593 | [Redacted] | [Redacted] | N/A | No | No | $2,514.84 | $2,514.84 | 7.250% | No | No | US Citizen | 3 | [Redacted] | $3,598.92 | [Redacted] | $299.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 45.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 240 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259628 | [Redacted] | [Redacted] | N/A | No | No | $3,259.18 | $3,259.18 | 6.625% | No | No | US Citizen | 2 | [Redacted] | $980.64 | [Redacted] | $81.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $501,264.58 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259759 | [Redacted] | [Redacted] | N/A | No | No | $5,413.54 | $5,413.54 | 7.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $658.32 | [Redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | 240 | [redacted] | $766,420.84 | 69.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259760 | [Redacted] | [Redacted] | N/A | No | No | $4,211.45 | $4,211.45 | 7.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $658.32 | [Redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | 240 | [redacted] | $868,131.96 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 124.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259763 | [Redacted] | [Redacted] | N/A | No | No | $1,165.51 | $1,165.51 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $2,498.04 | [Redacted] | $208.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $294,068.18 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 155.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259876 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,640.00 | $4,679.96 | 7.028% | $3,456.08 | $3,456.08 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $34,278.38 | 1 | [Redacted] | $1,097.04 | [Redacted] | $91.42 | 14.408% | 14.408% | 14.408% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,640.00 | 6.680% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $559,842.37 | 86.120% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.11 | No | No | $0.00 | $25,312.34 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259879 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,297.22 | $10,204.67 | 7.481% | $2,450.38 | $2,450.38 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $5,458.22 | 1 | [Redacted] | $1,473.96 | [Redacted] | $122.83 | 45.910% | 45.910% | 45.910% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,297.22 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $177,296.44 | 39.480% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 58.51 | Yes | No | $0.00 | $4,874.13 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259883 | [Redacted] | [Redacted] | N/A | No | No | $1,939.31 | $1,939.31 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $858.96 | [Redacted] | $71.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $1,112,901.07 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Yes | 574.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259884 | [Redacted] | [Redacted] | N/A | No | No | $1,793.42 | $1,793.42 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,275.00 | [Redacted] | $106.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 27.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259917 | [Redacted] | [Redacted] | N/A | No | No | $2,027.89 | $2,027.89 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $3,021.00 | [Redacted] | $251.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.08 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259918 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,017.23 | 7.669% | $4,278.61 | $4,278.61 | 7.625% | No | No | Self-Employed | US Citizen | $30,983.83 | 1 | [Redacted] | $2,660.04 | [Redacted] | $221.67 | 21.702% | 21.702% | 21.702% | [Redacted] | 680 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.720% | $0.00 | 1.4 | None | No | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $262,207.49 | 32.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259921 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,040.00 | $7,050.04 | 7.863% | $3,049.05 | $3,049.05 | 7.750% | No | No | Self-Employed | US Citizen | $9,149.01 | 1 | [Redacted] | $2,519.04 | [Redacted] | $209.92 | 35.740% | 35.740% | 35.740% | [Redacted] | 712 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,040.00 | 6.680% | $0.00 | 4.4 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $179,259.17 | 33.690% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259922 | [Redacted] | [Redacted] | N/A | No | No | $2,620.25 | $2,620.25 | 6.375% | No | No | US Citizen | 1 | [Redacted] | $1,536.36 | [Redacted] | $128.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.03 | [redacted] | $15,014.00 | 2.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259923 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,297.50 | $5,558.07 | 7.268% | $1,129.87 | $1,129.87 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,029.81 | 1 | [Redacted] | $2,478.00 | [Redacted] | $206.50 | 28.450% | 28.450% | 28.450% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,297.50 | 6.680% | $6,000.00 | 2.6 | None | No | No | 6.990% | 0 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $542,354.97 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 288.53 | Yes | No | $3,013.55 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259926 | [Redacted] | [Redacted] | N/A | No | No | $1,455.54 | $1,455.54 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,364.04 | [Redacted] | $113.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.3 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $6,941.57 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 6.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259928 | [Redacted] | [Redacted] | N/A | No | No | $10,576.55 | $10,576.55 | 6.875% | No | No | 0 | US Citizen | US Citizen | 4 | [Redacted] | $3,707.04 | [Redacted] | $308.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $502,496.74 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 35.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259989 | [Redacted] | [Redacted] | N/A | No | No | $2,671.50 | $2,671.50 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $1,406.04 | [Redacted] | $117.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.12 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.98 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226261344 | [Redacted] | [Redacted] | N/A | No | No | $1,306.83 | $1,306.83 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $837.24 | [Redacted] | $69.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $244,864.34 | 92.310% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 268.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226261520 | [Redacted] | [Redacted] | N/A | No | No | $814.17 | $814.17 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $938.04 | [Redacted] | $78.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 117.13 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226261533 | [Redacted] | [Redacted] | N/A | No | No | $1,768.51 | $1,768.51 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,483.56 | [Redacted] | $123.63 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $247,334.53 | 70.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 61.94 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226261534 | [Redacted] | [Redacted] | N/A | No | No | $1,952.10 | $1,952.10 | 7.125% | No | No | 0 | Permanent Resident Alien | Not Provided | 1 | [Redacted] | $1,163.28 | [Redacted] | $96.94 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $152,990.95 | 38.430% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226263941 | [Redacted] | [Redacted] | N/A | No | No | $1,895.00 | $7,462.56 | 7.332% | $1,951.09 | $1,951.09 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,376.47 | 1 | [Redacted] | $1,768.80 | [Redacted] | $147.40 | 44.297% | 44.297% | 44.297% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,895.00 | 6.720% | $0.00 | 3.0 | DU | ApproveIneligible | No | No | 7.125% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $40,481.11 | 11.180% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.72 | No | No | $0.00 | $12,535.47 | No | No | No | No | 2 | 360 | AE | 07/19/2027 | $5,267,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226263948 | [Redacted] | [Redacted] | N/A | No | No | $1,959.21 | $1,959.21 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,488.00 | [Redacted] | $124.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $146,063.18 | 40.680% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226263990 | [Redacted] | [Redacted] | N/A | No | No | $1,668.43 | $1,668.43 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,334.04 | [Redacted] | $111.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.45 | 2.19 | [redacted] | $16,905.