Exhibit 99.9
| Redaction ID | 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? | Unique Finding ID |
| 1283993 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-07-31 14:16 | 2026-08-14 11:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists |
Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX - Seller-08/12/2026 Counter-Received updated Fraud report add builder however missing sales agent for builder. Please add XXXX and XXXX then rerun LDP/EPLS/OFAC - Due Diligence Vendor-08/11/2026 Ready for Review-Document Uploaded. Please see updated XXXX - Seller-08/07/2026 Counter-Add Seller from Sales Contract to the Fraud Report and rerun thru LDP/EPLS/OFAC - Due Diligence Vendor-08/07/2026 Ready for Review-Could you please provide the exclusionary list seller that should be added? - Seller-08/05/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller not included on the OFAC checklist. - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. Please see uploaded updated XXXX - Seller-08/12/2026 Ready for Review-Document Uploaded. Please see updated XXXX - Seller-08/07/2026 Ready for Review-Could you please provide the exclusionary list seller that should be added? - Seller-08/05/2026 |
Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/14/2026 |
Guideline LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 69.15%. Required is 75 Borrower has 69.15 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.068%. Required is 0.75 Borrower has 1.068 Guideline Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 766. Required is 660 Borrower has 766 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10567153 | |||
| 1283995 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-07-31 14:13 | 2026-08-14 11:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Property meets FNMA guides for properties with illegal zoning. Property was appraised at best and highest use. Appraiser indicates improvements are typical and 2 comps were provided with the same illegal use. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please see page 305 in the loan package for zoning. Appraiser mentioned that subject property had been used as an efficiency which not allowed by zoning, however the highest and the best use would be its original use of an sfr with the XXX as appraised. - Seller-08/03/2026 Open-Property Issues are identified for the property Per appraiser zoning is illegal: PER A PHONE CONVERSATION WITH THE CITY PLANNING DEPARTMENT, THE CURRENT ZONING DOES NOT ALLOW AN EFFICIENCY UNIT, THEREFORE, THE APPRAISER INCLUDED THE ENTIRE AREA AS PART OF THE SUBJECT'S GLA WHICH IS MATCHING THE PUBLIC RECORDS, SUBJECT TO HAVE AN ACCESS BETWEEN THE EFFICIENCY AREA AND THE MAIN DWELLING IS RESTORED BY REOPENING THE SEALED DOORWAY AND THAT THE KITCHEN WITHIN THE EFFICIENCY AREA TO BE REMOVED. - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. Please see page 305 in the loan package for zoning. Appraiser mentioned that subject property had been used as an efficiency which not allowed by zoning, however the highest and the best use would be its original use of an sfr with the XXX as appraised. - Seller-08/03/2026 |
Resolved-Property meets FNMA guides for properties with illegal zoning. Property was appraised at best and highest use. Appraiser indicates improvements are typical and 2 comps were provided with the same illegal use. - Due Diligence Vendor-08/14/2026 |
Guideline Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.282 Required is 0.85 Borrower has 1.282 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10567097 | |||
| 1283995 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-07-31 14:24 | 2026-08-07 08:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud Report adding seller name, All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/07/2026 Ready for Review-Document Uploaded. Please see uploaded revised XXXX. - Seller-08/05/2026 Counter-Per Sales Contract seller is XXXX, I cannot locate this name on the updated Fraud Report. Please add and rerun thru LDP/EPLS/OFAC - Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-08/03/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Seller and provide updated fraud report search with the seller included. - Due Diligence Vendor-07/31/2026 |
Ready for Review-Document Uploaded. Please see uploaded revised XXXX. - Seller-08/05/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-08/03/2026 |
Resolved-Received updated Fraud Report adding seller name, All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/07/2026 |
Guideline Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.282 Required is 0.85 Borrower has 1.282 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10567410 | |||
| 1284002 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0196 | 2026-08-03 09:02 | 2026-08-13 15:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Seller payoff and proof of wire provided. - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Counter-Seller Settlement Statement review required for securitization. Title to provide clarification of additional payoff noted. as it is not reflecting on preliminary title report. - Due Diligence Vendor-08/12/2026 Ready for Review-The request to provide documentation for the seller's debt payoff is not applicable to the purchase transaction. Any existing debt owed by the seller is the seller's obligation and is not a condition that impacts the borrower's qualification, the subject property's value, or the insurability of the loan. - Seller-08/11/2026 Counter-Please provide for securitization. If paying off a mortgage on subject property it should be reflected on title - Due Diligence Vendor-08/11/2026 Ready for Review-Seller's debt is not our concern to why it is not reflecting title. This does not affect the loan at all. - Seller-08/10/2026 Open-Payoff(s) on the CD/HUD are not reported on Title Report. The combined Alta settlement statement reflects seller paid off $516,891.26 to XXXX however, the title does not show any open liens. - Due Diligence Vendor-08/03/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 Ready for Review-The request to provide documentation for the seller's debt payoff is not applicable to the purchase transaction. Any existing debt owed by the seller is the seller's obligation and is not a condition that impacts the borrower's qualification, the subject property's value, or the insurability of the loan. - Seller-08/11/2026 Ready for Review-Seller's debt is not our concern to why it is not reflecting title. This does not affect the loan at all. - Seller-08/10/2026 |
Resolved-Seller payoff and proof of wire provided. - Due Diligence Vendor-08/13/2026 |
Guideline LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 60%. Required is 70 Borrower has 60 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.313%. Required is 0.75 Borrower has 1.313 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10591045 | |||
| 1290919 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1294520 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1294521 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-08-10 09:41 | 2026-08-21 09:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Lender provided revised appraisal confirming the missing ceiling tiles and peeling wallpaper are cosmetic and there was no evidence of water damage at the time of inspection. No safety concerns. The overall rating of the Subject property (Average) was used on the grid and adjusted accordingly to arrive at the Appraiser's Opinion of Market Value. A cost to cure is not necessary in an Appraisal for cosmetic issues. - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see uploaded revised appraisal report. - Seller-08/11/2026 Open-Property Issues are identified for the property The appraiser completed the appraisal "as is" with no deferred maintenance. A review of photos reflects the XXXX Living room and Kitchen both have missing ceiling tiles and possible water damage to the Kitchen drop ceiling. The bedroom (# not listed) has several areas where the wall paper has peeled back and the photos show possible mold and water damage. The bathroom also shows possible water damage to the walls with what appears to be black mold on the back of the tub (unable to confirm by photo's if discoloration is actually mold). Please have appraiser review items listed and provide commentary and assign a deferred maintenance amount to cure. If there is mold it poses a possible health on safety risk and must be remediated. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Please see uploaded revised appraisal report. - Seller-08/11/2026 |
Resolved-Lender provided revised appraisal confirming the missing ceiling tiles and peeling wallpaper are cosmetic and there was no evidence of water damage at the time of inspection. No safety concerns. The overall rating of the Subject property (Average) was used on the grid and adjusted accordingly to arrive at the Appraiser's Opinion of Market Value. A cost to cure is not necessary in an Appraisal for cosmetic issues. - Due Diligence Vendor-08/21/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.464 Required is 0.75 Borrower has 1.464 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10707742 | |||
| 1294521 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1491 | 2026-08-10 10:34 | 2026-08-12 09:19 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Gift amount listed can either be the actual gift amount or the maximum dollar amount of gift. Gift letter is actually higher than gift given - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Pls see uploaded annie guideline : we are okay specific the actual or the MAXIMUM dollar amount of the gift is allowed. So we are good since our gift letter is higher than actual wire amount. - Seller-08/10/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Gift letter in file reflects a gift amount of $70,000. Cashiers Check in file reflects an amount of $59,227.51. Please provide fully executed gift letter with the amount of the gift as $59,227.51. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Pls see uploaded annie guideline : we are okay specific the actual or the MAXIMUM dollar amount of the gift is allowed. So we are good since our gift letter is higher than actual wire amount. - Seller-08/10/2026 |
Resolved-Gift amount listed can either be the actual gift amount or the maximum dollar amount of gift. Gift letter is actually higher than gift given - Due Diligence Vendor-08/12/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.464 Required is 0.75 Borrower has 1.464 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10708903 | |||
| 1294522 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1294523 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1294525 | XXXX | B | A | B | A | A | A | A | A | Closed | FCRE0212 | 2026-08-10 09:36 | 2026-08-12 10:21 | Resolved | 1 - Information | B | A | Credit | Eligibility | Lead Based Paint Disclosure missing | Resolved-Received fully executed lead paint disclosure - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please see attached copy of the lead paint disclosure. Thank you. - Seller-08/11/2026 Open-Property was built in XXXX, lead-paint disclosure is missing. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Please see attached copy of the lead paint disclosure. Thank you. - Seller-08/11/2026 |
Resolved-Received fully executed lead paint disclosure - Due Diligence Vendor-08/12/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 729. Required is 660 Borrower has 729 Guideline: LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 53.88% Required is 75 Borrower has 53.88 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.125%. Required is 0.75 Borrower has 1.125 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10707637 | |||
| 1294526 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1294527 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1294528 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1294529 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1294530 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-10 08:30 | 2026-08-12 10:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received July mortgage statement that reflects June payment was made, Housing History Meets Guideline Requirements - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please see page 4-5 - mortgage statement June statement - Seller-08/10/2026 Open-Housing History Does Not Meet Guideline Requirements Please provide evidence that the 06/2025 mortgage payment for the borrower's primary residence was paid as agreed. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Please see page 4-5 - mortgage statement June statement - Seller-08/10/2026 |
Resolved-Received July mortgage statement that reflects June payment was made, Housing History Meets Guideline Requirements - Due Diligence Vendor-08/12/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.009 Required is 0.85 Borrower has 1.009 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10706580 | |||
| 1294530 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2026-08-10 08:43 | 2026-08-12 10:06 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Section C of Title has been removed. Property Title Issue Resolved - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please see uploaded Final Title Policy. It shows that section C has been removed. - Seller-08/11/2026 Open-Property Title Issue Provide proof that judgements reporting in Section C #9 & #10 have been satisfied release or removed from title by the title company. #9 An abstract of judgment for the amount shown below and any other amounts due: XXXX - Debtor: XXXX - Creditor: XXXX - Date entered:XXXX - County: XXXX - XXXX at Law No. 2 - Case No.:XXXX Recording Date: XXXX - Recording No: under Clerk's File No. XXXX, Real Property Records, XXXX & #10 An abstract of judgment for the amount shown below and any other amounts due: Amount: XXXX Debtor: XXXX and XXXX - Creditor: XXXX - Date entered: XXXX County: XXXX- Court: XXXX of the XXXX - Case No.: XXXX- Recording Date: XXXX - Recording No: under Clerk's File No. XXXX, Real Property Records, XXXX. - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Please see uploaded Final Title Policy. It shows that section C has been removed. - Seller-08/11/2026 |
Resolved-Section C of Title has been removed. Property Title Issue Resolved - Due Diligence Vendor-08/12/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.009 Required is 0.85 Borrower has 1.009 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10706771 | |||
