Exhibit 99.06 Schedule 4

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name
XXXX XXXX 4000108996 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 11600.0 XXXX 6.270% Manual Underwriting Manual Underwriting No 6.707%   6.250% 6.250% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   38.39% 38.39% 38.39% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 12 0 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0     Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX     802                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   GA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 21.0 XXXX 21.0 No 76.6 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000109751 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 XXXX 6.190% Manual Underwriting Manual Underwriting No 6.383%   6.125% 6.125% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX CA XXXX XXXX Monthly 49.77% 46.74% 46.74% No No             Self-Employed Employed         12 Month Bank Statement 0 1 YR W2 NA 1 Month N/A 0 N/A 0 0 0 0 0 0 0 NA Yes No No 0 No Yes Yes 0 12 No N/A 0 0 83.67% 100.00% 0.00% Proceeds from Sale N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 XXXX NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 || Co Borrower - Wage, SSI and Disability - 1 YR W2 Verified, 1 Month Paystubs Verified, Award Letter Verified - 2024, 2025 Borrower - 2025, 2026 || Co Borrower - 2024, 2025 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     736                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 23.3 XXXX 23.3 No 64.97 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000115438 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     5.875% 5.875% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0 XXXX   0 0   Yes 1.827 1.827   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX     761                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   OR XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   OR XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 0.0 XXXX 21.2 No 33.97 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000119845 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.625% 6.625% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 0.779 0.779   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     785                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 0.0 XXXX 136.6 No 60.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000119343 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 9495.45 XXXX 5.980% Manual Underwriting Manual Underwriting No 6.407%   6.250% 6.250% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   54.49% 54.11% 54.11% No No             Retired Retired         1YR Full Doc 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 Yes Yes No Yes 120.0 No No Yes 0 0 No Yes 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 XXXX NA 0 0 N/A No 0   N/A Borrower - Other - Award Letter Verified - 2026 || Co Borrower - Other, Asset Depletion - Award Letter Verified - 2026 Borrower - 2026 || Co Borrower - 2026 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     771                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 111.1 XXXX 111.1 No 48.4 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 6000117798 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     7.500% 7.500% XXXX Yes 18.000% XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.002 1.002   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     687                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   HI XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 0.1 XXXX 12.4 No 67.62 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 6000118007 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.875% 6.875% XXXX Yes 18.000% XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.622 1.551 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX     793                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 3.1 XXXX 3.1 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000124536 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0 XXXX 6.430% Manual Underwriting Manual Underwriting No 6.361%   6.250% 6.250% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX CA XXXX XXXX Monthly 39.22% 39.22% 39.22% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     2 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       Yes 24 No   NA 0 0 XXXX     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     785                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 35.0 XXXX 35.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000125982 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 8983.72 XXXX 6.430% Manual Underwriting Manual Underwriting No 7.721%   7.375% 7.375% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes XXXX WA XXXX XXXX Monthly 47.66% 47.61% 47.61% No               Not Employed           Asset Utilization (DTI) 0   NA   N/A 0     0 0     3 0 Yes   No Yes 60.0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0     Borrower - Asset Depletion, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - 2026, 2025 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     811                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA Patriot Act Disclosure WA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 88.0 XXXX 88.0 No 80.0 Yes No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128071 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 21425.0 XXXX 6.300% Manual Underwriting Manual Underwriting No 6.446%   6.375% 6.375% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX CA XXXX XXXX Annually 41.05% 41.05% 41.05% No               Employed           1YR Full Doc 2 YRS W2   1 Month   N/A 0     0 0     3 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0     Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2026, 2025, 2024 Borrower - 3 YRS Executed 4506T Verified - 2026, 2025, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     817                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA Patriot Act Disclosure CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 14.2 XXXX 14.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000125258 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No   $0.00 7.000% 7.000% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 0.751 0.75 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX     762                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   UT XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 0.0 XXXX 79.2 No 64.84 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000130150 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 5770.0 XXXX 6.300% Manual Underwriting Manual Underwriting No 6.894%   6.625% 6.625% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX LA XXXX XXXX Annually 21.09% 21.09% 21.09% No               Not Employed           Asset Utilization (DTI) 0   NA   N/A 0     0 0     0 0 NA   No No 84.0 No No Yes 0 0 No       0.00% 0.00%   Proceeds from Sale N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0     Borrower - Asset Depletion - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX     779                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 529.1 XXXX 529.1 No 60.71 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000124204 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No   $0.00 6.500% 6.500% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.005 1.005 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     707                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   WA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 0.0 XXXX 114.9 No 69.