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.11 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226263999 | [Redacted] | [Redacted] | N/A | No | No | $932.41 | $932.41 | 7.375% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $1,462.20 | [Redacted] | $121.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264007 | [Redacted] | [Redacted] | N/A | No | No | $3,083.89 | $3,083.89 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $954.00 | [Redacted] | $79.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.6 | [redacted] | $199,233.16 | 34.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264011 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $6,413.60 | 7.405% | $5,249.13 | $5,249.13 | 7.375% | No | No | Employed | US Citizen | $46,317.12 | 1 | [Redacted] | $3,801.00 | [Redacted] | $316.75 | 30.942% | 30.942% | 30.942% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.720% | $0.00 | 4.4 | DU | ApproveEligible | No | No | 7.375% | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $657,766.86 | 62.340% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.31 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264014 | [Redacted] | [Redacted] | N/A | No | No | $2,417.36 | $2,417.36 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,142.04 | [Redacted] | $95.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 655 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264154 | [Redacted] | [Redacted] | N/A | No | No | $905.34 | $905.34 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $2,187.00 | [Redacted] | $182.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 648 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264422 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,101.25 | $3,972.95 | 7.130% | $1,362.49 | $1,362.49 | 6.990% | No | No | Self-Employed | US Citizen | $162,270.16 | 1 | [Redacted] | $2,454.96 | [Redacted] | $204.58 | 3.167% | 3.167% | 3.167% | [Redacted] | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,101.25 | 6.720% | $0.00 | 4.3 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $141,570.20 | 46.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 84.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264550 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $5,630.62 | 7.182% | $3,705.45 | $3,705.45 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $5,929.36 | 1 | [Redacted] | $1,829.04 | [Redacted] | $152.42 | 45.268% | 45.268% | 45.268% | [Redacted] | 706 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.720% | $0.00 | 2.7 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $668,896.45 | 62.220% | No | 4 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264585 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,627.60 | $11,692.72 | 7.617% | $2,881.84 | $3,148.07 | 7.889% | No | No | Non-Employment Income | US Citizen | $12,205.87 | 1 | [Redacted] | $1,092.36 | [Redacted] | $91.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $8,627.60 | 6.160% | $1,500.00 | 4.6 | None | No | No | 7.889% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,032,420.21 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 248.08 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264795 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,844.63 | $914.40 | 8.032% | $2,785.29 | $2,785.29 | 7.990% | No | No | Self-Employed | US Citizen | $7,294.60 | 1 | [Redacted] | $1,884.36 | [Redacted] | $157.03 | 34.621% | 34.621% | 34.621% | [Redacted] | 814 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,844.63 | 6.640% | $28,319.60 | 1.1 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,000.00 | 0.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264831 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,278.91 | $12,763.63 | 7.159% | $2,872.45 | $3,277.46 | 6.990% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Canada | Canada | $4,189.11 | 1 | [Redacted] | $4,288.20 | [Redacted] | $357.35 | 47.932% | 42.898% | 47.932% | [Redacted] | 726 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 16.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,278.91 | 6.720% | $5,500.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 360 | [redacted] | $204,897.60 | 31.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | 53.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264836 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,977.80 | $9,354.11 | 7.138% | $3,110.47 | $3,110.47 | 6.990% | Yes | No | Self-Employed | US Citizen | $6,765.02 | 1 | [Redacted] | $2,229.96 | [Redacted] | $185.83 | 41.611% | 41.611% | 41.611% | [Redacted] | 772 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,977.80 | 6.720% | $2,050.72 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $51,772.11 | 8.840% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.63 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264837 | [Redacted] | [Redacted] | N/A | No | No | $1,343.27 | $1,343.27 | 7.750% | No | No | Foreign National | 1 | [Redacted] | $360.96 | [Redacted] | $30.08 | 0.000% | 0.000% | 0.000% | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.24 | [redacted] | $109,107.71 | 43.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 16.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264839 | [Redacted] | [Redacted] | N/A | No | No | $1,690.00 | $5,015.32 | 7.194% | $2,971.10 | $2,971.10 | 7.125% | No | No | Not Employed | Employed | Self-Employed | 4.44 | US Citizen | US Citizen | $19,504.89 | 1 | [Redacted] | $1,872.96 | [Redacted] | $156.08 | 34.392% | 34.392% | 34.392% | [Redacted] | 768 | 784 | 766 | 768 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 2 | 2 | 0 | 3 | 3 | 0.00 | No | [redacted] | $102,140.51 | 16.210% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.98 | No | No | $15,617.63 | $7,516.67 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265032 | [Redacted] | [Redacted] | N/A | No | No | $1,703.16 | $1,703.16 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,740.00 | [Redacted] | $145.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $52,276.92 | 16.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265043 | [Redacted] | [Redacted] | N/A | No | No | $65,601.25 | $21,656.24 | 7.482% | $6,233.77 | $7,165.28 | 7.896% | No | No | Not Employed | Self-Employed | US Citizen | $166,009.60 | 1 | [Redacted] | $1,947.48 | [Redacted] | $162.29 | 29.572% | 29.686% | 29.572% | [Redacted] | 765 | No | Yes | 36 | Business | 100.000% | 25.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $65,601.25 | 6.300% | $0.00 | 1.0 | None | N/A | No | 7.896% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $30,139.21 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 60.91 | No | No | $235,713.73 | $0.00 | No | No | No | No | 9 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265148 | [Redacted] | [Redacted] | N/A | No | No | $3,080.84 | $3,080.84 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $828.00 | [Redacted] | $69.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $3,144,298.36 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 507.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265381 | [Redacted] | [Redacted] | N/A | No | No | $2,263.61 | $2,263.61 | 6.750% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [Redacted] | $907.20 | [Redacted] | $75.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $4,991.05 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265403 | [Redacted] | [Redacted] | N/A | No | No | $1,223.25 | $1,223.25 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | 240 | [redacted] | $0.00 | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | No | 73.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265412 | [Redacted] | [Redacted] | N/A | No | No | $1,537.83 | $1,537.83 | 8.500% | No | No | Permanent Resident Alien | US Citizen | 1 | [Redacted] | $1,535.04 | [Redacted] | $127.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $136,213.65 | 54.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 32.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226267038 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,545.00 | $5,772.82 | 7.719% | $3,863.16 | $4,014.01 | 7.896% | No | No | Self-Employed | Non-Permanent Resident Alien | India | $37,253.10 | 1 | [Redacted] | $532.08 | [Redacted] | $44.34 | 24.018% | 23.710% | 24.018% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,545.00 | 6.160% | $17,500.00 | 1.0 | None | No | No | 7.896% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $10,896.44 | 1.670% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 3.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226267522 | [Redacted] | [Redacted] | N/A | No | No | $750.39 | $750.39 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $563.04 | [Redacted] | $46.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 999.