| 1297154 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1297155 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1297156 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2026-08-11 14:09 | 2026-08-25 12:24 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Lender provided the Final Title policy confirming the judgment against the seller was removed. - Due Diligence Vendor-08/25/2026 Counter-Item was not paid at close, please provide the signed not-one-and-the-same affidavit or confirmation from Title this item as been removed. - Due Diligence Vendor-08/13/2026 Ready for Review-Please note that since this is a seller item, title must take care of this. - Seller-08/12/2026 Open-Property Title Issue Schedule B, Part II #13 shows judgment against the seller. XXXX Gross Income Tax Warrant No. XXXX Against: XXXX - Filed: XXXX - Judgment Docket: XXXX Page XXXX - Note: The above referenced lien must be paid off at the closing of this transaction unless a not-one-and-the-same affidavit is executed at the closing. Please provide copy of a fully executed not-one-and-the-same affidavit or evidence this item has been satified or removed from tile. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Please note that since this is a seller item, title must take care of this. - Seller-08/12/2026 |
Resolved-Lender provided the Final Title policy confirming the judgment against the seller was removed. - Due Diligence Vendor-08/25/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 804 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 66.67 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.042 Required is 0.85 Borrower has 1.042 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10745594 | |||
| 1297157 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-11 15:34 | 2026-08-20 11:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please see uploaded revised XXXX - Seller-08/18/2026 Counter-Received Drive report. Seller name on contract is "XXXX", but Fraud report provided reflect name of "XXXX". Finding remains. - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX - Seller-08/13/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller not included in OFAC checklist. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. Please see uploaded revised XXXX - Seller-08/18/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX - Seller-08/13/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 |
Guideline: LTV is less than guideline maximum - Maximum LTV is 80%; Borrower LTV is 50.82% Required is 80 Borrower has 50.82 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 620; Borrower has 781. Required is 620 Borrower has 781 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.258%. Required is 0.75 Borrower has 1.258 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10747305 | |||
| 1297158 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-11 13:39 | 2026-08-14 10:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. - Seller-08/12/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Second seller/vested owner and provide updated Fraud Report search. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/12/2026 |
Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/14/2026 |
Months Reserves exceed minimum required - Minm 3, borrower has 16.25 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10744906 | |||
| 1297158 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0151 | 2026-08-11 13:17 | 2026-08-14 10:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received evidence of paid taxes. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. please refer to the submitted documents reflection no tax dues. - Seller-08/12/2026 Open-The subject property is not current on taxes. Per tax bill in file, second half of property taxes are due & are not shown as being paid on PCCD or Seller CD. Please provide evidence that past due taxes for second half of 2025 have been paid. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. please refer to the submitted documents reflection no tax dues. - Seller-08/12/2026 |
Resolved-Received evidence of paid taxes. - Due Diligence Vendor-08/14/2026 |
Months Reserves exceed minimum required - Minm 3, borrower has 16.25 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10744394 | |||
| 1297159 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-11 12:42 | 2026-08-13 11:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties checked against Exclusionary Lists - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. - Seller-08/11/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Non borrowing signer and provide updated fraud report search. - Due Diligence Vendor-08/11/2026 |
Ready for Review-Document Uploaded. - Seller-08/11/2026 |
Resolved-Received updated fraud report reflecting all interested parties checked against Exclusionary Lists - Due Diligence Vendor-08/13/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10743447 | |||
| 1298820 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-08-12 10:38 | 2026-08-14 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, FNMA does not require the water to be on. Water supply is public. - Due Diligence Vendor-08/14/2026 Ready for Review-The subject property is a new construction purchase. The water service being off at the time of the appraisal is typical for a vacant, newly completed home prior to occupancy and does not reflect a property issue. - Seller-08/12/2026 Open-Property Issues are identified for the property Per appraiser, electricity was on at time of inspection, but water was not. - Due Diligence Vendor-08/12/2026 |
Ready for Review-The subject property is a new construction purchase. The water service being off at the time of the appraisal is typical for a vacant, newly completed home prior to occupancy and does not reflect a property issue. - Seller-08/12/2026 |
Resolved-Upon further review, FNMA does not require the water to be on. Water supply is public. - Due Diligence Vendor-08/14/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 65 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10764994 | ||||
| 1298820 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-12 10:49 | 2026-08-14 11:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note for the primary residence, borrower is not responsible. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please see the uploaded Note for Primary Residence. Per page 3, borrower is not obligated to the mortgage. - Seller-08/12/2026 Open-Housing History Does Not Meet Guideline Requirements Note in file for primary residence, but is not reflecting on credit report. Provide VOM/12 month mortgage payment history for Primary residence or proof that property is owned free and clear. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Please see the uploaded Note for Primary Residence. Per page 3, borrower is not obligated to the mortgage. - Seller-08/12/2026 |
Resolved-Received Note for the primary residence, borrower is not responsible. - Due Diligence Vendor-08/14/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 796 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 65 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10765277 | |||
| 1298821 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-12 09:55 | 2026-08-13 11:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/13/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/12/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in fraud report search. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/12/2026 |
Resolved-Received Fraud Report with/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/13/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.126 Required is 0.75 Borrower has 1.126 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 50 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10763860 | |||
| 1298822 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-12 12:28 | 2026-08-14 10:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. - Seller-08/12/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC & Seller and provide updated fraud report search with both included. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/12/2026 |
Resolved-Received Fraud Report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/14/2026 |
Guideline: LTV is less than guideline maximum - Required is 65 Borrower has 54.84 DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.033 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10768192 | |||
| 1298822 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1481 | 2026-08-12 16:51 | 2026-08-14 10:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received 60 days verification - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. - Seller-08/12/2026 Open-Asset Record 3 Does Not Meet G/L Requirements 60 day asset seasoning required. 60-day asset seasoning requirement can be satisfied based on the time the assets were held in the foreign account prior to transferring to a US Institutional Bank. XXXX appears to be a new account opened in 07/2026 for the incoming wire. Please provide bank statements from foreign bank where borrower's funds were housed prior to the wire transfer on XXXX. Statement must show funds in account 60 days prior to transfer. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. - Seller-08/12/2026 |
Resolved-Received 60 days verification - Due Diligence Vendor-08/14/2026 |
Guideline: LTV is less than guideline maximum - Required is 65 Borrower has 54.84 DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.033 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10775267 | |||
| 1298822 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1491 | 2026-08-12 17:07 | 2026-08-14 10:32 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, the Gift has a Maximum of $300k. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Please refer to agency guideline that states the gift letter must specify the actual or the MAXIMUM DOLLAR AMOUNT of the gift. - Seller-08/12/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Please provide corrected gift letter for gift funds wired in the amount of $295,875.92. Current gift letter provided is for $300,000. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Please refer to agency guideline that states the gift letter must specify the actual or the MAXIMUM DOLLAR AMOUNT of the gift. - Seller-08/12/2026 |
Resolved-Upon further review, the Gift has a Maximum of $300k. - Due Diligence Vendor-08/14/2026 |
Guideline: LTV is less than guideline maximum - Required is 65 Borrower has 54.84 DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.033 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10775573 | |||
| 1298823 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1298824 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8701 | 2026-08-12 13:23 | 2026-08-14 10:48 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Certification of Trust. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/12/2026 Open-The Business Entity Formation Document is Missing. Trust documentation is missing. Please provide a copy of the XXXX, dated XXXX. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/12/2026 |
Resolved-Received Certification of Trust. - Due Diligence Vendor-08/14/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.054 Required is 0.75 Borrower has 1.054 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 55.56 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 782 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10769675 | |||
| 1298824 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-08-12 13:43 | 2026-08-14 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-08/14/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/12/2026 Open-Third Party Fraud Report Partially Provided Please provide the complete XXXX Report. Only the first 4 page of the Drive Report provided. Upon receipt additional findings may apply. - Due Diligence Vendor-08/12/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/12/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-08/14/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.054 Required is 0.75 Borrower has 1.054 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 55.56 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 782 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10770106 | |||
| 1302957 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1302958 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-08-13 10:37 | 2026-08-17 10:13 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing from the DOT. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-08/17/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772 Months Reserves exceed minimum required - Minm 3, Borrower has 109.08 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10788261 | |||
| 1302960 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-08-13 14:36 | 2026-08-20 11:07 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please see uploaded document, DOT with legal description. Thank you. - Seller-08/18/2026 Counter-Received Legal Description only. Please provide confirmation legal recorded with Deed of Trust. - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing from DOT - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. Please see uploaded document, DOT with legal description. Thank you. - Seller-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-08/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.072 Required is 0.85 Borrower has 1.072 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 681 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10794609 | |||
| 1302960 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-13 15:00 | 2026-08-17 10:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Report - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-08/17/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.072 Required is 0.85 Borrower has 1.072 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 681 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10795169 | |||
| 1302961 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-13 10:13 | 2026-08-17 10:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Report - Due Diligence Vendor-08/17/2026 Ready for Review-Document Uploaded. - Seller-08/13/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/13/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-08/17/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.329 Required is 0.85 Borrower has 1.329 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10787768 | |||
| 1302963 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1302964 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1302965 | XXXX | C | B | C | A | A | A | C | B | Closed | FCRE1491 | 2026-08-13 20:56 | 2026-08-20 10:23 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Final CD which is sufficient documentation to support. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 Counter-Received CD and LOX. Missing proof of wire or deposit into borrowers bank account. - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/14/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Please provide evidence of proceeds from sale of property on XXXX (XXXX) were received by borrower via wire transfer or deposited into borrowers bank account. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/14/2026 |