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128168 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 10000.0 XXXX 6.260% Manual Underwriting Manual Underwriting No 6.606%   6.500% 6.500% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX WA XXXX XXXX Monthly 31.87% 31.84% 31.84% No               Employed           2YR Full Doc 2 YRS W2   2+ Months   N/A 0     0 0     2 1 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 24 24 XXXX     0   No 0   N/A Borrower - Wage, Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2026, 2025, 2024 Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2026, 2025, 2024 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     740                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Non Permanent Resident Alien Non-Permanent Non-US Citizen N/A Standard Driver's License - Not for federal use   WA XXXX XXXX   XXXX H-1B Visa XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 21.6 XXXX 21.6 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128069 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.000% 6.000% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.255 1.255 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     728                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   AZ XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 90.0 XXXX 90.0 No 74.23 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128892 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1795.0 XXXX 6.300% Manual Underwriting Manual Underwriting No 7.216%   7.000% 7.000% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   48.24% 48.24% 48.24% No               Not Employed           Asset Utilization (DTI) 0   NA   N/A 0     0 0     3 0 NA   No No 60.0 No No Yes 0 0 No       0.00% 0.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0     Borrower - Asset Depletion - 3 YRS Executed 4506T Verified - 2026 Borrower - 3 YRS Executed 4506T Verified - 2026 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX     799                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 169.9 XXXX 169.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000131508 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 11737.5 XXXX 6.430% Manual Underwriting Manual Underwriting No 7.356%   7.250% 7.250% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   48.81% 48.81% 48.81% No               Not Employed           Asset Utilization (DTI) 1 YR 1099   NA   N/A 0     0 0     1 0 NA   No Yes 60.0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0   N/A Borrower - SSI and Disability, Asset Depletion - 1 YR 1099 Verified, 1 YR Executed 4506T Verified - 2025 Borrower - 1 YR Executed 4506T Verified - 2025 XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX     718                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 203.9 XXXX 203.9 No 50.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000126517 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 1770.0 XXXX 6.300% Manual Underwriting Manual Underwriting No 6.967%   6.875% 6.875% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX MO XXXX XXXX Annually 46.97% 47.15% 47.15% Yes Yes             Not Employed Employed         2YR Full Doc 0 2 YRS W2 NA 1 Month N/A 0 N/A 0 0 0 0 0 3 0 NA NA No No 0 No No N/A 0 0 No Yes 0 0 0.00%   100.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 XXXX NA 0 0 N/A No 0     Borrower - 3 YRS Executed 4506T Verified || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 3 YRS Executed 4506T Verified || Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025, 2026 XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX     772                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   MO XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   MO XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 41.1 XXXX 41.1 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000130627 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 13593.75 XXXX 6.410% Manual Underwriting Manual Underwriting No 6.292%   5.990% 5.990% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   13.40% 12.91% 12.91% Yes               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX     757                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   OR XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 318.4 XXXX 318.4 No 47.2 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128347 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 13139.0 XXXX 6.260% Manual Underwriting Manual Underwriting No 6.934%   6.875% 6.875% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   49.89% 49.89% 49.89% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 100.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX     767                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   UT XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 38.7 XXXX 38.7 No 72.75 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128254 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     7.250% 7.250% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.165 1.165 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX     721                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   IN XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 43.1 XXXX 43.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000129762 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 0.0 XXXX 6.260% Manual Underwriting Manual Underwriting No 6.780%   6.750% 6.750% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX ID XXXX XXXX Annually 16.87% 16.87% 16.87% Yes               Employed           2YR Full Doc 2 YRS W2   1 Month   N/A 0     0 0     0 0 NA   No No 0 No No Yes 0 0 No       100.00% 0.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   Yes 9 9 XXXX     0   No 0   N/A Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2026, 2025, 2024 Borrower - 2026, 2025, 2024 XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX     806                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   ID XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 14.9 XXXX 14.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128930 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 9960.0 XXXX 6.370% Manual Underwriting Manual Underwriting No 7.040%   7.000% 7.000% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX WA XXXX XXXX Annually 35.14% 49.27% 49.27% No               Retired           Asset Utilization (DTI) 0   NA   N/A 0     0 0     1 0 NA   No No 60.0 No No Yes 0 0 No       0.00% 0.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0   N/A Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 1 YR Executed 4506T Verified - 2025, 2026 Borrower - 1 YR Executed 4506T Verified - 2025, 2026 XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX     812                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Enhanced Driver's License (MI, MN, NY, VT, WA)   WA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 353.7 XXXX 353.7 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000129793 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.500% 6.500% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX DE XXXX XXXX Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0 XXXX   0 0   Yes 1.304 1.302 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX     762                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   PA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   PA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 17.0 XXXX 17.0 No 63.73 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000130518 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 13925.0 XXXX 6.410% Manual Underwriting Manual Underwriting No 6.793%   6.750% 6.750% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX CA XXXX XXXX Monthly 42.15% 42.15% 42.15% Yes               Self-Employed           2YR Full Doc 0   NA   N/A 0     0 2     1 0 NA   No No 0 No No Yes 0 0 No       0.00% 51.