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269407 | [Redacted] | [Redacted] | N/A | No | No | $1,223.25 | $1,223.25 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 240 | [redacted] | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | No | 74.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269533 | [Redacted] | [Redacted] | N/A | No | No | $922.96 | $922.96 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $713.76 | [Redacted] | $59.48 | 0.000% | 0.000% | 0.000% | [Redacted] | 691 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $56,425.83 | 34.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $10,014,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269538 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,115.28 | $6,627.25 | 8.025% | $2,526.87 | $2,526.87 | 7.875% | No | No | Self-Employed | US Citizen | $6,040.23 | 1 | [Redacted] | $1,973.40 | [Redacted] | $164.45 | 35.102% | 35.102% | 35.102% | [Redacted] | 744 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $8,115.28 | 6.720% | $32,300.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 7.33 | No | [redacted] | $67,623.21 | 16.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269551 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,415.00 | $10,346.70 | 7.448% | $4,072.96 | $4,491.45 | 7.866% | No | No | Self-Employed | US Citizen | $16,938.72 | 1 | [Redacted] | $425.64 | [Redacted] | $35.47 | 41.388% | 39.940% | 41.388% | [Redacted] | 812 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,415.00 | 6.160% | $0.00 | 4.6 | None | No | No | 7.866% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $148,854.91 | 19.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 11.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269601 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $1,802.78 | 7.341% | $9,807.59 | $9,807.59 | 7.375% | No | No | Not Employed | Employed | US Citizen | US Citizen | $14,506.89 | 1 | [Redacted] | $2,512.08 | [Redacted] | $209.34 | 46.092% | 46.092% | 46.092% | [Redacted] | 790 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $20,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $2,356,338.69 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 169.02 | Yes | No | $0.00 | $26,910.66 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269752 | [Redacted] | [Redacted] | N/A | No | No | $1,223.25 | $1,223.25 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [redacted] | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | Yes | Yes | No | FICO II | Beacon 5.0 | No | 72.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269753 | [Redacted] | [Redacted] | N/A | No | No | $996.15 | $996.15 | 5.875% | No | No | US Citizen | 1 | [Redacted] | $846.84 | [Redacted] | $70.57 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.0 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269754 | [Redacted] | [Redacted] | N/A | No | No | $1,552.43 | $1,552.43 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $2,336.16 | [Redacted] | $194.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $272,836.52 | 73.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 56.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269755 | [Redacted] | [Redacted] | N/A | No | No | $3,368.59 | $3,368.59 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $1,950.00 | [Redacted] | $162.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 710 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $236,020.84 | 37.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269756 | [Redacted] | [Redacted] | N/A | No | No | $1,728.04 | $1,728.04 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,065.96 | [Redacted] | $88.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | $194,441.75 | 59.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269757 | [Redacted] | [Redacted] | N/A | No | No | $1,806.55 | $1,806.55 | 6.875% | No | No | US Citizen | 2 | [Redacted] | $3,650.04 | [Redacted] | $304.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.54 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 71.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269760 | [Redacted] | [Redacted] | N/A | No | No | $886.85 | $886.85 | 6.875% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $2,129.04 | [Redacted] | $177.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 81.84 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269761 | [Redacted] | [Redacted] | N/A | No | No | $1,289.93 | $1,289.93 | 6.250% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $4,687.20 | [Redacted] | $390.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269762 | [Redacted] | [Redacted] | N/A | No | No | $1,656.64 | $1,656.64 | 7.875% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $924.96 | [Redacted] | $77.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 687 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 3.3 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $81,015.05 | 28.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269764 | [Redacted] | [Redacted] | N/A | No | No | $4,732.60 | $4,732.60 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $14,994.96 | [Redacted] | $1,249.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.53 | 1.87 | [redacted] | $277,538.13 | 30.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | VE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269765 | [Redacted] | [Redacted] | N/A | No | No | $3,142.26 | $3,142.26 | 6.625% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $1,971.00 | [Redacted] | $164.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $1,235,006.09 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 146.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269767 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,857.38 | 8.242% | $1,663.19 | $1,663.19 | 8.125% | No | No | Non-Employment Income | US Citizen | $5,773.77 | 1 | [Redacted] | $1,530.96 | [Redacted] | $127.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.640% | $0.00 | 1.0 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,006,195.45 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 450.6 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269771 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $4,321.10 | 7.454% | $2,154.91 | $2,154.91 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $11,350.58 | 1 | [Redacted] | $2,551.08 | [Redacted] | $212.59 | 28.272% | 28.272% | 28.272% | [Redacted] | 716 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 7.375% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $2,168,708.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 734.19 | No | No | $11,018.81 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269783 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,750.00 | $2,257.87 | 7.434% | $2,790.33 | $2,790.33 | 7.375% | No | No | Self-Employed | US Citizen | $63,363.89 | 1 | [Redacted] | $2,182.68 | [Redacted] | $181.89 | 14.655% | 14.655% | 14.655% | [Redacted] | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,750.00 | 6.710% | $0.00 | 3.2 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $71,275.05 | 14.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269787 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,172.50 | $4,956.50 | 7.313% | $907.22 | $907.22 | 6.990% | No | No | Self-Employed | US Citizen | $37,265.65 | 1 | [Redacted] | $1,398.00 | [Redacted] | $116.50 | 16.248% | 16.248% | 16.248% | [Redacted] | 726 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,172.50 | 6.640% | $0.00 | 2.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $68,255.47 | 35.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.39 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 09/17/2026 | $2,700,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226272078 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $4,628.76 | 6.677% | $5,575.26 | $5,575.26 | 6.625% | No | No | Employed | Employed | US Citizen | US Citizen | $32,807.71 | 1 | [Redacted] | $1,908.24 | [Redacted] | $159.02 | 20.961% | 20.961% | 20.961% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.180% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,269,138.35 | 77.620% | No | 0 | 32 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 35.68 | No | No | $0.00 | $25,722.67 | No | No | No | No | 1 | 180 | AO | 09/09/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226272133 | [Redacted] | [Redacted] | N/A | No | No | $1,074.43 | $1,074.43 | 7.250% | No | No | US Citizen | US Citizen | 2 | [Redacted] | $3,623.04 | [Redacted] | $301.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $109,368.39 | 52.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226272367 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,677.74 | $7,175.98 | 7.173% | $2,019.95 | $2,019.95 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $3,543.75 | 1 | [Redacted] | $2,513.28 | [Redacted] | $209.