Resolved-Received Final CD which is sufficient documentation to support. - Due Diligence Vendor-08/20/2026 |
On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history of 0x30x21 exceeds guideline requirements of 1x30x12 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10807913 | |||
| 1302965 | XXXX | C | B | C | A | A | A | C | B | Closed | FPRO0021 | 2026-08-13 15:53 | 2026-08-18 11:51 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-After further review- the appraisal was completed on XXXX which is after the incident period end date. Appraiser confirmed the recent disaster had no affect on the subject property or surrounding market or neighborhood. - Due Diligence Vendor-08/18/2026 Counter-Received Lender rebuttal. A Post Disaster Inspection or 1004D including pictures is required. Appraiser did not indicate date of reinspection nor include pictures. - Due Diligence Vendor-08/17/2026 Ready for Review-Please refer to page 9 of the appraisal report or page 167 of the loan package. Thank you. - Seller-08/14/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. FEMA declared disaster - XXXX. Please provide PDI w/photo(s) completed on or after XXXX and reflecting no damage to the subject property. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Please refer to page 9 of the appraisal report or page 167 of the loan package. Thank you. - Seller-08/14/2026 |
Resolved-After further review- the appraisal was completed on XXXX which is after the incident period end date. Appraiser confirmed the recent disaster had no affect on the subject property or surrounding market or neighborhood. - Due Diligence Vendor-08/18/2026 |
On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history of 0x30x21 exceeds guideline requirements of 1x30x12 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10796731 | ||||
| 1302965 | XXXX | C | B | C | A | A | A | C | B | Closed | FCRE1206 | 2026-08-13 15:41 | 2026-08-18 10:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud report. - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/14/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Sellers and provide updated fraud report search. - Due Diligence Vendor-08/13/2026 |
Ready for Review-Document Uploaded. - Seller-08/14/2026 |
Resolved-Received updated Fraud report. - Due Diligence Vendor-08/18/2026 |
On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history of 0x30x21 exceeds guideline requirements of 1x30x12 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10796155 | |||
| 1302965 | XXXX | C | B | C | A | A | A | C | B | Closed | FPRO0022 | 2026-08-13 15:53 | 2026-08-13 21:09 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/14/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. FEMA declared disaster - XXXX - Due Diligence Vendor-08/13/2026 |
Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/14/2026 |
On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history of 0x30x21 exceeds guideline requirements of 1x30x12 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 10796732 | |||||
| 1305235 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-14 09:47 | 2026-08-20 11:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/18/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in fraud report search. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/18/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.207 Required is 0.75 Borrower has 1.207 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 54.79 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10816173 | |||
| 1305235 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1455 | 2026-08-14 09:58 | 2026-08-20 11:01 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received source/2 months of the assets. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please note the account : XXXX was sourced with foreign assets. - Seller-08/18/2026 Open-Asset 1 Less Than 2 Months Verified XXXX has only 1 month in borrower file, XXXX - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Please note the account : XXXX was sourced with foreign assets. - Seller-08/18/2026 |
Resolved-Received source/2 months of the assets. - Due Diligence Vendor-08/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.207 Required is 0.75 Borrower has 1.207 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 54.79 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10816405 | |||
| 1305236 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-14 13:10 | 2026-08-24 10:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud report. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded. Please see p.14 - Seller-08/20/2026 Counter-Received Fraud/Drive report last submission date XXXX submission 4 778 score, reviewed page 14 as indicated by lender, still missing Seller and Seller Company XXXX and XXXX. Please add to participants, rescore and resolve items and resubmit for review. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please see p.14 of the XXXX. - Seller-08/18/2026 Counter-Received Duplicate Fraud report. Missing Seller and Seller Company XXXX and XXXX. - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. Uploaded updated XXXX - Seller-08/14/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Seller and provide updated fraud report search. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Uploaded. Please see p.14 - Seller-08/20/2026 Ready for Review-Document Uploaded. Please see p.14 of the XXXX. - Seller-08/18/2026 Ready for Review-Document Uploaded. Uploaded updatedXXXX - Seller-08/14/2026 |
Resolved-Received updated Fraud report. - Due Diligence Vendor-08/24/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 766 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.361 Required is 0.85 Borrower has 1.361 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10821595 | |||
| 1305237 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0082 | 2026-08-14 14:45 | 2026-08-18 10:19 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Title, Sch A #3d reflects currently vested in LLC. Vested Owner Signature Requirement met. - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to page 6 of the submitted Title Report under Schedule A Item #3, as it already reflects that Record title to the land on the Effective Date appears to be vested in: XXXX - Seller-08/15/2026 Open-Vested Owner Signature Requirement Not met. Title shows proposed borrower as individual & not borrower's LLC. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Rebuttal/Comment: Please refer to page 6 of the submitted Title Report under Schedule A Item #3, as it already reflects that Record title to the land on the Effective Date appears to be vested in: XXXX - Seller-08/15/2026 |
Resolved-Received Title, Sch A #3d reflects currently vested in LLC. Vested Owner Signature Requirement met. - Due Diligence Vendor-08/18/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810 DSCR % greater than 1.20 - DSCR greater than 1.20, subject DSCR is 2.011 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10823671 | |||
| 1305238 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1455 | 2026-08-14 12:34 | 2026-08-20 07:55 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 1 Less Than 2 Months Verified | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow 1-months bank statement. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/19/2026 Counter-Finding remains. Missing statement dated prior to 6/25 for XXXX - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. Rebuttal/Comment: $7,700 amount on account XXXX was deposited from XXXX which also which meets the 2months seasoning. Per transaction history of XXXX. transaction history for XXXX, the withdrawn funds were subsequently transferred to XXXX. - Seller-08/14/2026 Open-Asset 1 Less Than 2 Months Verified Please provide additional months bank statement XXXX for month prior to XXXX - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/19/2026 Ready for Review-Document Uploaded. Rebuttal/Comment: $7,700 amount on account XXXX was deposited from XXXX which also which meets the 2months seasoning. Per transaction history of XXXX. transaction history for XXXX, the withdrawn funds were subsequently transferred to XXXX. - Seller-08/14/2026 |
Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow 1-months bank statement. - Due Diligence Vendor-08/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.308 Required is 0.85 Borrower has 1.308 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 787 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70 |
787 fico 70% LTV 1.308 DSCR |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 10820823 | ||
| 1305238 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1459 | 2026-08-14 12:34 | 2026-08-18 10:33 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 5 Less Than 2 Months Verified | Resolved-Received May/June statement for XXXX - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/14/2026 Open-Asset 5 Less Than 2 Months Verified Please provide additional months bank statement XXXX for month prior to XXXX - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/14/2026 |
Resolved-Received May/June statement for XXXX - Due Diligence Vendor-08/18/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.308 Required is 0.85 Borrower has 1.308 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 787 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10820825 | |||
| 1305239 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2026-08-14 12:02 | 2026-08-28 10:50 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Subject property is a Dry funding state and loan closed XXXX when quit was filed for transfer from borrowers Trust to their LLC. - Due Diligence Vendor-08/28/2026 Ready for Review-Please see Item #9 of Title Report. Record Deed from XXXX - Seller-08/25/2026 Counter-Received duplicate title and email, but attachments are not provided. If the attachments are the documents previously provided, the Finding Stands. A Quit claim deed dated XXX was performed removing the TRUST and vesting the home in an LLC. (not recorded until XXXX). This loan closed on XXXX, under the Trust. Title should have reflected as vested in the LLC, otherwise the Mtg should have been executed to match the title vesting via TRUST. In this case, TRUST documents would have needed to be provided. Although quit claim is now in the LLC name, this should have been correct at time of closing, Provide correct title showing Title as vesting in LLC. or an Exception from the Originator - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Please see Item #9 of Title Report. Record Deed from XXXX. Attached also is the email confirmation from Title confirming that The Final Title Policy will be issued in the name of the LLC. - Seller-08/20/2026 Open-Property Title Issue Borrower purchased home on XXXX under the TRUST. A Quit claim deed dated XXX was performed removing the TRUST and vesting the home in an LLC. (not recorded until XXXX). This loan closed on XXXX, under the Trust. Title should have reflected as vested in the LLC, otherwise the Mtg should have been executed to match the title vesting via TRUST. In this case, TRUST documents would have needed to be provided. Although quit claim is now in the LLC name, this should have been correct at time of closing, Provide correct title showing Title as vesting in LLC. or an Exception from the Originator - Due Diligence Vendor-08/14/2026 |
Ready for Review-Please see Item #9 of Title Report. Record Deed from XXXX - Seller-08/25/2026 Ready for Review-Document Uploaded. Please see Item #9 of Title Report. Record Deed fromXXXX. Attached also is the email confirmation from Title confirming that The Final Title Policy will be issued in the name of the LLC. - Seller-08/20/2026 |
Resolved-Subject property is a Dry funding state and loan closed XXXX when quit was filed for transfer from borrowers Trust to their LLC. - Due Diligence Vendor-08/28/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.429 Required is 0.75 Borrower has 1.429 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 805 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 56.82 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Delayed Financing | N/A | N/A | 10819957 | |||
| 1305239 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-14 11:07 | 2026-08-20 11:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please be advised that Borrower's LLC is XXXX. - Seller-08/18/2026 Counter-Received duplicate Fraud report. Missing Borrowers XXXX. - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/14/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC and provided updated fraud report search. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Please be advised that Borrower's LLC is XXXX. - Seller-08/18/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/14/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.429 Required is 0.75 Borrower has 1.429 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 805 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 56.82 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Delayed Financing | N/A | N/A | 10817900 | |||
| 1305239 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8702 | 2026-08-14 10:36 | 2026-08-20 11:44 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received sufficient Business Entity Documentation. - Due Diligence Vendor-08/20/2026 Ready for Review-Please be advised that the vesting is under XXXX. - Seller-08/18/2026 Counter-Received IRS EIN verification for XXXX. Missing Operating Agreement for XXXX. - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. Uploaded EIN showing the borrower as Sole Member of the LLC - Seller-08/14/2026 Open-The Business Entity Formation Document is incomplete Provide Operating Agreement for borrower's LLC - Due Diligence Vendor-08/14/2026 |
Ready for Review-Please be advised that the vesting is under XXXX. - Seller-08/18/2026 Ready for Review-Document Uploaded. Uploaded EIN showing the borrower as Sole Member of the LLC - Seller-08/14/2026 |
Resolved-Received sufficient Business Entity Documentation. - Due Diligence Vendor-08/20/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.429 Required is 0.75 Borrower has 1.429 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 805 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 56.82 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Delayed Financing | N/A | N/A | 10817173 | |||
| 1305240 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE3599 | 2026-08-14 10:13 | 2026-08-20 14:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator provided a waiver for exposure, applied to non material finding with comp factors - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Please note that we have a management exception: *5th property with max LTV minus 10% *Price Adjustment 0.750 *Good fico and DSCR > 1 - Seller-08/18/2026 Open-Per guidelines, maximum number of XXX loans allowed to one borrower is 4. Per final 1003, borrower has a total of 5 loans with XXX with this purchase transaction. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. Please note that we have a management exception: *5th property with max LTV minus 10% *Price Adjustment 0.750 *Good fico and DSCR > 1 - Seller-08/18/2026 |
