MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G

 

Exhibit 99.7 - Schedule 5

 

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   10155985 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 5960.0 02/06/2026 6.100% Manual Underwriting Manual Underwriting No 6.876%   6.500% 6.500% XXXX No   XXXX XXXX $1,185.00 $98.75 $0.00 $0.00 $0.00 $1,593.79 $4,186.46 N/A   XXXX $0.00     32.22% 32.22% 32.22% No               Self-Employed           1099 Verified 1 YR 1099   NA   N/A 0     0 0     1 0 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Other - 1 YR 1099 Verified, 1 YR Executed 4506T Verified - 2024 Borrower - 1 YR Executed 4506T Verified - 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       767                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A .00 0.0 28732.20 18.0 No 61.28 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10256050 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 20236.0 02/20/2026 6.100% Manual Underwriting Manual Underwriting No 7.066%   7.000% 7.000% XXXX No   XXXX XXXX $22,332.00 $1,861.00 $2,499.96 $208.33 $0.00 $28,872.12 $207,943.88 N/A XXXX XXXX $208.33 XXXX Annually 16.21% 16.21% 16.21% No No             Self-Employed Not Employed         12 Month Bank Statement 0 0 NA NA N/A 0 N/A 0 0 0 0 0 1 0 NA NA No No 0 No Yes Yes 0 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0     Borrower - SESoleProprietor, SEPartnership, SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - Executed 4506T Verified Borrower - Executed 4506T Verified - 2025, 2026 || Co Borrower - Executed 4506T Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     726                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 685362.20 23.7 685362.20 23.7 No 69.51 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX   10256073 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 11510.0 03/03/2026 5.980% Manual Underwriting Manual Underwriting No 6.891%   6.625% 6.625% XXXX No   XXXX XXXX $4,958.76 $413.23 $0.00 $0.00 $0.00 $4,507.15 $5,885.85 N/A   XXXX $0.00     47.78% 47.78% 47.78% No               Employed           1YR Full Doc 2 YRS W2   1 Month   N/A 0     0 0     1 0 NA   No No 0 No No Yes 0 0 No       0.00% 0.00%     N/A 0 N/A       NA 0 No   Yes 42 36 FNMA 1005     0   No 0     Borrower - Wage, Wage, Overtime, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - 2023, 2024, 2025 Borrower - 1 YR Executed 4506T Verified - 2023, 2024, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       669                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A .00 0.0 180014.77 39.9 No 65.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX XXXX 10298046 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.625% 7.625% XXXX Yes 35.000% XXXX XXXX $1,396.56 $116.38 $10,224.00 $852.00 $0.00 $8,138.69 $23,061.44 Yes XXXX XXXX $852.00 XXXX Monthly 49.27% 46.44% 46.44% Yes Yes 4 - Verified 2+ Mos   3 - Stated, Partially Verified   1 - Not Stated, Not Verified   Self-Employed Self-Employed Not Employed   .00   Asset Utilization (DTI) 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 12 Yes Yes 0 12 70.09% 100.00% 100.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 || Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 || Co Borrower 2 - Other - 2025, 2026 Borrower - 2025, 2026 || Co Borrower - 2025, 2026 || Co Borrower 2 - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   765 786 797 795       795   No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   XXXX XXXX XXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   XXXX XXXX XXXX     N/A                               Fee Simple   No No N/A 627327.28 92.4 627327.28 92.4 No 80.0 No No No Yes Member on Behalf of Entity Member on Behalf of Entity Member on Behalf of Entity N/A        
XXXX   10326159 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 7813.54 04/29/2026 6.260% Manual Underwriting Manual Underwriting No 6.633%   6.500% 6.750% XXXX No   XXXX XXXX $1,569.00 $130.75 $399.96 $33.33 $0.00 $4,484.61 $25,047.24 N/A XXXX XXXX $33.33   Annually 31.95% 31.95% 31.95% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 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 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       760                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 120528.00 26.9 120528.00 26.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10337919 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 2698.0 05/19/2026 6.420% Manual Underwriting Manual Underwriting No 7.622%   7.500% 7.500% XXXX No   XXXX XXXX $1,171.08 $97.59 $0.00 $0.00 $0.00 $4,699.46 $14,761.18 N/A   XXXX $0.00     49.66% 49.66% 49.66% No No             Self-Employed Not Employed         1YR 1099 1 YR 1099 0 1 Month NA N/A 0 N/A 0 0 0 0 0 1 0 NA NA No No 0 No No N/A 0 0 No N/A 0 0 0.