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,677.74 | 6.720% | $0.00 | 2.5 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,273,614.84 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 423.72 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273333 | [Redacted] | [Redacted] | N/A | No | No | $1,415.02 | $1,415.02 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,004.04 | [Redacted] | $83.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $157,715.74 | 63.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273381 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,223.28 | $1,197.62 | 7.487% | $2,537.80 | $2,537.80 | 7.500% | No | No | Self-Employed | US Citizen | $10,971.34 | 1 | [Redacted] | $2,257.92 | [Redacted] | $188.16 | 26.689% | 26.689% | 26.689% | [Redacted] | 744 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,223.28 | 6.720% | $14,464.00 | 1.1 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $167,683.29 | 39.270% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.41 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273398 | [Redacted] | [Redacted] | N/A | No | No | $1,423.89 | $1,423.89 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,049.00 | [Redacted] | $170.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | 799 | 803 | 801 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273591 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $11,034.12 | 7.028% | $7,975.57 | $7,975.57 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $11,282.93 | 1 | [Redacted] | $2,169.24 | [Redacted] | $180.77 | 48.059% | 48.059% | 48.059% | [Redacted] | 779 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $10,000.00 | 1.0 | None | Yes | No | 6.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $837,850.21 | 46.540% | No | 30 | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.45 | No | $3,739.88 | $15,544.98 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273735 | [Redacted] | [Redacted] | N/A | No | No | $1,366.38 | $1,366.38 | 7.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,164.96 | [Redacted] | $97.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $271,094.03 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 125.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273737 | [Redacted] | [Redacted] | N/A | No | No | $2,083.08 | $2,083.08 | 7.375% | No | No | US Citizen | 1 | [Redacted] | $1,349.04 | [Redacted] | $112.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $124,255.78 | 32.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273744 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,790.50 | $2,205.89 | 8.219% | $4,462.52 | $4,462.52 | 8.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,478.82 | 1 | [Redacted] | $2,361.96 | [Redacted] | $196.83 | 37.556% | 37.556% | 37.556% | [Redacted] | 789 | No | Yes | 12 | Business | 100.000% | 57.950% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 57.95% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,790.50 | 6.710% | $12,000.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $108,118.36 | 16.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226274517 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,365.22 | $22,481.10 | 7.397% | $7,654.02 | $7,654.02 | 7.250% | No | No | Employed | US Citizen | $23,339.54 | 1 | [Redacted] | $890.52 | [Redacted] | $74.21 | 49.276% | 49.276% | 49.276% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,365.22 | 6.710% | $0.00 | 2.6 | DU | ApproveIneligible | No | No | 7.250% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $1,547,995.42 | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 119.11 | No | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226275109 | [Redacted] | [Redacted] | N/A | No | No | $847.54 | $847.54 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $441.96 | [Redacted] | $36.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 117.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278616 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,030.00 | $7,331.42 | 9.107% | $2,148.24 | $2,148.24 | 8.875% | No | No | Self-Employed | US Citizen | $7,232.58 | 1 | [Redacted] | $2,088.00 | [Redacted] | $174.00 | 38.749% | 38.749% | 38.749% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,030.00 | 6.720% | $2,500.00 | 1.0 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $104,530.44 | 34.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278713 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,813.51 | $4,209.29 | 7.188% | $788.24 | $788.24 | 6.875% | No | No | Employed | US Citizen | $2,562.10 | 1 | [Redacted] | $315.96 | [Redacted] | $26.33 | 38.510% | 38.510% | 38.510% | [Redacted] | 804 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,813.51 | 6.680% | $0.00 | 1.0 | None | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $267,755.99 | 100.000% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 177.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278957 | [Redacted] | [Redacted] | N/A | No | No | $985.39 | $985.39 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,420.08 | [Redacted] | $118.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $15,854.74 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278958 | [Redacted] | [Redacted] | N/A | No | No | $978.65 | $978.65 | 7.990% | No | No | US Citizen | 2 | [Redacted] | $3,303.00 | [Redacted] | $275.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278968 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,321.50 | $17,240.22 | 7.441% | $5,044.69 | $5,044.69 | 7.250% | No | No | Self-Employed | US Citizen | $17,495.54 | 1 | [Redacted] | $1,309.44 | [Redacted] | $109.12 | 27.578% | 27.578% | 27.578% | [Redacted] | 819 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,321.50 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $319,479.16 | 36.720% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226279006 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,454.25 | $10,859.38 | 7.792% | $1,650.71 | $1,650.71 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $5,225.18 | 1 | [Redacted] | $2,897.04 | [Redacted] | $241.42 | 48.478% | 48.478% | 48.478% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,454.25 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $21,848.16 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.02 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226279014 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $4,386.37 | 7.341% | $1,162.16 | $1,162.16 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,912.79 | 1 | [Redacted] | $1,552.80 | [Redacted] | $129.40 | 34.817% | 34.817% | 34.817% | [Redacted] | 788 | Yes | No | [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.710% | $5,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $276,590.20 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 147.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226279396 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,611.00 | $8,931.90 | 7.043% | $2,811.66 | $2,811.66 | 6.875% | No | No | Non-Employment Income | US Citizen | $19,034.51 | 1 | [Redacted] | $4,215.96 | [Redacted] | $351.33 | 35.278% | 35.278% | 35.278% | [Redacted] | 785 | Yes | No | [Borrower - | Non-Primary Income - Wages]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $6,611.00 | 6.720% | $1,800.00 | 2.9 | None | No | No | 6.875% | 2 | 0 | 0 | 1 | 0 | 0.00 | No | Other | [redacted] | $2,177,626.25 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 522.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226280148 | [Redacted] | [Redacted] | N/A | No | No | $611.23 | $611.23 | 7.250% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $783.48 | [Redacted] | $65.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.8 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $47,996.46 | 42.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226280150 | [Redacted] | [Redacted] | N/A | No | No | $1,526.98 | $1,526.98 | 6.250% | No | No | US Citizen | 1 | [Redacted] | $1,062.72 | [Redacted] | $88.56 | 0.000% | 0.000% | 0.000% | [Redacted] | 694 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $569,794.34 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 245.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226281418 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,695.00 | $6,677.16 | 6.954% | $3,337.20 | $3,337.20 | 6.875% | No | No | Self-Employed | US Citizen | $4,704.85 | 1 | [Redacted] | $1,467.24 | [Redacted] | $122.27 | 47.583% | 47.583% | 47.583% | [Redacted] | 808 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,695.00 | 6.720% | $5,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $22,237.64 | 3.500% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226283140 | [Redacted] | [Redacted] | N/A | No | No | $2,524.49 | $2,524.49 | 8.125% | No | No | US Citizen | 1 | [Redacted] | $1,733.04 | [Redacted] | $144.