Waived-Originator provided a waiver for exposure, applied to non material finding with comp factors - Due Diligence Vendor-08/20/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 640; Borrower has 712. Required is 640 Borrower has 712 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.249%. Required is 0.75 Borrower has 1.249 |
10% LTV reduction Price Adjustment 0.750 Goof Fico and DSR > 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 10816745 | ||
| 1305241 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1156 | 2026-08-14 16:45 | 2026-08-18 10:44 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Upon further review, Purchase Contract, HOI Policy and Title all reflect LLC. Operating agreement in file to document LLC - Due Diligence Vendor-08/18/2026 Ready for Review-The property is vested in the LLC. Supporting documentation, including the LLC Operating Agreement, is included in the loan package, page 41. Furthermore, page 238-244 of the loan package identifies the LLC as the client/named insured on the Hazard Insurance Policy. - Seller-08/14/2026 Open-Named Insured does not match Borrower(s) Name(s) Policy is in the name of an LLC and loan did not close in an LLC - Due Diligence Vendor-08/14/2026 |
Ready for Review-The property is vested in the LLC. Supporting documentation, including the LLC Operating Agreement, is included in the loan package, page 41. Furthermore, page 238-244 of the loan package identifies the LLC as the client/named insured on the Hazard Insurance Policy. - Seller-08/14/2026 |
Resolved-Upon further review, Purchase Contract, HOI Policy and Title all reflect LLC. Operating agreement in file to document LLC - Due Diligence Vendor-08/18/2026 |
Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.172 Required is 0.75 Borrower has 1.172 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10826130 | ||||
| 1305242 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-14 13:44 | 2026-08-18 10:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud Report adding XXXX, All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/18/2026 Ready for Review-Document Uploaded. - Seller-08/15/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Add Borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/14/2026 |
Ready for Review-Document Uploaded. - Seller-08/15/2026 |
Resolved-Received updated Fraud Report adding XXXX, All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/18/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.655 Required is 0.85 Borrower has 1.655 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 753 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 68.18 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10822461 | |||
| 1305243 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1307106 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-17 09:37 | 2026-08-20 10:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/18/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/18/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 |
Months Reserves exceed minimum required - Minm 6, borrower has 87.91 Long term residence - Long Term Residence = 2+ years |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10846413 | |||
| 1307107 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1307108 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-17 12:51 | 2026-08-20 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/18/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/18/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 |
Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 DSCR % greater than 1.20 - Required is 0.85 Borrower has 2.461 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10851063 | |||
| 1307109 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1307110 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1307111 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-17 10:23 | 2026-08-20 10:16 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. - Seller-08/18/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Seller and provide updated Fraud Report search. - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. - Seller-08/18/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/20/2026 |
Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.321 Required is 0.85 Borrower has 1.321 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 787 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10847353 | |||
| 1307112 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1307113 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-15 13:36 | 2026-08-19 11:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received May and June mortgage statements, finding calls for April and May however the June 1 statement does not reflect any late charges. Housing History Meets Guideline Requirements - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. - Seller-08/17/2026 Open-Housing History Does Not Meet Guideline Requirements Please provide evidence the XXXX mortgage payments were paid as agreed on the Primary Residence. - Due Diligence Vendor-08/15/2026 |
Ready for Review-Document Uploaded. - Seller-08/17/2026 |
Resolved-Received May and June mortgage statements, finding calls for April and May however the June 1 statement does not reflect any late charges. Housing History Meets Guideline Requirements - Due Diligence Vendor-08/19/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 787 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 62.26 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.644 Required is 0.75 Borrower has 1.644 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10835073 | |||
| 1309440 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1309441 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1309442 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1309443 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0202 | 2026-08-15 17:59 | 2026-08-20 10:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Required ACH form is missing from the file | Resolved-Received ACH. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded ACH and welcome letter form - Seller-08/18/2026 Open-Required ACH form is missing from the file. Required ACH form for non-permanent resident is missing from the file. - Due Diligence Vendor-08/15/2026 |
Ready for Review-Document Uploaded. Uploaded ACH and welcome letter form - Seller-08/18/2026 |
Resolved-Received ACH. - Due Diligence Vendor-08/20/2026 |
Months Reserves exceed minimum required - 13.1 mos reserves; 3 mos required Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.013 Required is 0.75 Borrower has 1.013 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10835735 | |||
| 1309444 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1309445 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-08-15 18:58 | 2026-08-28 12:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received updated fraud report. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Uploaded revised fraud repot with appraisal parties added. - Seller-08/27/2026 Counter-Received updated Fraud report, still missing appraiser and appraisal company (XXXX) and (XXXX) - Due Diligence Vendor-08/27/2026 Ready for Review-Uploaded revised fraud report - Seller-08/26/2026 Counter-Received Fraud report. Vested entity listed as closing company. Fraud Report also missing third party vendors ie Appraiser and appraisal company. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/20/2026 Counter-All pages of the fraud report provided. Exclusionary list is missing the Vested Entity, Settlement agent/Company. Finding remains. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded complete fraud report - Seller-08/18/2026 Open-Third Party Fraud Report Partially Provided Missing the complete fraud report with all pages - Due Diligence Vendor-08/15/2026 |
Ready for Review-Document Uploaded. Uploaded revised fraud repot with appraisal parties added. - Seller-08/27/2026 Ready for Review-Uploaded revised fraud report - Seller-08/26/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/20/2026 Ready for Review-Document Uploaded. Uploaded complete fraud report - Seller-08/18/2026 |
Resolved-Received updated fraud report. - Due Diligence Vendor-08/28/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - 1.366 Required is 0.75 Borrower has 1.366 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 800 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10835966 | |||
| 1309446 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1309447 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1480 | 2026-08-15 15:57 | 2026-08-21 12:12 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived-Originator provided a waiver missing the account holders name for XXXX, applied to non material finding with comp factors - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see uploaded management exceptions. - Seller-08/19/2026 Counter-XXXX was cashed out, the provided documentation does not reflect the ownership of the account. - Due Diligence Vendor-08/19/2026 Ready for Review-Document Uploaded. Please see uploaded GL. It met all the requirements. But for the acct holders name See below pages in the loan package XXXX - Seller-08/17/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Statement provided is missing the account holders name - Due Diligence Vendor-08/15/2026 |
Ready for Review-Document Uploaded. Please see uploaded management exceptions. - Seller-08/19/2026 Ready for Review-Document Uploaded. Please see uploaded GL. It met all the requirements. But for the acct holders name See below pages in the loan package XXXX - Seller-08/17/2026 |
Waived-Originator provided a waiver missing the account holders name for XXXX, applied to non material finding with comp factors - Due Diligence Vendor-08/21/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 817 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - 1.155 Required is 0.75 Borrower has 1.155 |
Great credit score: 817 FICO > 700 required Low LTV: 65% < 75% max allowed |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 10835465 | ||
| 1311186 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8702 | 2026-08-17 15:17 | 2026-08-24 10:46 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-EIN confirm sole ownership. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. The EIN document dated XXXX reflects the LLC as a single-member entity, confirming the borrower is the sole owner with 100% ownership interest. The provided EIN documentation sufficiently supports the ownership structure of the LLC. - Seller-08/20/2026 Counter-EIN reflecting sole owner dated XXXX provided. Please provide the Operating agreement. - Due Diligence Vendor-08/20/2026 Ready for Review-Document Uploaded. Uploaded EIN showing the borrower as sole member of the LLC - Seller-08/18/2026 Open-The Business Entity Formation Document is incomplete Provide operating agreement for LLC. Additional findings may apply. - Due Diligence Vendor-08/17/2026 |
Ready for Review-Document Uploaded. The EIN document dated XXXX reflects the LLC as a single-member entity, confirming the borrower is the sole owner with 100% ownership interest. The provided EIN documentation sufficiently supports the ownership structure of the LLC. - Seller-08/20/2026 Ready for Review-Document Uploaded. Uploaded EIN showing the borrower as sole member of the LLC - Seller-08/18/2026 |
Resolved-EIN confirm sole ownership. - Due Diligence Vendor-08/24/2026 |
DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.384 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 751 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 23.65 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10854060 | |||
| 1311187 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1311188 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-08-18 09:42 | 2026-08-21 12:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received notification of incoming wire into XXXX iao $174k reflecting XXXX was opened 7/15/2026. Also XXXX confirmation of wire $174k sent and statement providing paper trail of funds. Audited Reserves of 4.33 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/21/2026 Ready for Review-Total Required Assets: XXXX = 176,897.76 Total Verified Assets: XXXX - $8,217.39 /XXXX - $176,462 = 184,679.39 - Seller-08/19/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/18/2026 |
Ready for Review-Total Required Assets: XXXX = 176,897.76 Total Verified Assets: XXXX - $8,217.39 / XXXX - $176,462 = 184,679.39 - Seller-08/19/2026 |
Resolved-Received notification of incoming wire into XXXX iao $174k reflecting acct XXXX was opened 7/15/2026. Also XXXX confirmation of wire $174k sent and statement providing paper trail of funds. Audited Reserves of 4.33 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-08/21/2026 |
Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 42.86 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.317 Required is 0.75 Borrower has 1.317 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10866677 | ||||
| 1311188 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2026-08-18 09:34 | 2026-08-21 12:40 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received notification of incoming wire into XXXX iao $174k reflecting acct XXXX was opened 7/15/2026. Also XXXX confirmation of wire $174k sent and statement providing paper trail of funds. - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see uploaded - date opened 07/15 - Seller-08/19/2026 Open-Total Qualified Assets Post-Close amount is '$-156752.61'. Assets are Insufficient. Per guidelines, 60 day asset verification is required. Asset 1 does not meet seasoning requirements and could not be used towards reserves. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Please see uploaded - date opened 07/15 - Seller-08/19/2026 |
Resolved-Received notification of incoming wire into XXXX iao $174k reflecting acct XXXX was opened 7/15/2026. Also XXXX confirmation of wire $174k sent and statement providing paper trail of funds. - Due Diligence Vendor-08/21/2026 |
Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 42.86 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.317 Required is 0.75 Borrower has 1.317 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10866517 | |||
| 1311188 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-18 09:11 | 2026-08-21 12:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see uploaded updated data verify. - Seller-08/19/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in fraud report search. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Please see uploaded updated data verify. - Seller-08/19/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/21/2026 |
Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 42.86 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.317 Required is 0.75 Borrower has 1.317 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10865997 | |||
| 1311189 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8702 | 2026-08-19 11:53 | 2026-08-21 11:53 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Operating Agreement listing the borrower as 100% owner - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-08/19/2026 Open-The Business Entity Formation Document is incomplete Provide verification the borrower is 100% owner of LLC. Guidelines state Title vesting may be in a Limited Liability Company (LLC) as long as the borrower(s) have 100% ownership interest and it is documented by the organization documentation. The Franchise Tax Account Status in loan file does not show ownership percentage. Please provide LLC formation documents that reflect the borrower is the 100% owner of the LLC or the Operating Agreement listing the borrower as 100% owner. Upon receipt additional findings may apply. - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. Please see uploaded LLC - Seller-08/19/2026 |
Resolved-Received Operating Agreement listing the borrower as 100% owner - Due Diligence Vendor-08/21/2026 |
Months Reserves exceed minimum required - 3 months reserves required / borrower reserves 8.53 months DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.004 Required is 0.75 Borrower has 1.004 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10897297 | |||
| 1313282 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0046 | 2026-08-18 12:32 | 2026-08-19 21:05 | Resolved | 1 - Information | C | A | Credit | Borrower | Foreign National Country or Residence is on Sanctions List | Resolved-Borrower from XXXX and country appears on the OFAC sanctions list. Per XXXX sanctions overview, #5, financial transactions allowed when borrower is not reporting on OFAC search. Per XXXX report, borrower was checked and cleared through OFAC. - Due Diligence Vendor-08/20/2026 Open-Foreign National Country or Residence on Sanctions List. FN Borrower from XXXX and country appears on the OFAC sanctions list. Per XXXX sanctions overview, #5, financial transactions allowed when borrower is not reporting on OFAC search. Per drive report, borrower was checked and cleared through OFAC. - Due Diligence Vendor-08/18/2026 |
Resolved-Borrower from XXXX and country appears on the OFAC sanctions list. Per XXXX sanctions overview, #5, financial transactions allowed when borrower is not reporting on OFAC search. Per XXXX report, borrower was checked and cleared through OFAC. - Due Diligence Vendor-08/20/2026 |
Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 30 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.576 Required is 0.75 Borrower has 1.576 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10871488 | |||||
| 1313283 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1313284 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0157 | 2026-08-18 13:19 | 2026-09-02 12:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-Received confirmation listing removed prior to Note. - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Please see the uploaded listing history showing address. - Seller-08/31/2026 Counter-Received 2 XXXX reports that do not reflect price history and a price history/XXXX that does not include the property it pertains to. Please provide Property report that includes sale/price history. to verify the property was listed for sale and when was removed and no longer listed for sale. - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Please see the uploaded. Listing removed on XXXX. Note date is XXXX. - Seller-08/28/2026 Counter-Received duplicate XXXX with Lender rebuttal. Page 2 does reflect "not for sale", but does not provide the date the listing was removed to confirm it was removed prior to the Note date. Finding remains. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Uploaded. Please see p.2. Listing Status: Not for sale. - Seller-08/27/2026 Counter-Upon further review, per GL a listing cancellation of less than 6 months is permitted with a PPP. Loan has a PPP, please provide listing cancellation or property detail report if it reflects listing removed date - Due Diligence Vendor-08/27/2026 Ready for Review- Per guideline, A listing cancellation of less than six (6) months is permitted with a prepayment penalty. This loan is with a prepayment penalty. - Seller-08/25/2026 Open-Loan does not meet guideline requirements for loans listed for sale. - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Please see the uploaded listing. Subject no longer listed for sale. - Seller-08/20/2026 Open-Loan does not meet guideline requirements for loans listed for sale. Per appraisal, property is actively listed for sale. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Please see the uploaded listing history showing address. - Seller-08/31/2026 Ready for Review-Document Uploaded. Please see the uploaded. Listing removed on XXXX. Note date is XXXX. - Seller-08/28/2026 Ready for Review-Document Uploaded. Uploaded. Please see p.2. Listing Status: Not for sale. - Seller-08/27/2026 Ready for Review- Per guideline, A listing cancellation of less than six (6) months is permitted with a prepayment penalty. This loan is with a prepayment penalty. - Seller-08/25/2026 Ready for Review-Document Uploaded. Please see the uploaded listing. Subject no longer listed for sale. - Seller-08/20/2026 |
Resolved-Received confirmation listing removed prior to Note. - Due Diligence Vendor-09/02/2026 |
Months Reserves exceed minimum required - Minm 3, Borrower has 84.91 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.006 Required is 0.75 Borrower has 1.006 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10872533 | |||
| 1313285 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-18 14:06 | 2026-08-21 11:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/19/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add borrower's trust and provide updated fraud report search. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. - Seller-08/19/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/21/2026 |
Months Reserves exceed minimum required - Minm 6, borrower has 114.42 Guideline: LTV is less than guideline maximum - Required is 60 Borrower has 37.59 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10874075 | |||
| 1313285 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8701 | 2026-08-18 13:42 | 2026-08-21 11:42 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received certification of trust for XXXX. - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. - Seller-08/19/2026 Open-The Business Entity Formation Document is Missing. Please provide trust documentation for the XXXX. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. - Seller-08/19/2026 |
Resolved-Received certification of trust for XXXX. - Due Diligence Vendor-08/21/2026 |
Months Reserves exceed minimum required - Minm 6, borrower has 114.42 Guideline: LTV is less than guideline maximum - Required is 60 Borrower has 37.59 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10873210 | |||
| 1313286 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1313287 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0082 | 2026-08-18 14:27 | 2026-08-21 11:34 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Deed signed and notarized at closing. - Due Diligence Vendor-08/21/2026 Ready for Review-Document Uploaded. Uploaded QCD - Seller-08/19/2026 Open-Vested Owner Signature Requirement Not met. Final Title is showing as XXXX, as tenants in common. Non-borrowing signer (XXXX) did not sign the DOT. Please provide updated Title that reflects vesting in XXXX only or provide copy of QCD from XXXX dated on or prior to the Note date. - Due Diligence Vendor-08/18/2026 |
Ready for Review-Document Uploaded. Uploaded QCD - Seller-08/19/2026 |
Resolved-Received Deed signed and notarized at closing. - Due Diligence Vendor-08/21/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 727 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.535 Required is 0.75 Borrower has 1.535 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 36.9 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10874571 | |||
| 1313288 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1313289 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0082 | 2026-08-19 09:29 | 2026-08-27 10:47 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received updated title, Vested Owner Signature Requirement met. - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Uploaded updated Title Commitment - Seller-08/26/2026 Open-Vested Owner Signature Requirement Not met. Provide Supplemental Title Report listing XXXX as an additional vested owner. Proposed vesting on comittment was reflected as XXXX a married man and XXXX a married woman, however the security instrument and all riders are signed by XXXX. - Due Diligence Vendor-08/19/2026 |
Ready for Review-Document Uploaded. Uploaded updated Title Commitment - Seller-08/26/2026 |
Resolved-Received updated title, Vested Owner Signature Requirement met. - Due Diligence Vendor-08/27/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.082 Required is 0.85 Borrower has 1.082 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10892732 | |||
| 1313291 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1319440 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE0970 | 2026-08-20 14:00 | 2026-09-30 12:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received photos of stove and refrigerator. Appraisal provided note XXXX "The subject property had a working stove and refrigerator in the kitchen at the time of our appraisal." - Due Diligence Vendor-09/30/2026 Ready for Review-Document Uploaded. - Seller-09/28/2026 Counter-Received appraisal with updated sketch reflecting bathroom and only a note from appraiser that subject had a stove and refrigerator. Appraisers must photograph the main kitchen area, and if a physical stove is missing, a clear photo of the active utility hookup (gas valve or 220v outlet) must be present in the appraisal report to verify kitchen viability. Finding remains. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. - Seller-09/08/2026 Open-Please provide updated building sketch showing the bathroom. Also please provide evidence that kitchen contains a stove/fridge. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-09/28/2026 Ready for Review-Document Uploaded. - Seller-09/08/2026 |
Resolved-Received photos of stove and refrigerator. Appraisal provided note XXXX "The subject property had a working stove and refrigerator in the kitchen at the time of our appraisal." - Due Diligence Vendor-09/30/2026 |
Months Reserves exceed minimum required - Minm 3, borrower has 37.11 months reserves DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.108 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10929322 | |||
| 1319440 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2026-08-20 14:27 | 2026-08-24 10:51 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/21/2026 Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $75000 Audited Loan Amount of XXXX is less than the Guideline Minimum Loan Amount of $75000 - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/21/2026 |
Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-08/24/2026 |
Months Reserves exceed minimum required - Minm 3, borrower has 37.11 months reserves DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.108 |
Price Adjustment 1.500 DSCR > 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 10930153 | ||
| 1319440 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1206 | 2026-08-20 14:11 | 2026-08-24 10:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/21/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Add Borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/21/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-08/24/2026 |
Months Reserves exceed minimum required - Minm 3, borrower has 37.11 months reserves DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.108 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10929697 | |||
| 1319440 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE0082 | 2026-08-20 13:53 | 2026-08-24 10:48 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Upon further review, Quit Claim Deed was located in the loan file. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. - Seller-08/21/2026 Open-Vested Owner Signature Requirement Not met. Subject vested in XXXX on commitment. Security Instument signed by borrowers as members of XXXX. Please provide evidence the subject was deeded to XXXX on or before closing. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/21/2026 |
Resolved-Upon further review, Quit Claim Deed was located in the loan file. - Due Diligence Vendor-08/24/2026 |
Months Reserves exceed minimum required - Minm 3, borrower has 37.11 months reserves DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.108 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10929061 | |||
| 1319441 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1319442 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2026-08-20 11:18 | 2026-08-27 11:23 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Upon further review, statement history reflects money in, money out and remaining amount. beginning balance matches statements provided and account number is reflected on statement - Due Diligence Vendor-08/27/2026 Ready for Review-Please see below: $220,250 (Money In) - $2,608.56 (Money Out = $217,641.44 (Ending Balance). Account number is on page 5 of the statement. - Seller-08/25/2026 Counter-Finding remains. Document provide is a statement history showing ownership is XXXX with a Net change this month of $217641.44. Unable to validate this amount is the ending balance and the account number is not shown on this document - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded operating agreement. Please be advised that the account details are on page 1. Account name is XXXX with ending balance of $217,641.44 - Seller-08/20/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Please provide Operating Agreement for XXXX that reflects borrower is 100% owner, Also please provide bank statement or Letter from the bank XXXX checking from 7/01/2026 - 07/21/2026 that confirms the available balance on 07/21/2026. Account printout provided reflects a $200,000 deposit on 07/03/2026 and a $20,000 deposit on 07/17/2026, however available balance is not listed and the XXXX is only listed by the transactions and not the account owner's info. Upon receipt additional conditions may apply. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Please see below: $220,250 (Money In) - $2,608.56 (Money Out = $217,641.44 (Ending Balance). Account number is on page 5 of the statement. - Seller-08/25/2026 Ready for Review-Document Uploaded. Uploaded operating agreement. Please be advised that the account details are on page 1. Account name is XXXX with ending balance of $217,641.44 - Seller-08/20/2026 |