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2025, 2026 || Co Borrower - Executed 4506T Verified Borrower - Executed 4506T Verified - 2025, 2026 || Co Borrower - Executed 4506T Verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     684                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 30996.43 6.6 61318.75 13.1 No 75.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX   10337905 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 18573.0 05/21/2026 6.420% Manual Underwriting Manual Underwriting No 7.325%   7.125% 7.125% XXXX No   XXXX XXXX $1,755.00 $146.25 $0.00 $0.00 $0.00 $4,019.69 $4,351.47 N/A   XXXX $0.00     101.23% 48.02% 48.02% No No             Self-Employed Employed         1YR 1099 1 YR 1099 1 YR W2 NA 1 Month N/A 0 N/A 0 0 0 0 0 1 0 NA NA No No 0 No No Yes 0 0 No Yes 0 0 0.00% 100.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Other, SESoleProprietor - 1 YR 1099 Verified, 1 YR Executed 4506T Verified - 2025 || Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - 2025, 2026 Borrower - 1 YR Executed 4506T Verified - 2025 || Co Borrower - 1 YR Executed 4506T Verified - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     703                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     Permanent Resident Alien Permanent Non-US Citizen N/A Standard Driver's License - Not for federal Use   XXXX XXXX XXXX     I-551 Permanent Resident Card   XXXX                                                     Fee Simple   No No N/A .00 0.0 89861.36 22.4 No 67.55 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX   10323463 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 13459.5 05/29/2026 6.600% Manual Underwriting Manual Underwriting No 7.646%   7.375% 7.375% XXXX No   XXXX XXXX $3,693.84 $307.82 $1,800.00 $150.00 $0.00 $7,024.59 $19,938.56 N/A XXXX XXXX $150.00 XXXX Monthly 27.95% 26.29% 26.29% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     1 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 N/A     0   No 0   N/A Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - Executed 4506T Verified - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       772                 No                                       NA     0       0     0     0   0 0 0 1 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Real ID Driver's License   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 146798.80 20.9 146798.80 20.9 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10315456 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 16632.5 05/18/2026 6.420% Manual Underwriting Manual Underwriting No 7.498%   7.125% 7.125% XXXX No   XXXX XXXX $4,206.24 $350.52 $6,516.00 $543.00 $0.00 $5,780.09 $9,282.02 N/A XXXX XXXX $543.00   Monthly 47.34% 47.22% 47.22% Yes               Not Employed           Asset Utilization (DTI) 0   NA   N/A 0     0 0     2 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 N/A     0   No 0     Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - 2026 Borrower - 2 YRS Executed 4506T Verified - 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       799                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 1215633.52 210.3 1215633.52 210.3 No 73.1 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356614 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 15919.0 05/20/2026 6.420% Manual Underwriting Manual Underwriting No 6.560%   6.500% 6.500% XXXX No   XXXX XXXX $30,470.04 $2,539.17 $12,000.00 $1,000.00 $0.00 $22,231.22 $251,494.18 N/A XXXX XXXX $1,000.00 XXXX Monthly 16.07% 16.07% 16.07% No               Not Employed           Asset Depletion – Debt Ratio Calculation 0   NA   N/A 0     0 0     1 0 NA   Yes No 60.0 No No N/A 0 0 No       0.00% 0.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified - 2026 Borrower - Executed 4506T Verified - 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       790                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 234124.90 10.5 234124.90 10.5 No 29.01 N/A No No No Borrower As Individual N/A N/A N/A XXXX      
XXXX XXXX 10356530 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 88325.0 05/18/2026 6.420% Manual Underwriting Manual Underwriting No 6.983%   6.875% 6.875% XXXX No   XXXX XXXX $26,194.20 $2,182.85 $6,258.96 $521.58 $0.00 $23,967.59 $83,884.24 N/A XXXX XXXX $521.58 XXXX Annually 25.02% 25.02% 25.02% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       758                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 77172.41 3.2 1851108.46 77.2 No 55.