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $291,768.18 | 68.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 65.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226283538 | [Redacted] | [Redacted] | N/A | No | No | $2,428.37 | $2,428.37 | 7.500% | No | No | US Citizen | 2 | [Redacted] | $2,279.04 | [Redacted] | $189.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 1 | 1 | 4 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $14,250.00 | 3.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 4 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284013 | [Redacted] | [Redacted] | N/A | No | No | $2,118.60 | $2,118.60 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [Redacted] | $1,556.64 | [Redacted] | $129.72 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [redacted] | $496,007.76 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 159.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284020 | [Redacted] | [Redacted] | N/A | No | No | $879.68 | $879.68 | 7.990% | No | No | US Citizen | 3 | [Redacted] | $3,339.96 | [Redacted] | $278.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $4,200.32 | 2.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.26 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284095 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,995.00 | $18,258.92 | 9.118% | $9,003.72 | $9,003.72 | 8.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $18,982.67 | 1 | [Redacted] | $4,236.60 | [Redacted] | $353.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 682 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $9,995.00 | 6.720% | $0.00 | 5.0 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,129,713.71 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 167.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284117 | [Redacted] | [Redacted] | N/A | No | No | $702.91 | $702.91 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,405.20 | [Redacted] | $117.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.7 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 75.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284119 | [Redacted] | [Redacted] | N/A | No | No | $1,180.45 | $1,180.45 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $934.32 | [Redacted] | $77.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.1 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 327.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284122 | [Redacted] | [Redacted] | N/A | No | No | $1,077.16 | $1,077.16 | 7.250% | No | No | US Citizen | 1 | [Redacted] | $1,746.96 | [Redacted] | $145.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284125 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,480.11 | $6,819.66 | 7.666% | $1,021.90 | $1,021.90 | 7.250% | No | No | Employed | US Citizen | $3,339.63 | 1 | [Redacted] | $794.64 | [Redacted] | $66.22 | 40.269% | 40.269% | 40.269% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,480.11 | 6.710% | $0.00 | 1.9 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $181,423.65 | 84.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284138 | [Redacted] | [Redacted] | N/A | No | No | $722.79 | $722.79 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $1,524.96 | [Redacted] | $127.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | 810 | 805 | 798 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284139 | [Redacted] | [Redacted] | N/A | No | No | $1,076.02 | $1,076.02 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $1,218.96 | [Redacted] | $101.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | 778 | 804 | 785 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | LP | Business Entity | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285150 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,695.00 | $19,651.62 | 6.873% | $7,783.18 | $7,783.18 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,905.12 | 1 | [Redacted] | $3,099.00 | [Redacted] | $258.25 | 45.424% | 45.424% | 45.424% | [Redacted] | 728 | No | Yes | 48 | Personal, Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,695.00 | 6.720% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 24 | 0.00 | No | [redacted] | $54,311.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.17 | No | $13,916.50 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285151 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,739.61 | $9,571.26 | 9.255% | $1,536.43 | $1,536.43 | 8.750% | No | Yes | Employed | Self-Employed | US Citizen | US Citizen | $8,953.19 | 1 | [Redacted] | $401.04 | [Redacted] | $33.42 | 39.799% | 39.799% | 39.799% | [Redacted] | 738 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $7,739.61 | 6.640% | $0.00 | 1.0 | None | Yes | No | 8.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $40,093.40 | 18.470% | No | 25 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.73 | Yes | No | $12,220.16 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285153 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,370.40 | $10,894.10 | 7.388% | $1,690.82 | $1,690.82 | 6.990% | No | No | Non-Employment Income | US Citizen | $12,323.25 | 1 | [Redacted] | $2,336.16 | [Redacted] | $194.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,370.40 | 6.640% | $9,540.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $926,849.38 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 355.56 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285177 | [Redacted] | [Redacted] | N/A | No | No | $1,880.58 | $1,880.58 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $1,558.56 | [Redacted] | $129.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 715 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $3,893.01 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285184 | [Redacted] | [Redacted] | N/A | No | No | $1,570.19 | $1,570.19 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,065.00 | [Redacted] | $88.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $113,979.74 | 36.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285185 | [Redacted] | [Redacted] | N/A | No | No | $1,595.11 | $1,595.11 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,080.00 | [Redacted] | $90.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $106,456.01 | 33.260% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285204 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,294.00 | $5,156.54 | 7.405% | $1,104.90 | $1,104.90 | 7.125% | No | No | Self-Employed | US Citizen | $3,459.32 | 1 | [Redacted] | $414.84 | [Redacted] | $34.57 | 40.739% | 40.739% | 40.739% | [Redacted] | 801 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 28.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,294.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $95,403.92 | 46.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.16 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285534 | [Redacted] | [Redacted] | N/A | No | No | $1,379.55 | $1,379.55 | 6.875% | No | No | 0 | US Citizen | 1 | [Redacted] | $1,236.00 | [Redacted] | $103.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285727 | [Redacted] | [Redacted] | N/A | No | No | $2,310.00 | $5,320.04 | 6.927% | $3,757.63 | $3,757.63 | 6.875% | No | No | Self-Employed | US Citizen | $7,355.00 | 3 | [Redacted] | $2,766.00 | [Redacted] | $230.50 | 46.608% | 46.608% | 46.608% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,310.00 | 6.720% | $0.00 | 2.6 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.94 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226292686 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,095.76 | 7.575% | $1,961.52 | $1,961.52 | 7.375% | No | No | Self-Employed | US Citizen | $8,253.31 | 1 | [Redacted] | $3,153.00 | [Redacted] | $262.75 | 36.426% | 36.426% | 36.426% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.710% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $110,664.05 | 31.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293820 | [Redacted] | [Redacted] | N/A | No | No | $1,189.30 | $1,189.30 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,447.96 | [Redacted] | $287.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | 762 | 772 | 787 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $405,445.00 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 232.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293822 | [Redacted] | [Redacted] | N/A | No | No | $1,126.63 | $1,126.63 | 6.875% | No | No | 0 | 0 | US Citizen | 1 | [Redacted] | $1,260.00 | [Redacted] | $105.