Resolved-Upon further review, statement history reflects money in, money out and remaining amount. beginning balance matches statements provided and account number is reflected on statement - Due Diligence Vendor-08/27/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.356 Required is 0.85 Borrower has 1.356 Months Reserves exceed minimum required - Reserves = 56 months – Required Reserves = 3 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10924721 | |||
| 1319442 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8702 | 2026-08-20 10:38 | 2026-08-27 11:18 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Upon further review, Operating agreement is sufficient - Due Diligence Vendor-08/27/2026 Ready for Review-Operating agreement has been uploaded. Per guideline, EIN is not required. Per guideline, Formation document, EIN and SOS is not reuired. - Seller-08/25/2026 Counter-Received operating agreement for XXXX, missing Formation document, EIN and SOS. Finding remains - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2026 Open-The Business Entity Formation Document is incomplete Operating Agreement provided for XXXX shows that the owner of the LLC is a layered LLC. The Operating Agreement for XXXX was not provided. Provide evidence that borrower is 100% owner of XXXX (Security Agreement signed as member of XXXX). Further findings may apply. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Operating agreement has been uploaded. Per guideline, EIN is not required. Per guideline, Formation document, EIN and SOS is not reuired. - Seller-08/25/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2026 |
Resolved-Upon further review, Operating agreement is sufficient - Due Diligence Vendor-08/27/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.356 Required is 0.85 Borrower has 1.356 Months Reserves exceed minimum required - Reserves = 56 months – Required Reserves = 3 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10923751 | |||
| 1319442 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-20 10:58 | 2026-08-24 11:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud Report with borrowers LLC, all clear - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Borrower's LLC and provide updated Fraud Report search. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-08/20/2026 |
Resolved-Received updated Fraud Report with borrowers LLC, all clear - Due Diligence Vendor-08/24/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.356 Required is 0.85 Borrower has 1.356 Months Reserves exceed minimum required - Reserves = 56 months – Required Reserves = 3 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10924334 | |||
| 1319443 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0970 | 2026-08-20 15:19 | 2026-09-09 12:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming wood rot is cosmetic only. - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Please refer to page 11 of the attached document. Thank you. - Seller-09/04/2026 Counter-Received explanation, page 10 of appraisal report - Supplemental addendum in copy provided does not address the rotted wood, Please provide the referenced revision/version referenced by lender. - Due Diligence Vendor-08/28/2026 Ready for Review-Please refer to page 10 (appraisal report) or page 151 of the loan package. Thank you. - Seller-08/26/2026 Open-Appraiser to provide commentary if the rotted wood poses a health/hazard issue. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Please refer to page 11 of the attached document. Thank you. - Seller-09/04/2026 Ready for Review-Please refer to page 10 (appraisal report) or page 151 of the loan package. Thank you. - Seller-08/26/2026 |
Resolved-Received revised appraisal confirming wood rot is cosmetic only. - Due Diligence Vendor-09/09/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.027 Required is 0.85 Borrower has 1.027 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10932112 | |||
| 1319443 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-08-20 15:31 | 2026-09-01 12:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Counter-Received Loan Detail Report date XXXX, with Section 32 and compliance points and fees analysis. Missing Fraud/Risk review/ automated fraud and data verification tool (e.g., XXXX, etc.) reflecting all transaction participants must be included: borrowers, entities as borrowers, settlement companies/agents, appraisers, and appraisal companies were screened against OFAC and Watchlist screenings. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-Third Party Fraud Report Partially Provided Please provide complete XXXX Report. Additional findings may apply. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/01/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.027 Required is 0.85 Borrower has 1.027 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10932285 | |||
| 1319443 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8701 | 2026-08-20 14:58 | 2026-08-28 12:10 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received 27 page revocable trust between the borrowers designating as trustees of the revocable trust. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-The Business Entity Formation Document is Missing. Please provide Trust documentation for the XXXX. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Received 27 page revocable trust between the borrowers designating as trustees of the revocable trust. - Due Diligence Vendor-08/28/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.027 Required is 0.85 Borrower has 1.027 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10931091 | |||
| 1319444 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0082 | 2026-08-20 13:28 | 2026-09-03 12:28 | Resolved | 1 - Information | C | A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received LOX from both owners of the XXXX acknowledging this transaction w/ approval for name change - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Uploaded LLC LOE - Seller-09/01/2026 Open-Vested Owner Signature Requirement Not met. Borrower signed as individual. Vested to LLC. Closing package contains Warranty Deed granting ownership from LLC to borrower individually. Warranty Deed is signed by borrower as grantor (in capacity as member of LLC). Borrower is 50% owner based in Operating Agreement for XXXX. Operating Agreement specifically states under 3.5 The Members may delegate ordinary administrative authority relating to real estate transactions as appropriate; however, neither Member shall use delegated authority to circumvent the requirement for joint approval of a material transaction. Please provide unanimous consent for borrower to act on behalf of the LLC or other acceptable document delegating authourity to borrower to change vesting from LLC to himself as an individual. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Uploaded LLC LOE - Seller-09/01/2026 |
Resolved-Received LOX from both owners of the XXXX acknowledging this transaction w/ approval for name change - Due Diligence Vendor-09/03/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 787 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.058 Required is 0.85 Borrower has 1.058 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10928536 | |||
| 1319445 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-08-20 12:04 | 2026-09-02 12:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-09/02/2026 Ready for Review-Since there is no information regarding this, that's why is not showing that section, also, please note that as long as total score is pass we are good. This doesn’t affect any loan eligibility - Seller-08/31/2026 Counter-Received XXXX/Fraud report with all parties. however the property section was not completed/provided. Please provide XXXX Fraud report with the 3 components scored -XXXX as well as XXXX. - Due Diligence Vendor-08/31/2026 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/31/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/28/2026 Counter-The fraud check must evaluate all entities that have access to funds, authority to approve transactions, or control over data. Missing Sellers XXXX. - Due Diligence Vendor-08/28/2026 Ready for Review-Could you please advise which participants do you require exactly so i can provide fraud report as you need ? - Seller-08/26/2026 Counter-Received Fraud report. All participants not checked. Missing seller, appraiser, appraisal company, etc. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded complete fraud report - Seller-08/20/2026 Open-Third Party Fraud Report Partially Provided Please provide complete XXXX Report. Further findings may apply. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Since there is no information regarding this, that's why is not showing that section, also, please note that as long as total score is pass we are good. This doesn’t affect any loan eligibility - Seller-08/31/2026 Ready for Review-Document Uploaded. Uploaded revised fraud report - Seller-08/28/2026 Ready for Review-Could you please advise which participants do you require exactly so i can provide fraud report as you need ? - Seller-08/26/2026 Ready for Review-Document Uploaded. Uploaded complete fraud report - Seller-08/20/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-09/02/2026 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-08/31/2026 |
DSCR % greater than 1.20 - DSCR = 1.754 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10925728 | |||
| 1319446 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE6844 | 2026-08-20 13:17 | 2026-08-24 11:30 | Resolved | 1 - Information | C | A | Credit | Assets | Gift Funds General | Resolved-Upon further review, gift amount meets guideline requirements. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Per guideline, there is no Maximum amount of gift. - Seller-08/20/2026 Open-Gift of Equity was given to the borrower for $48,000. Per sales price of XXXX & Appraised value XXXX max equity giftable is $38,000. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Per guideline, there is no Maximum amount of gift. - Seller-08/20/2026 |
Resolved-Upon further review, gift amount meets guideline requirements. - Due Diligence Vendor-08/24/2026 |
On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history of 0x30x21 exceeds guideline requirements of 1x30x12 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10928258 | |||
| 1319446 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-08-20 13:18 | 2026-08-24 11:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-08/24/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/20/2026 Open-Third Party Fraud Report Partially Provided Please provide complete XXXX Report. Further findings may apply. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/20/2026 |
Resolved-Received Fraud Report. - Due Diligence Vendor-08/24/2026 |
On time mortgage history exceeds guideline requirement - Borrower's mortgage payment history of 0x30x21 exceeds guideline requirements of 1x30x12 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10928299 | |||
| 1326623 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-08-21 11:11 | 2026-09-03 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, windows are in average condition with no health/safety issues noted - Due Diligence Vendor-09/03/2026 Ready for Review-Rebuttal/Comment: The appraisal report does not identify any condition-related concerns with the subject property's windows. The appraiser specifically noted that the windows were in average condition at the time of inspection, with no issues observed or reported. While a photograph may depict plastic or covering on a portion of a window, the appraiser did not determine that this represented a deficiency, deferred maintenance item, or condition issue requiring repair or further comment. Based on the appraiser's professional inspection and assessment, the windows were deemed acceptable and no adverse impact to the property's condition was noted. - Seller-09/02/2026 Counter-Received lender rebuttal. Appraiser did not address why a boarded window with plastic does not present an issue of condition. Finding remains. - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded updated Appraisal report. Please see page 2. Windows are average in condition with no issues noted at time of inspection. - Seller-08/31/2026 Counter-Upon further review of appraisal, pages 30 and 33 show part of the window boarded up for unit 3. Please have appraisal comment about this - Due Diligence Vendor-08/27/2026 Ready for Review-Per review, all photos appear to be in good condition. Could you please advise which specific photo or page of the appraisal reflects the broken window? - Seller-08/25/2026 Open-Property Issues are identified for the property Per photos, Unit 3 has a broken window that has not been replaced & appraisal was made "as is". Please provide evidence including photo(s) that reflect the broken window has been repaired. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Rebuttal/Comment: The appraisal report does not identify any condition-related concerns with the subject property's windows. The appraiser specifically noted that the windows were in average condition at the time of inspection, with no issues observed or reported. While a photograph may depict plastic or covering on a portion of a window, the appraiser did not determine that this represented a deficiency, deferred maintenance item, or condition issue requiring repair or further comment. Based on the appraiser's professional inspection and assessment, the windows were deemed acceptable and no adverse impact to the property's condition was noted. - Seller-09/02/2026 Ready for Review-Document Uploaded. Uploaded updated Appraisal report. Please see page 2. Windows are average in condition with no issues noted at time of inspection. - Seller-08/31/2026 Ready for Review-Per review, all photos appear to be in good condition. Could you please advise which specific photo or page of the appraisal reflects the broken window? - Seller-08/25/2026 |
Resolved-Upon further review, windows are in average condition with no health/safety issues noted - Due Diligence Vendor-09/03/2026 |
Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.359 Required is 0.75 Borrower has 1.359 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10953139 | |||
| 1326623 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-21 11:20 | 2026-08-27 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud Report that includes borrowers LLC, all clear - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/26/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add borrower's LLC and provide updated fraud report search. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/26/2026 |
Resolved-Received updated Fraud Report that includes borrowers LLC, all clear - Due Diligence Vendor-08/27/2026 |
Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 65 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.359 Required is 0.75 Borrower has 1.359 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10953931 | |||
| 1326624 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-21 12:36 | 2026-08-28 12:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated Fraud report. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Please see uploaded updated date verify. - Seller-08/27/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in Fraud Report search. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Please see uploaded updated date verify. - Seller-08/27/2026 |
Resolved-Received updated Fraud report. - Due Diligence Vendor-08/28/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.077 Required is 0.85 Borrower has 1.077 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10956424 | |||
| 1326625 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1326626 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-21 10:32 | 2026-09-01 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Uploaded - Seller-08/28/2026 Counter-Received duplicate Fraud report. Missing Non borrowing signer (XXXX). Please include and provide a complete updated report. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Uploaded updated XXXX - Seller-08/26/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Non borrowing signer (XXXX) and provide updated fraud report search. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Uploaded - Seller-08/28/2026 Ready for Review-Document Uploaded. Uploaded updated Data Verify - Seller-08/26/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/01/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.217 Required is 0.85 Borrower has 1.217 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10952209 | |||
| 1326626 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-21 10:30 | 2026-09-01 11:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated Fraud report. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Per the uploaded VOM, the borrower was assessed late fees for payments made after the 15th; however, neither payment was more than 30 days late. As such, the VOM does not reflect any 30-day delinquencies. - Seller-08/28/2026 Counter-Received Lender rebuttal. Lender to provide Processor Cert to document Creditor confirmed neither payment was more than 30 days late or provide an updated VOM that document if payments more than 30 days late. Finding remains. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. The payments were not delinquent, but they were paid with a late fee due to paying after the 15th. - Seller-08/26/2026 Open-Housing History Does Not Meet Guideline Requirements VOM for primary residence reflects borrower has had 2 late payments in the last 12 months (VOM reflects lates were 15-30 days past due) and per guidelines 1x30x12 is allowed. Please provide updated VOM that specifies if either payment was 30 days past due (2x30x12 not allowed). - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Per the uploaded VOM, the borrower was assessed late fees for payments made after the 15th; however, neither payment was more than 30 days late. As such, the VOM does not reflect any 30-day delinquencies. - Seller-08/28/2026 Ready for Review-Document Uploaded. The payments were not delinquent, but they were paid with a late fee due to paying after the 15th. - Seller-08/26/2026 |
Resolved-Received updated Fraud report. - Due Diligence Vendor-09/01/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.217 Required is 0.85 Borrower has 1.217 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10952164 | |||
| 1326627 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1326628 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2026-08-21 11:10 | 2026-08-28 09:59 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-After further review- XXXX is a payment platform that assists individuals in transferring money internationally. The $94,000 wired to title was from Brws foreign bank acct - XXXX in which a transition history was provided documenting 60+ days of activity meeting guideline requirements. - Due Diligence Vendor-08/28/2026 Counter-Received account history for XXXX however the finding is for XXXX that reflects receipt of $94,000. Finding remains - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Uploaded source of $94,000. Please see p.23 of bank statement. - Seller-08/26/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Please provide statement from XXXX that reflects the receipt of funds in the amount of $94,000 on 08/10/2026 from borrower's foreign bank account XXXX. Account XXXX statement through 08/14/2026 satisfies 2 month seasoning requirement and transaction dated 08/10/2024 reflects $94,000 transfer to XXXX. XXXX receipt in file reflects wire transfer completed 12/08/2026 (future date). Receipt of wire funds by XXXX dated 08/17/2026 shows the originator as XXXX - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Uploaded source of $94,000. Please see p.23 of bank statement. - Seller-08/26/2026 |
Resolved-After further review- XXXX is a payment platform that assists individuals in transferring money internationally. The $94,000 wired to title was from Brws foreign bank acct - XXXX in which a transition history was provided documenting 60+ days of activity meeting guideline requirements. - Due Diligence Vendor-08/28/2026 |
Long term residence - Long Term Residence = 11+ years DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.151 Required is 0.85 Borrower has 1.151 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10953092 | |||
| 1326629 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-21 12:08 | 2026-08-28 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage statement to document June Payment. Accepted as finding noted allow 1*30 - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Please see uploaded mortgage statement. - Seller-08/27/2026 Open-Housing History Does Not Meet Guideline Requirements Provide proof of July mortgage payment for the primary residence for either the first or second mortgage, as guidelines allow to a 1*30. - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. Please see uploaded mortgage statement. - Seller-08/27/2026 |
Resolved-Received Mortgage statement to document June Payment. Accepted as finding noted allow 1*30 - Due Diligence Vendor-08/28/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - - Required is 0.75 Borrower has 1.01 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10955942 | |||
| 1326630 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1329866 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1329867 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-08-24 10:20 | 2026-09-01 12:11 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Counter-Received Fraud/XXXX Report 774 score last run 08/26/2026. Please add XXXX, rescore, clear any items and resubmit for review. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Please add Sellers and provide updated fraud report search. - Due Diligence Vendor-08/24/2026 |
Ready for Review-Document Uploaded. - Seller-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/01/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 45 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.428 Required is 0.75 Borrower has 1.428 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 10981395 | |||
| 1329868 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1115 | 2026-08-20 17:21 | 2026-09-02 13:19 | Resolved | 1 - Information | C | A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-Received Note and Mortgage reflecting executed XXXX - Due Diligence Vendor-09/02/2026 Ready for Review-Uploaded updated DOT with riders - Seller-09/01/2026 Counter-Received DOT with corrected Notary Date of XXXX without Riders. Lender to confirm corrected DOT with Riders were re-recorded. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Uploaded updated DOT - Seller-08/31/2026 Open-Security Instrument Date is greater than the transaction date of XXXX DOT date of XXXX is greater than notary date of XXXX. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Uploaded updated DOT with riders - Seller-09/01/2026 Ready for Review-Document Uploaded. Uploaded updated DOT - Seller-08/31/2026 |
Resolved-Received Note and Mortgage reflecting executed XXXX - Due Diligence Vendor-09/02/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1 Required is 0.75 Borrower has 1 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 74.93 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10937221 | |||
| 1329868 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1509 | 2026-08-20 17:22 | 2026-09-02 13:18 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Note and Mortgage reflecting executed XXXX - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded updated DOT and Note - Seller-09/01/2026 Counter-Lender provided DOT. Finding is for Note. Finding remains. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Uploaded updated DOT - Seller-08/31/2026 Open-There are Issues Present on the Note that must be addressed. Note date of XXXX is greater than notary date of XXXX. - Due Diligence Vendor-08/20/2026 |
Ready for Review-Document Uploaded. Uploaded updated DOT and Note - Seller-09/01/2026 Ready for Review-Document Uploaded. Uploaded updated DOT - Seller-08/31/2026 |
Resolved-Received Note and Mortgage reflecting executed XXXX - Due Diligence Vendor-09/02/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1 Required is 0.75 Borrower has 1 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 74.93 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10937268 | |||
| 1329868 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8701 | 2026-08-24 11:47 | 2026-08-27 10:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received executed Trust Certificate - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-08/26/2026 Open-The Business Entity Formation Document is Missing. MISSING TRUST AGREEMENT - Due Diligence Vendor-08/24/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-08/26/2026 |
Resolved-Received executed Trust Certificate - Due Diligence Vendor-08/27/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1 Required is 0.75 Borrower has 1 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 74.93 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10983177 | |||
| 1329869 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0116 | 2026-08-25 07:07 | 2026-09-03 12:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Approved as a limited review by the lender. - Due Diligence Vendor-09/03/2026 Ready for Review-Please note that this is an established project eligible for limited review. No CPM lender certification is required. The project was eligible at the time of funding and it´s still as of today. - Seller-08/26/2026 Open-FNMA approval is expired. Additional findings may apply. - Due Diligence Vendor-08/25/2026 |
Ready for Review-Please note that this is an established project eligible for limited review. No CPM lender certification is required. The project was eligible at the time of funding and it´s still as of today. - Seller-08/26/2026 |
Resolved-Approved as a limited review by the lender. - Due Diligence Vendor-09/03/2026 |
Months Reserves exceed minimum required - 3 months reserves required / Borrower reserves 5.4 months DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.106 Required is 0.75 Borrower has 1.106 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11003675 | |||
| 1329869 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0105 | 2026-08-25 07:00 | 2026-09-01 11:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received reserve study and confirmation next inspection is due XXXX - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Please note per the document the recertification will expire on XXXX. - Seller-08/28/2026 Counter-Received copy of inspection /recertification issued XXXX. XXXX Building has 5 stories, within 3 miles of beach and was built XXXX. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-The file does not contain the required structural engineer report per state law. - Due Diligence Vendor-08/25/2026 |
Ready for Review-Document Uploaded. Please note per the document the recertification will expire on XXXX. - Seller-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Received reserve study and confirmation next inspection is due XXXX - Due Diligence Vendor-09/01/2026 |
Months Reserves exceed minimum required - 3 months reserves required / Borrower reserves 5.4 months DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.106 Required is 0.75 Borrower has 1.106 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11003495 | |||
| 1329870 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1329871 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1329872 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1205 | 2026-08-24 08:51 | 2026-08-28 12:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received ofac checks. Missing Fraud report that reflects all loan Participants. Please provide fraud report reflecting all pages. - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. - Seller-08/26/2026 Open-OFAC Check Not Completed and/or Cleared Provide OFAC Findings. Additional findings may apply. - Due Diligence Vendor-08/24/2026 |
Ready for Review-Document Uploaded. - Seller-08/26/2026 |
Resolved-Received ofac checks. Missing Fraud report that reflects all loan Participants. Please provide fraud report reflecting all pages. - Due Diligence Vendor-08/28/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 793 Months Reserves exceed minimum required - Required reserves are 3 months - actual reserves provided 69.09 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10979750 | |||
| 1340727 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340728 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1340729 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-08-26 19:53 | 2026-08-28 11:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-No Property Issues identified for the property. Appraisal was completed "as is" and the appraiser did not identify any conditions requiring repair or further review of the garage or roof- no additional comments or documentation are necessary. No physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property were noted. - Due Diligence Vendor-08/28/2026 Open-Property Issues are identified for the property Per appraiser, roof has a blue tarp on the right side that was left behind by contractors when it was replaced. The appraiser commented that no interior leaks were observed. The appraiser also commented and provided photo(s) of the garage and noted that an interior inspection was not available (photos show a giant tarp covering the side of the garage. The appraiser stated the homeowner explained the tarp was used for a screen to watch movies and the garage wasn't damaged. Subsequent photos provided by the borrower show the tarp removed and doors and windows boarded up and outer wall damage above the door. Please provide evidence that roof repairs were completed at time of closing (Contractors Attestation and required permitting process documentation) and appraiser to inspect garage with tarp off and provide commentary with photo(s) that provides the cost to cure damage and if current state of garage is a health or safety concern. - Due Diligence Vendor-08/26/2026 |