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356524 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 7366.26 05/08/2026 6.320% Manual Underwriting Manual Underwriting No 7.631%   7.500% 7.500% XXXX No   XXXX XXXX $4,502.76 $375.23 $780.00 $65.00 $0.00 $8,779.31 $36,653.72 N/A XXXX XXXX $65.00 XXXX Annually 26.38% 26.38% 26.38% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       767                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 70173.22 8.0 167130.84 19.0 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356569 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 1595.0 06/05/2026 6.520% Manual Underwriting Manual Underwriting No 7.017%   6.875% 6.875% XXXX No   XXXX XXXX $2,897.88 $241.49 $0.00 $0.00 $0.00 $4,053.99 $18,580.00 N/A   XXXX $0.00     21.56% 21.56% 21.56% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     1 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 N/A     0   No 0   N/A Borrower - SEPartnership, SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - Executed 4506T Verified - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       796                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 224834.75 55.5 224834.75 55.5 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356613 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX Non-QM: Lender documented all ATR UW factors Yes No No N/A N/A 2745.0 06/25/2026 6.490% Manual Underwriting Manual Underwriting No 6.722%   6.375% 6.375% XXXX No   XXXX XXXX $1,041.48 $86.79 $3,900.00 $325.00 $0.00 $1,637.19 $4,231.63 N/A XXXX XXXX $325.00 XXXX Monthly 27.90% 27.90% 27.90% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       798                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 205387.16 125.5 205387.16 125.5 No 33.82 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX XXXX 10356570 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 14175.0 05/01/2026 6.260% Manual Underwriting Manual Underwriting No 7.366%   7.250% 7.250% XXXX No   XXXX XXXX $4,078.32 $339.86 $0.00 $0.00 $0.00 $15,896.78 $73,912.00 N/A   XXXX $0.00     19.58% 20.95% 20.95% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       792                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A .00 0.0 875253.59 70.7 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356531 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 47115.9 05/20/2026 6.420% Manual Underwriting Manual Underwriting No 6.788%   6.625% 6.625% XXXX No   XXXX XXXX $3,267.96 $272.33 $5,040.00 $420.00 $0.00 $27,697.76 $1,333,292.24 Yes XXXX XXXX $420.00 XXXX Monthly 2.05% 2.04% 2.04% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       791                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Passport   XXXX United States of America (USA) XXXX XXXX XXXX N/A               XXXX                                                                   Fee Simple   No No N/A 1029948.91 37.2 1029948.91 37.2 No 63.24 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX XXXX 10356497 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 14640.6 05/13/2026 6.410% Manual Underwriting Manual Underwriting No 7.049%   7.000% 7.000% XXXX No   XXXX XXXX $8,495.04 $707.92 $0.00 $0.00 $0.00 $8,731.04 $31,617.39 N/A   XXXX $0.00     29.25% 29.25% 29.25% No No             Employed Employed         2YR Full Doc 2 YRS W2 2 YRS W2 1 Month 1 Month N/A 0 N/A 0 0 0 0 0 2 2 NA NA No No 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 N/A NA 0 0 N/A No 0   N/A Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - null Balance Sheet Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026 Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     786                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 329231.52 37.7 329231.52 37.7 No 59.15 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX XXXX 10356609 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 9867.94 05/07/2026 6.320% Manual Underwriting Manual Underwriting No 7.499%   7.375% 7.375% XXXX No   XXXX XXXX $3,051.00 $254.25 $0.00 $0.00 $0.00 $2,742.13 $26,184.79 N/A   XXXX $0.00     20.23% 23.29% 23.29% 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% 0.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       698                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A .00 0.0 57215.72 20.9 No 75.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356549 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 1790.0 05/29/2026 6.600% Manual Underwriting Manual Underwriting No 7.746%   7.500% 7.500% XXXX No   XXXX XXXX $1,017.00 $84.75 $5,280.00 $440.00 $0.00 $1,822.52 $4,317.81 Yes XXXX XXXX $440.00 XXXX Monthly 30.76% 30.76% 30.76% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     1 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 N/A     0   No 0   N/A Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2026 Borrower - Executed 4506T Verified - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       774                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 76641.37 42.1 76641.37 42.1 No 80.0 Yes No No No Borrower As Individual N/A N/A N/A        