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0   N/A Borrower - SEPartnership, SEPartnership - 2 YRS Business Tax Returns Verified(N/A), Executed 4506T Verified - 2023, 2024 Borrower - 2 YRS Business Tax Returns Verified(N/A), Executed 4506T Verified - 2023, 2024 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     793                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 32.4 XXXX 32.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000131229 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.000% 6.000% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0 XXXX   0 0   Yes 1.353 1.49   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     673                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   CA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 20.9 XXXX 21.4 No 34.39 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000132570 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No   $0.00 6.625% 6.625% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX TX XXXX XXXX Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 0.752 0.752 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX     752                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 5.1 XXXX 5.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000126636 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 10362.0 XXXX 6.300% Manual Underwriting Manual Underwriting No 6.586%   6.375% 6.375% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   25.81% 25.81% 25.81% No No             Self-Employed Self-Employed         24 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 0 No Yes Yes 0 24 Yes Yes 0 24 100.00% 25.00% 25.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 XXXX NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2026, 2025 || Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 || Co Borrower - 2026, 2025 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     790                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 3.6 XXXX 3.6 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000128170 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 21424.99 XXXX 6.260% Manual Underwriting Manual Underwriting No 6.617%   6.500% 6.500% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX TX XXXX XXXX Annually 26.50% 26.20% 26.20% Yes Yes             Self-Employed Self-Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 12 Yes Yes 0 12 100.00% 9.00% 17.80%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 XXXX NA 0 0 N/A No 0   N/A Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX     790                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 81.6 XXXX 81.6 No 78.43 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000132246 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.990% 6.990% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes XXXX NJ XXXX XXXX Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.006 1.006 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX     732                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Other USA PATRIOT ACT PA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 9.9 XXXX 9.9 No 55.0 Yes No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000130543 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.750% 6.750% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.307 1.307 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX     803                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 110.2 XXXX 110.2 No 77.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000133438 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.990% 6.990% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.08 1.08 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX     773                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   PA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 36.3 XXXX 36.3 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000131903 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No   $0.00 7.625% 7.625% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX CA XXXX XXXX Monthly 0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0 XXXX   0 0   Yes 0.847 0.847 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     800                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 55.5 XXXX 55.5 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000133722 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A Client Affirms Non-QM Status 14645.0 XXXX 6.600% Manual Underwriting Manual Underwriting No 6.567%   6.125% 6.125% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   37.04% 37.04% 37.04% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     1 0 NA   No No 0 No Yes Yes 12 0 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 XXXX     0   No 0   N/A Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Personal Bank Statements Verified - 2026, 2025 Borrower - 1 YR Executed 4506T Verified - 2026, 2025 XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX     799                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Real ID Driver's License   CT XXXX XXXX   XXXX I-551 Permanent Resident Card  XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 7.6 XXXX 7.6 No 65.57 N/A No No No Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000135039 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No   $0.00 6.500% 6.500% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0 XXXX     0   Yes 1.359 1.359 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX     767                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   CA XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 20.0 XXXX 20.0 No 31.67 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000130748 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     6.875% 6.875% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX TX XXXX XXXX Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 0.95 0.949 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX     776                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   TX XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 195.4 XXXX 195.4 No 70.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000133719 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     7.375% 7.375% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX   XXXX XXXX   0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0 XXXX   0 0   Yes 1.096 1.096 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX     795                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   NJ XXXX XXXX   XXXX N/A XXXX XXXX US Citizen US Citizen N/A Real ID Driver's License   NJ XXXX XXXX   XXXX N/A XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 6.0 XXXX 6.0 No 59.46 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX XXXX XXXX
XXXX XXXX 4000132694 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A   XXXX   Manual Underwriting Manual Underwriting No     7.500% 7.500% XXXX No   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX NJ XXXX XXXX Annually 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0 XXXX     0   Yes 1.391 1.391 N/A Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX     784                 No XXXX                                     NA XXXX XXXX 0     XXXX 0   XXXX 0   XXXX 0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   NV XXXX XXXX   XXXX N/A XXXX XXXX               XXXX   XXXX   XXXX XXXX                                                     Fee Simple XXXX No No N/A XXXX 10.0 XXXX 10.0 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A XXXX XXXX XXXX XXXX