Exhibit 99.49
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? |
| REDACTED | 305182113 | C | B | C | B | A | A | A | A | Closed | REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- - Due Diligence Vendor-REDACTED Ready for Review-Document Uploaded. - Seller-REDACTED Open-Exception on pg 5 to allow first-time investor with Borrower #1 as non permanent resident and no primary housing history. B1 is on the primary residence title/mortgage as evidenced in file. Mortgage is paid by B2. B2 is on title to primary and mortgage history reports to B2 credit. Item needed: Exception form completed by lender showing exception, compensating factors, and approving underwriter. - Due Diligence Vendor-REDACTED |
Ready for Review-Document Uploaded. - Seller-REDACTED |
Son-in-law added to loan to meet housing payment history. Zero late payments in past 5 years. High DSCR ratio and 27 months reserves. | REDACTED exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Purchase | NA | Originator Pre-Close | Yes |