XXXX XXXX 10356548 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 15711.0 05/12/2026 6.410% Manual Underwriting Manual Underwriting No 7.516%   7.500% 7.500% XXXX No   XXXX XXXX $3,489.96 $290.83 $1,209.96 $100.83 $0.00 $8,896.75 $31,636.27 N/A XXXX XXXX $100.83 XXXX Annually 31.76% 31.22% 31.22% No               Employed           2YR Full Doc 2 YRS W2   1 Month   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 28 28 Work Number     0   No 0   N/A Borrower - Wage, Bonus, Other - 2 YRS W2 Verified, 1 Month 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 XXXX XXXX XXXX XXXX XXXX       668                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 153421.87 17.2 153421.87 17.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10356591 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No     6.750% 6.750% XXXX No   XXXX XXXX $1,673.04 $139.42 $0.00 $0.00 $0.00 $5,536.32 $14,710.41 N/A   XXXX $0.00     33.78% 33.78% 33.78% Yes               Self-Employed           2YR Full Doc 2 YRS W2   1 Month   N/A 0     2 0     2 2 NA   No No 0 No No Yes 0 0 No       0.00% 100.00%   Stocks/Bonds N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified, 1040 Schedule E Verified - 2024, 2025, 2026 Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       783                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 2239405.32 404.5 2239405.32 404.5 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A        
XXXX XXXX 10356593 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 13295.0 05/27/2026 6.600% Manual Underwriting Manual Underwriting No 6.810%   6.750% 6.750% XXXX No   XXXX XXXX $465.00 $38.75 $10,980.00 $915.00 $0.00 $7,354.22 $98,928.71 Yes XXXX XXXX $915.00 XXXX Monthly 23.08% 23.04% 23.04% Yes Yes             Employed Employed         2YR Full Doc 2 YRS W2 0 1 Month NA N/A 0 N/A 0 0 0 0 0 3 2 NA NA No No 0 No No Yes 0 0 No N/A 0 0 0.00% 0.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 Yes 29 29 Work Number NA 0 0 N/A No 0   N/A Borrower - Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 || Co Borrower - N/A Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 || Co Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     769                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 1047310.59 142.4 1841403.14 250.4 No 61.54 Yes No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX   10356590 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 6810.0 05/13/2026 6.410% Manual Underwriting Manual Underwriting No 6.622%   6.500% 6.500% XXXX No   XXXX XXXX $1,250.88 $104.24 $0.00 $0.00 $0.00 $2,953.43 $9,326.57 N/A   XXXX $0.00     0.00% 24.05% 24.05% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 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 N/A     0   No 0   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025 Borrower - 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       783                 No                                       NA     0       0     0     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 XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 26393.27 8.9 26393.27 8.9 No 58.85 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10333407 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 12044.6 06/02/2026 6.520% Manual Underwriting Manual Underwriting No 7.400%   6.999% 6.999% XXXX No   XXXX XXXX $2,226.00 $185.50 $0.00 $0.00 $0.00 $2,870.55 $9,676.65 N/A   XXXX $0.00     22.88% 22.88% 22.88% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       705                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 26854.18 9.4 26854.18 9.4 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10399658 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 12935.0 07/20/2026 6.610% Manual Underwriting Manual Underwriting No 7.228%   6.875% 6.875% XXXX No   XXXX XXXX $858.96 $71.58 $0.00 $0.00 $0.00 $3,155.78 $5,455.44 N/A   XXXX $0.00     41.57% 41.57% 41.57% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       751                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Standard Driver's License - Not for federal use   XXXX United States of America (USA) XXXX     I-551 Permanent Resident Card    XXXX           XXXX                                                                   Fee Simple   No No N/A 18538.16 5.9 18538.16 5.9 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10365380 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 13876.15 06/25/2026 6.490% Manual Underwriting Manual Underwriting No 6.757%   6.625% 6.625% XXXX No   XXXX XXXX $2,652.00 $221.00 $0.00 $0.00 $0.00 $10,023.82 $23,235.83 N/A   XXXX $0.00     49.78% 49.76% 49.76% No No             Not Employed Not Employed         Asset Utilization (DTI) 0 0 NA NA N/A 0 N/A 0 0 0 0 0 0 0 NA NA No No 60.0 No No Yes 0 0 No N/A 0 0 0.00% 0.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2026 || Co Borrower Borrower - 2026 || Co Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     782                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 1713648.77 171.0 1713648.77 171.0 No 70.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A XXXX XXXX    