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | LP | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293825 | [Redacted] | [Redacted] | N/A | No | No | $1,360.79 | $1,360.79 | 6.990% | No | No | 0 | 0 | Foreign National | Foreign National | Foreign National | 1 | [Redacted] | $1,062.96 | [Redacted] | $88.58 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.8 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $14,000.00 | 5.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 12.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293871 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,295.28 | 7.850% | $3,157.95 | $3,157.95 | 7.750% | No | No | Non-Employment Income | US Citizen | $6,072.14 | 1 | [Redacted] | $731.04 | [Redacted] | $60.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | No Ratio | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.710% | $0.00 | 4.6 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $678,203.63 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 133.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293872 | [Redacted] | [Redacted] | N/A | No | No | $25,441.80 | $10,959.00 | 7.866% | $2,377.33 | $2,412.15 | 7.649% | No | No | Employed | Permanent Resident Alien | $5,250.59 | 1 | [Redacted] | $2,049.00 | [Redacted] | $170.75 | 47.501% | 51.486% | 47.501% | [Redacted] | 698 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $25,441.80 | 6.310% | $14,875.00 | 1.1 | None | Yes | No | 7.649% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $299,975.00 | 70.580% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 79.43 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294125 | [Redacted] | [Redacted] | N/A | No | No | $37,360.00 | $17,312.41 | 6.976% | $2,846.18 | $2,846.18 | 6.625% | No | No | Self-Employed | US Citizen | $2,089.48 | 1 | [Redacted] | $1,142.04 | [Redacted] | $95.17 | 33.183% | 33.183% | 33.183% | [Redacted] | 777 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $37,360.00 | 6.710% | $0.00 | 2.7 | None | Yes | No | 6.625% | 0 | 1 | 0 | 2 | 1 | 8.00 | No | [redacted] | $9,334.02 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294173 | [Redacted] | [Redacted] | N/A | No | No | $4,256.50 | $5,326.35 | 8.063% | $1,128.35 | $1,128.35 | 7.750% | No | No | Employed | US Citizen | $10,023.97 | 1 | [Redacted] | $966.96 | [Redacted] | $80.58 | 39.856% | 39.856% | 39.856% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,256.50 | 6.710% | $0.00 | 2.6 | DU | ApproveIneligible | Yes | No | 7.750% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $37,865.97 | 21.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.21 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294181 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $7,907.09 | 7.076% | $2,135.02 | $2,135.02 | 6.875% | No | Yes | Employed | Employed | US Citizen | US Citizen | $13,647.01 | 1 | [Redacted] | $983.04 | [Redacted] | $81.92 | 36.030% | 36.030% | 36.030% | [Redacted] | 720 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.680% | $0.00 | 2.5 | None | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $920,929.98 | 100.000% | No | 33 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 224.8 | No | No | $0.00 | $15,000.01 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294322 | [Redacted] | [Redacted] | N/A | No | No | $895.99 | $895.99 | 6.625% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $2,157.96 | [Redacted] | $179.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | 762 | 772 | 787 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $383,722.00 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 264.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294914 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,764.00 | $48.64 | 7.197% | $2,346.69 | $2,346.69 | 7.250% | No | No | Self-Employed | US Citizen | $14,502.68 | 1 | [Redacted] | $2,082.84 | [Redacted] | $173.57 | 17.958% | 17.958% | 17.958% | [Redacted] | 736 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,764.00 | 6.680% | $10,500.00 | 3.2 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | [redacted] | $457,049.17 | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 131.16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295046 | [Redacted] | [Redacted] | N/A | No | No | $30,590.00 | $39,202.10 | 7.490% | $9,755.12 | $9,755.12 | 7.250% | No | No | Non-Employment Income | US Citizen | $67,131.38 | 4 | [Redacted] | $6,379.32 | [Redacted] | $531.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $30,590.00 | 6.710% | $55,000.00 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $6,345,854.88 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 432.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295071 | [Redacted] | [Redacted] | N/A | No | No | $3,656.52 | $3,656.52 | 6.500% | No | No | US Citizen | 1 | [Redacted] | $1,805.04 | [Redacted] | $150.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $406,090.44 | 45.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295116 | [Redacted] | [Redacted] | N/A | No | No | $1,430.89 | $1,430.89 | 7.990% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,263.00 | [Redacted] | $105.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.0 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $246,980.64 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 105.33 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295301 | [Redacted] | [Redacted] | N/A | No | No | $5,099.27 | $5,099.27 | 7.250% | No | No | 0 | US Citizen | US Citizen | 3 | [Redacted] | $4,649.04 | [Redacted] | $387.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 688 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 47.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295564 | [Redacted] | [Redacted] | N/A | No | No | $2,107.94 | $2,107.94 | 6.750% | No | No | 0 | US Citizen | 4 | [Redacted] | $3,243.96 | [Redacted] | $270.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.91 | 0.52 | [redacted] | $354,350.53 | No | Yes | Commitment | Fee Simple | LLC | Guarantor - Business Entity | Individual | Individual | Individual | Member | Yes | Guarantor - Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 152.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295742 | [Redacted] | [Redacted] | N/A | No | No | $2,135.12 | $2,135.12 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $3,513.96 | [Redacted] | $292.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.82 | 0.35 | [redacted] | $256,405.37 | 49.980% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297764 | [Redacted] | [Redacted] | N/A | No | No | $6,306.01 | $6,306.01 | 7.125% | No | No | US Citizen | 1 | [Redacted] | $8,944.08 | [Redacted] | $745.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $11,500.00 | 0.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.7 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297765 | [Redacted] | [Redacted] | N/A | No | No | $6,210.07 | $6,210.07 | 6.500% | No | No | US Citizen | 3 | [Redacted] | $1,524.96 | [Redacted] | $127.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.06 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297766 | [Redacted] | [Redacted] | N/A | No | No | $2,484.41 | $2,484.41 | 6.625% | No | No | US Citizen | 1 | [Redacted] | $1,749.96 | [Redacted] | $145.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $378,037.92 | 77.940% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 79.38 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297773 | [Redacted] | [Redacted] | N/A | No | No | $24,870.00 | $8,106.73 | 7.922% | $2,779.68 | $2,779.68 | 7.750% | No | No | Employed | US Citizen | $13,065.19 | 1 | [Redacted] | $2,042.16 | [Redacted] | $170.18 | 42.884% | 42.884% | 42.884% | [Redacted] | 681 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $24,870.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.750% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $61,513.75 | 12.680% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.03 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297777 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,956.44 | $12,247.76 | 7.695% | $2,393.19 | $2,393.19 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $7,106.22 | 1 | [Redacted] | $1,308.96 | [Redacted] | $109.08 | 40.822% | 40.822% | 40.822% | [Redacted] | 725 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,956.44 | 6.720% | $0.00 | 2.6 | DU | ApproveIneligible | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 0 | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 3.06 | No | No | $0.00 | $3,914.32 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297778 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,067.50 | $4,865.50 | 7.199% | $1,309.32 | $1,309.32 | 6.990% | No | No | Self-Employed | US Citizen | $2,541.78 | 1 | [Redacted] | $909.00 | [Redacted] | $75.75 | 44.508% | 44.508% | 44.508% | [Redacted] | 797 | Yes | Yes | 12 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.53000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,067.50 | 6.680% | $0.00 | 1.7 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $261,325.45 | 75.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.96 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297781 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,537.76 | 7.195% | $9,056.25 | $13,114.02 | 7.646% | No | No | Non-Employment Income | US Citizen | $20,609.45 | 1 | [Redacted] | $1,804.32 | [Redacted] | $150.36 | 43.217% | 32.037% | 43.217% | [Redacted] | 774 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.646% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,805,079.53 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 324.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297800 | [Redacted] | [Redacted] | N/A | No | No | $1,598.82 | $1,598.82 | 7.990% | No | No | US Citizen | 1 | [Redacted] | $2,015.28 | [Redacted] | $167.94 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 1 | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297858 | [Redacted] | [Redacted] | N/A | No | No | $5,356.78 | $5,356.78 | 6.500% | No | No | US Citizen | 2 | [Redacted] | $1,431.96 | [Redacted] | $119.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.9 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297897 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,283.75 | $6,815.87 | 7.081% | $3,439.47 | $3,439.47 | 6.990% | No | No | Employed | Employed | US Citizen | Non-Permanent Resident Alien | India | $19,369.56 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 36.168% | 36.168% | 36.168% | [Redacted] | 717 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,283.75 | 6.710% | $157,917.44 | 2.0 | DU | ApproveEligible | No | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $74,106.21 | 10.740% | No | 4 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 9.14 | No | No | $0.00 | $24,927.94 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297954 | [Redacted] | [Redacted] | N/A | No | No | $2,014.91 | $2,014.91 | 7.750% | No | No | US Citizen | 4 | [Redacted] | $4,266.60 | [Redacted] | $355.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.73 | 0.57 | [redacted] | $212,739.75 | 56.730% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 37.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298012 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,566.25 | $5,818.99 | 8.369% | $2,969.38 | $2,969.38 | 8.250% | No | No | Self-Employed | US Citizen | $5,518.08 | 1 | [Redacted] | $1,088.52 | [Redacted] | $90.71 | 48.646% | 48.646% | 48.646% | [Redacted] | 703 | No | No | [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2023 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2023 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $3,566.25 | 6.710% | $11,625.00 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $136,009.57 | 29.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298395 | [Redacted] | [Redacted] | N/A | No | No | $3,435.96 | $3,435.96 | 7.125% | No | No | US Citizen | 2 | [Redacted] | $6,397.20 | [Redacted] | $533.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $186,026.10 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 39.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298941 | [Redacted] | [Redacted] | N/A | No | No | $1,703.22 | $1,703.22 | 6.750% | No | No | US Citizen | 1 | [Redacted] | $3,824.04 | [Redacted] | $318.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298969 | [Redacted] | [Redacted] | N/A | No | No | $2,632.99 | $2,632.99 | 7.625% | No | No | US Citizen | 1 | [Redacted] | $1,625.04 | [Redacted] | $135.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $46,466.88 | 9.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226299000 | [Redacted] | [Redacted] | N/A | No | No | $1,120.31 | $1,120.31 | 7.500% | No | No | US Citizen | 1 | [Redacted] | $461.04 | [Redacted] | $38.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 700 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | 240 | [redacted] | $121,958.40 | 51.020% | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226299256 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $6,501.71 | 7.646% | $3,733.81 | $3,788.50 | 7.649% | No | No | Not Employed | Not Employed | Employed | 0.61 | US Citizen | US Citizen | $543,500.83 | 1 | [Redacted] | $10,358.04 | [Redacted] | $863.17 | 9.286% | 9.277% | 9.286% | [Redacted] | 740 | 740 | 752 | 726 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.160% | $0.00 | None | No | No | 7.649% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $4,116,922.02 | 100.000% | No | 6 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 685.24 | No | No | $0.00 | $599,135.65 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300979 | [Redacted] | [Redacted] | N/A | No | No | $2,964.67 | $2,964.67 | 7.500% | No | No | US Citizen | US Citizen | 3 | [Redacted] | $5,237.04 | [Redacted] | $436.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $24,717.76 | 4.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301092 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $14,694.10 | 7.224% | $3,610.28 | $3,610.28 | 6.990% | No | No | Self-Employed | US Citizen | $17,314.24 | 1 | [Redacted] | $2,965.32 | [Redacted] | $247.11 | 30.729% | 30.729% | 30.729% | [Redacted] | 744 | No | Yes | 24 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $2,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $63,790.35 | 9.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301100 | [Redacted] | [Redacted] | N/A | No | No | $28,646.00 | $9,095.88 | 7.167% | $2,911.08 | $2,911.08 | 6.990% | No | No | Not Employed | Self-Employed | Employed | 11.06 | US Citizen | US Citizen | $23,756.04 | 1 | [Redacted] | $0.00 | [Redacted] | $0.00 | 27.692% | 27.692% | 27.692% | [Redacted] | 775 | 801 | 784 | 794 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - No Results Returned - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $28,646.00 | 6.680% | $0.00 | 999.0 | None | No | No | 6.990% | 0 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $489,665.99 | 67.070% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.57 | No | No | $24,151.24 | $8,702.67 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301105 | [Redacted] | [Redacted] | N/A | No | No | $1,433.28 | $1,433.28 | 7.625% | No | No | US Citizen | 3 | [Redacted] | $1,040.04 | [Redacted] | $86.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 730 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.11 | 0.47 | [redacted] | $10,000.00 | 3.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301123 | [Redacted] | [Redacted] | N/A | No | No | $877.31 | $877.31 | 6.990% | No | No | US Citizen | 2 | [Redacted] | $968.04 | [Redacted] | $80.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $102,002.84 | 61.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301173 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,440.00 | $16,269.50 | 7.850% | $4,671.44 | $4,671.44 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $28,776.48 | 1 | [Redacted] | $2,733.00 | [Redacted] | $227.75 | 23.118% | 23.118% | 23.118% | [Redacted] | 667 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,440.00 | 6.720% | $0.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 84.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301257 | [Redacted] | [Redacted] | N/A | No | No | $1,114.15 | $1,114.15 | 6.875% | No | No | US Citizen | 1 | [Redacted] | $1,232.04 | [Redacted] | $102.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $234,776.72 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 117.82 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226302295 | [Redacted] | [Redacted] | N/A | No | No | $3,911.61 | $3,911.61 | 7.750% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $500.04 | [Redacted] | $41.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | 724 | 759 | 731 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [redacted] | $492,415.02 | 63.130% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226302354 | [Redacted] | [Redacted] | N/A | No | No | $1,929.69 | $1,929.69 | 6.500% | No | No | 0 | US Citizen | Not Provided | 1 | [Redacted] | $3,482.76 | [Redacted] | $290.23 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | 240 | [redacted] | $350,315.27 | 73.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226302361 | [Redacted] | [Redacted] | N/A | No | No | $1,206.15 | $1,206.15 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | [Redacted] | $1,886.04 | [Redacted] | $157.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $79,210.46 | 34.