XXXX   10399635 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 18080.22 07/23/2026 6.610% Manual Underwriting Manual Underwriting No 8.916%   8.499% 8.499% XXXX No   XXXX XXXX $2,007.48 $167.29 $0.00 $0.00 $0.00 $6,055.90 $20,076.17 N/A   XXXX $0.00     45.74% 45.74% 45.74% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     3 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 N/A     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), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2025, 2026 Borrower - 3 YRS Executed 4506T Verified - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       643                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 60623.51 10.0 60623.51 10.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10399828 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 14376.09 07/28/2026 6.640% Manual Underwriting Manual Underwriting No 8.100%   7.750% 7.750% XXXX No   XXXX XXXX $1,713.96 $142.83 $0.00 $0.00 $0.00 $4,841.73 $13,118.84 N/A   XXXX $0.00     38.98% 38.98% 38.98% 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%   Proceeds from Sale N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       702                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 93442.07 19.3 93442.07 19.3 No 89.99 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10333371 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 29067.58 07/02/2026 6.520% Manual Underwriting Manual Underwriting No 8.051%   7.875% 7.875% XXXX No   XXXX XXXX $7,542.72 $628.56 $0.00 $0.00 $0.00 $5,438.71 $4,725.56 N/A   XXXX $0.00     53.51% 53.51% 53.51% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 Yes   No No 0 No Yes Yes 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, SSI and Disability - Award Letter Verified, Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       643                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A .00 0.0 139791.10 25.7 No 29.42 N/A No No No Borrower As Individual N/A N/A N/A XXXX      
XXXX   10399870 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 11311.8 07/22/2026 6.610% Manual Underwriting Manual Underwriting No 9.531%   8.999% 8.999% XXXX No   XXXX XXXX $2,055.96 $171.33 $0.00 $0.00 $0.00 $3,461.68 $8,842.81 N/A   XXXX $0.00     45.05% 44.94% 44.94% 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% 50.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       624                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 225094.39 65.0 225094.39 65.0 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10399637 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 11072.33 07/23/2026 6.610% Manual Underwriting Manual Underwriting No 7.702%   7.250% 7.250% XXXX No   XXXX XXXX $1,365.96 $113.83 $0.00 $0.00 $0.00 $2,461.99 $4,052.17 N/A   XXXX $0.00     41.10% 41.89% 41.89% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 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 N/A     0   No 0   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       775                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 18847.90 7.7 18847.90 7.7 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10399741 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A 0 08/11/2026 6.720% Manual Underwriting Manual Underwriting No 7.342%   6.999% 6.999% XXXX No   XXXX XXXX $2,240.88 $186.74 $0.00 $0.00 $0.00 $2,970.42 $13,547.32 N/A   XXXX $0.00     26.44% 26.44% 26.44% 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% 50.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       767                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 151847.05 51.1 151847.05 51.1 No 75.0 N/A No No Yes Borrower As Individual N/A N/A N/A        
XXXX   10399714 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 16789.8 07/31/2026 6.640% Manual Underwriting Manual Underwriting No 9.020%   8.625% 8.625% XXXX No   XXXX XXXX $1,565.16 $130.43 $339.96 $28.33 $0.00 $4,574.47 $15,193.45 N/A XXXX XXXX $28.33 XXXX Annually 37.06% 37.06% 37.06% No No             Self-Employed Employed         12 Month Bank Statement 0 2 YRS W2 NA 1 Month N/A 0 N/A 0 0 0 0 0 2 0 NA NA No No 0 No Yes Yes 0 12 No Yes 0 0 74.11% 50.00% 0.00%   N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A Yes 32 30 FNMA 1005 No 0   N/A Borrower - SEPartnership - Business Bank Statements Verified - 2025, 2026 || Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2025, 2026 Borrower - 2025, 2026 || Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     645                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Real ID Driver's License   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 123180.53 26.9 123180.53 26.9 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A        