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.22 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303176 | [Redacted] | [Redacted] | N/A | No | No | $11,003.75 | $13,532.25 | 8.200% | $2,095.51 | $2,095.51 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $6,959.61 | 1 | [Redacted] | $3,950.04 | [Redacted] | $329.17 | 49.540% | 49.540% | 49.540% | [Redacted] | 660 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $11,003.75 | 6.490% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 7.750% | 0 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $3,649.38 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.31 | No | No | $0.00 | $8,939.04 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303260 | [Redacted] | [Redacted] | N/A | No | No | $26,165.00 | $4,953.69 | 7.568% | $3,408.67 | $3,408.67 | 7.500% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | US Citizen | $23,048.21 | 1 | [Redacted] | $1,282.56 | [Redacted] | $106.88 | 34.392% | 34.392% | 34.392% | [Redacted] | 780 | 767 | 793 | 780 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $26,165.00 | 6.680% | $0.00 | 2.1 | None | Yes | No | 7.500% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $600,263.96 | 92.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.78 | No | No | $0.00 | $35,130.33 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303263 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $7,531.45 | 6.990% | $3,202.53 | $3,202.53 | 6.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,634.50 | 1 | [Redacted] | $2,670.24 | [Redacted] | $222.52 | 25.477% | 25.477% | 25.477% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 0 | 1 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,834,610.01 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 717.42 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303674 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,119.00 | $6,430.54 | 7.266% | $1,395.73 | $1,395.73 | 6.990% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $1,683.14 | 1 | [Redacted] | $2,795.04 | [Redacted] | $232.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,119.00 | 6.720% | $200.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $617,152.09 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 267.88 | No | $6,316.11 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304155 | [Redacted] | [Redacted] | N/A | No | No | $5,091.41 | $5,091.41 | 7.125% | No | No | US Citizen | 4 | [Redacted] | $5,599.80 | [Redacted] | $466.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 240 | [redacted] | $553,895.46 | 45.210% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304316 | [Redacted] | [Redacted] | N/A | No | No | $4,635.80 | $4,635.80 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,736.16 | [Redacted] | $144.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304318 | [Redacted] | [Redacted] | N/A | No | No | $2,827.95 | $2,827.95 | 9.375% | No | No | US Citizen | 4 | [Redacted] | $2,376.00 | [Redacted] | $198.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $143,329.25 | 35.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304319 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $13,064.10 | 7.152% | $15,542.69 | $15,542.69 | 7.125% | No | No | Self-Employed | US Citizen | $22,549.79 | 1 | [Redacted] | $5,952.00 | [Redacted] | $496.00 | 43.397% | 43.397% | 43.397% | [Redacted] | 728 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $0.00 | 4.0 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 7.00 | No | [redacted] | $67,797.85 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.69 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304321 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,313.38 | $17,161.68 | 7.050% | $13,031.75 | $13,031.75 | 6.990% | No | No | Self-Employed | US Citizen | $96,589.33 | 1 | [Redacted] | $11,787.96 | [Redacted] | $982.33 | 23.928% | 23.928% | 23.928% | [Redacted] | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,313.38 | 6.710% | $0.00 | 5.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $45,000.00 | 1.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 384.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 09/15/2024 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304328 | [Redacted] | [Redacted] | N/A | No | No | $672.94 | $672.94 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,239.00 | [Redacted] | $103.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304761 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,903.21 | $5,209.98 | 7.065% | $979.38 | $979.38 | 6.750% | No | No | Self-Employed | US Citizen | $3,186.15 | 1 | [Redacted] | $2,595.00 | [Redacted] | $216.25 | 34.460% | 34.460% | 34.460% | [Redacted] | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2010 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,903.21 | 6.680% | $0.00 | 2.2 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $263,489.91 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305133 | [Redacted] | [Redacted] | N/A | No | No | $5,750.00 | $14,633.75 | 7.672% | $11,437.50 | $11,437.50 | 7.625% | No | No | Not Employed | Non-Employment Income | Permanent Resident Alien | $30,663.10 | 1 | [Redacted] | $5,564.16 | [Redacted] | $463.68 | 47.096% | 47.096% | 52.664% | [Redacted] | 708 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 2 | 0 | 0 | [redacted] | $5,750.00 | 6.130% | $0.00 | 3.4 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $5,411,169.69 | 100.000% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 353.2 | No | No | $57,960.35 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305375 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | US Citizen | 1 | [Redacted] | $1,812.96 | [Redacted] | $151.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 77.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305456 | [Redacted] | [Redacted] | N/A | No | No | $1,024.47 | $1,024.47 | 7.750% | No | No | US Citizen | 1 | [Redacted] | $989.04 | [Redacted] | $82.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 724 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.5 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.55 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 106.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226307546 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,148.56 | $13,865.38 | 5.992% | $2,894.52 | $2,894.52 | 5.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $4,934.88 | 1 | [Redacted] | $4,623.00 | [Redacted] | $385.25 | 45.393% | 45.393% | 45.393% | [Redacted] | 813 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,148.56 | 6.710% | $125,000.00 | 1.3 | None | Yes | No | 5.750% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $239,144.43 | 38.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.27 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226312974 | [Redacted] | [Redacted] | N/A | No | No | $2,011.54 | $2,011.54 | 7.990% | No | No | 0 | US Citizen | US Citizen | 1 | [Redacted] | $3,953.28 | [Redacted] | $329.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | 686 | 691 | 678 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 96.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313026 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,490.00 | $22,232.74 | 7.172% | $20,211.56 | $20,211.56 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $137,287.10 | 1 | [Redacted] | $9,470.64 | [Redacted] | $789.22 | 18.512% | 18.512% | 18.512% | [Redacted] | 805 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,490.00 | 6.710% | $0.00 | 3.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.06 | No | No | $85,922.60 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313041 | [Redacted] | [Redacted] | N/A | No | No | $3,140.38 | $3,140.38 | 6.990% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $988.44 | [Redacted] | $82.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 673 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.4 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $638,915.07 | 94.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 94.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313073 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,518.00 | $4,686.44 | 7.450% | $1,837.03 | $1,837.03 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,901.84 | 1 | [Redacted] | $890.52 | [Redacted] | $74.21 | 47.624% | 47.624% | 47.624% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,518.00 | 6.160% | $0.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 3.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.78 | No | No | $4,679.50 | $0.00 | No | No | No | No | 2 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313113 | [Redacted] | [Redacted] | N/A | No | No | $2,075.05 | $2,075.05 | 7.125% | No | No | US Citizen | US Citizen | 1 | [Redacted] | $998.04 | [Redacted] | $83.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $31,838.25 | 8.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X |