XXXX   10399942 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 18145.0 07/29/2026 6.640% Manual Underwriting Manual Underwriting No 6.421%   6.375% 6.375% XXXX No   XXXX XXXX $8,414.40 $701.20 $0.00 $0.00 $0.00 $9,722.32 $79,719.80 N/A   XXXX $0.00     24.47% 24.47% 24.47% No No             Self-Employed Not Employed         12 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 12 No N/A 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2026 || Co Borrower Borrower - 2025, 2026 || Co Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     760                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No US Citizen US Citizen N/A Missing   XXXX United States of America (USA) XXXX     N/A     US Citizen US Citizen N/A Standard Driver's License - Not for federal Use   XXXX XXXX XXXX     N/A                                                         Fee Simple   No No N/A 67267.01 6.9 573666.69 59.0 No 44.96 N/A No No No Borrower As Individual Borrower As Individual N/A N/A   XXXX    
XXXX   10399877 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 13255.0 07/27/2026 6.640% Manual Underwriting Manual Underwriting No 7.153%   6.875% 6.875% XXXX No   XXXX XXXX $2,258.04 $188.17 $0.00 $0.00 $0.00 $4,889.45 $5,935.36 N/A   XXXX $0.00     48.46% 48.46% 48.46% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 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 N/A     0   No 0   N/A Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       756                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Permanent Resident Alien Permanent Non-US Citizen N/A Standard Driver's License - Not for federal use   XXXX United States of America (USA) XXXX     I-551 Permanent Resident Card    XXXX           XXXX                                                                   Fee Simple   No No N/A 301136.21 61.6 58233.34 11.9 No 70.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10431266 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 32838.44 08/14/2026 6.720% Manual Underwriting Manual Underwriting No 8.030%   7.999% 7.999% XXXX No   XXXX XXXX $1,665.00 $138.75 $0.00 $0.00 $0.00 $9,973.81 $49,503.14 N/A   XXXX $0.00     31.20% 31.20% 31.20% 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%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       725                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   Yes No N/A 37834.23 3.8 37834.23 3.8 No 90.0 N/A No No No Borrower As Individual N/A N/A N/A        
XXXX   10431432 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.125% 7.125% XXXX No   XXXX XXXX $988.32 $82.36 $3,600.00 $300.00 $0.00 $4,176.89 $97,289.02 Yes XXXX XXXX $300.00 XXXX Monthly 12.45% 12.45% 12.45% 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 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       741                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 1294124.47 309.8 1294124.47 309.8 No 80.0 Yes No No Yes Borrower As Individual N/A N/A N/A        
XXXX   10431443 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 7.999% 7.999% XXXX No   XXXX XXXX $1,432.44 $119.37 $0.00 $0.00 $0.00 $2,293.18 $17,606.24 N/A   XXXX $0.00     15.05% 15.05% 15.05% Yes Yes             Self-Employed Not Employed         12 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 12 No Yes 0 0 100.00% 100.00%     N/A 0 N/A N/A N/A 0 NA 0 No 0 NA 0 0 N/A NA 0 0 N/A No 0   N/A Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2026 || Co Borrower Borrower - 2025, 2026 || Co Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     723                 No                                       NA     0       0     0     0   0 0 0 0 0 0 0 0 0 0 0 Unknown No             No Non Permanent Resident Alien Undocumented Non-US Citizen Yes - ITIN Letter/Certificate Consular Card   XXXX XXXX XXXX     Passport   XXXX Non Permanent Resident Alien Undocumented Non-US Citizen Yes - ITIN Letter/Certificate Consular Card   XXXX XXXX XXXX     Passport   XXXX                                                     Fee Simple   No No N/A 20366.51 8.9 20366.51 8.9 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A        
XXXX   10399840 XXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting Manual Underwriting No   $0.00 6.999% 6.999% XXXX No   XXXX XXXX $1,411.08 $117.59 $11,136.00 $928.00 $0.00 $4,917.94 $18,579.33 Yes XXXX XXXX $928.00   Monthly 28.71% 28.71% 28.71% 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 N/A     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), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XXXX XXXX XXXX XXXX XXXX       802                 No                                       NA     0       0     0     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   XXXX United States of America (USA) XXXX     N/A               XXXX                                                                   Fee Simple   No No N/A 39871.45 8.1 39871.45 8.1 No 75.0 Yes No No Yes Borrower As Individual N/A N/A N/A