Resolved-No Property Issues identified for the property. Appraisal was completed "as is" and the appraiser did not identify any conditions requiring repair or further review of the garage or roof- no additional comments or documentation are necessary. No physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property were noted. - Due Diligence Vendor-08/28/2026 |
Guideline: LTV is less than guideline maximum - Required is 60 Borrower has 55 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.123 Required is 0.75 Borrower has 1.123 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11050569 | |||||
| 1340730 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340731 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340732 | XXXX | D | B | D | B | A | A | A | A | Closed | FPRO1256 | 2026-08-27 06:59 | 2026-09-02 11:28 | Waived | 2 - Non-Material | D | B | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Waived-Originator exception granted to allow non-warrantable condo, Non- material waiver applied with comp factors. - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded exception. - Seller-08/28/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. The file contains a Homeowners Association Questionnaire Limited Review. Guidelines state Lender full review required. - Due Diligence Vendor-08/27/2026 |
Ready for Review-Document Uploaded. Uploaded exception. - Seller-08/28/2026 |
Waived-Originator exception granted to allow non-warrantable condo, Non- material waiver applied with comp factors. - Due Diligence Vendor-09/02/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 810 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is .75 Borrower has 1.386 Required is 0.75 Borrower has 1.386 Guideline: LTV is less than guideline maximum - Required is 60 Borrower has 41.75 |
1. LTV 2. Credit profile |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 11059253 | ||
| 1340733 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340734 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340735 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340736 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340737 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340738 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1340739 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-27 14:35 | 2026-09-01 10:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review- VOR is required only when buyer is purchasing an investment property and a 1st time homebuyer. This is a refinance of investment property transaction and although borrower is living rent free, there is no requirement of a rent free letter per guidelines. - Due Diligence Vendor-09/01/2026 Counter-GL CREDIT require mortgage Lates not to exceed 1x30 within 12mo and applied to any mortgage reported , the borrowers primary and the subject. If Private Lender, 12 months cancelled checks or 12 months bank statements must be provided to document mortgage. Please provide VOM /Rent free letter /exception waiver to satisfy . - Due Diligence Vendor-08/31/2026 Ready for Review-Rebuttal/Comment: Please note VOR is required when buyer is purchasing an investment property and a 1st time homebuyer. This is a refinance of investment property transaction and there is no requiring of rent free letter per guideline - Seller-08/27/2026 Open-Housing History Does Not Meet Guideline Requirements, provide rent free letter for primary residence - Due Diligence Vendor-08/27/2026 |
Ready for Review-Rebuttal/Comment: Please note VOR is required when buyer is purchasing an investment property and a 1st time homebuyer. This is a refinance of investment property transaction and there is no requiring of rent free letter per guideline - Seller-08/27/2026 |
Resolved-After further review- VOR is required only when buyer is purchasing an investment property and a 1st time homebuyer. This is a refinance of investment property transaction and although borrower is living rent free, there is no requirement of a rent free letter per guidelines. - Due Diligence Vendor-09/01/2026 |
Months Reserves exceed minimum required - 3 months required, borrower has 8.85 Long term residence - 2 years at primary residence |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11071401 | ||||
| 1340740 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1340741 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE8224 | 2026-08-28 14:19 | 2026-09-01 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received Operating agreement for lease - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. - Seller-08/28/2026 Open-Lease in file used to support rental income is in file, however, it shows the landlord as XXXX and not in the borrower name. Provide LLC docs to support that the borrower owns 100% of the LLC - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. - Seller-08/28/2026 |
Resolved-Received Operating agreement for lease - Due Diligence Vendor-09/01/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Verified per guideline. Required is 720 Borrower has 774 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.266 Required is 0.75 Borrower has 1.266 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11095771 | |||
| 1340742 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0105 | 2026-08-28 08:02 | 2026-09-02 13:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received CPM reflecting FNMA approved XXXX - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/01/2026 Counter-Received rebuttal CPM approval. Review is unable to locate FNMA CPM approval within package received. Please provide. Finding remains. - Due Diligence Vendor-09/01/2026 Ready for Review- Please note that if CPM is FNMA Approved, we don’t need any condo documents for the project. - Seller-08/28/2026 Open-The file does not contain the required structural engineer report per state law. Additonal findings may apply. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/01/2026 Ready for Review- Please note that if CPM is FNMA Approved, we don’t need any condo documents for the project. - Seller-08/28/2026 |
Resolved-Received CPM reflecting FNMA approved XXXX - Due Diligence Vendor-09/02/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11086538 | |||
| 1340742 | XXXX | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2026-08-28 07:40 | 2026-09-02 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM reflecting FNMA approved XXXX - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/01/2026 Counter-Received rebuttal CPM approval. Review is unable to locate FNMA CPM approval within package received. Please provide. Finding remains. - Due Diligence Vendor-09/01/2026 Ready for Review- Please note that if CPM is FNMA Approved, we don’t need any condo documents for the project. - Seller-08/28/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Additional findings may apply. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/01/2026 Ready for Review- Please note that if CPM is FNMA Approved, we don’t need any condo documents for the project. - Seller-08/28/2026 |
Resolved-Received CPM reflecting FNMA approved XXXX - Due Diligence Vendor-09/02/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11086202 | |||
| 1340742 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0117 | 2026-08-28 13:46 | 2026-09-02 13:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Received CPM reflecting FNMA approved XXXX - Due Diligence Vendor-09/02/2026 Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/01/2026 Counter-Received rebuttal CPM approval. Review is unable to locate FNMA CPM approval within package received. Please provide. Finding remains. - Due Diligence Vendor-09/01/2026 Ready for Review- Please note that if CPM is FNMA Approved, we don’t need any condo documents for the project. - Seller-08/28/2026 Open-The Condo Project Warrantability is Unable to Determine. Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Uploaded CPM - Seller-09/01/2026 Ready for Review- Please note that if CPM is FNMA Approved, we don’t need any condo documents for the project. - Seller-08/28/2026 |
Resolved-Received CPM reflecting FNMA approved XXXX - Due Diligence Vendor-09/02/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11094918 | |||
| 1340743 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-08-28 08:22 | 2026-09-01 11:50 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-09/01/2026 Ready for Review-Document Uploaded. Uploaded updated DOT - Seller-08/31/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. First page of Mortgage Document (Deed of Trust) missing from loan file. Additional findings may apply. - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Uploaded updated DOT - Seller-08/31/2026 |
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-09/01/2026 |
Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 60 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.498 Required is 0.75 Borrower has 1.498 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 780 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11086815 | |||
| 1340744 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1194 | 2026-08-28 13:32 | 2026-08-28 15:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received cashed rental ck from new tenant prior to closing - Due Diligence Vendor-08/28/2026 Ready for Review-Document Uploaded. Please note that since we have evidence of 1rst month rent and security deposit, we can proceed with LTV of 56.39% - Seller-08/28/2026 Open-Audited LTV of 56.39% exceeds Guideline LTV of 50% Home was vacant at time of closing. Although there is a future lease in file and appraiser noted that new tenant would be moving into the home, it was vacant at time of closing. Due to vacancy, guides allow a max of 50% LTV. Originator exception would be required for LTV - Due Diligence Vendor-08/28/2026 |
Ready for Review-Document Uploaded. Please note that since we have evidence of 1rst month rent and security deposit, we can proceed with LTV of 56.39% - Seller-08/28/2026 |
Resolved-Received cashed rental ck from new tenant prior to closing - Due Diligence Vendor-08/28/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.466 Required is 0.75 Borrower has 1.466 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 772 Required is 640 Borrower has 772 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11094306 | |||
| 1340745 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1342829 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1342830 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1344968 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1344969 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1344970 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1344971 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-08-31 09:49 | 2026-09-03 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Document is fully Present - Due Diligence Vendor-09/03/2026 Ready for Review-Document Uploaded. Please see uploaded Title Document. - Seller-09/01/2026 Open-Title Document is missing Title is missing File only contains a CPL. - Due Diligence Vendor-08/31/2026 |
Ready for Review-Document Uploaded. Please see uploaded Title Document. - Seller-09/01/2026 |
Resolved-Received Title Document is fully Present - Due Diligence Vendor-09/03/2026 |
DSCR % greater than 1.20 - Required is 0.75 Borrower has 2.072 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 21.05 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 2.072 Required is 0.75 Borrower has 2.072 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 810 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11117164 | |||
| 1344972 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1346979 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1346980 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1346981 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1346982 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1346983 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0184 | 2026-09-02 09:20 | 2026-09-04 17:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Business purpose cert is in file. - Due Diligence Vendor-09/04/2026 Counter-Received Lender rebuttal. Review of Business Purpose Loan Certificate reveal Borrower answered "N/A" to the statement "Provide the purpose of the cash-out.". Finding remains. - Due Diligence Vendor-09/04/2026 Ready for Review-09/02: A business purpose loan certificate is included on the loan package. Please see page 543. - Seller-09/02/2026 Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-09/02/2026 |
Ready for Review-09/02: A business purpose loan certificate is included on the loan package. Please see page 543. - Seller-09/02/2026 |
Resolved-Business purpose cert is in file. - Due Diligence Vendor-09/04/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.347 Required is 0.75 Borrower has 1.347 Months Reserves exceed minimum required - Credit History = 110 Months Minimum Credit History = 12 Months |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11165917 | ||||
| 1346984 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-01 17:05 | 2026-09-08 11:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-09/03/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller was not included in the OFAC checklist. - Due Diligence Vendor-09/01/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-09/03/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/08/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.274%. Required is 0.75 Borrower has 1.274 Guideline: LTV is less than guideline maximum - Maximum LTV is 80%; Borrower LTV is 60% Required is 80 Borrower has 60 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 620; Borrower has 789. Required is 620 Borrower has 789 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11153490 | |||
| 1346985 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE0140 | 2026-09-02 10:01 | 2026-09-04 13:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator provided a waiver to allow POA with Cash-out, applied to non material finding with comp factors - Due Diligence Vendor-09/04/2026 Ready for Review-Document Uploaded. Uploaded exception - Seller-09/02/2026 Open-DSCR loan does not meet program guidelines. Subject is a refinance cash out , closing with a POA . Per guides- Power of Attorney (POA) is ineligible for Cash-Out Loans. - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. Uploaded exception - Seller-09/02/2026 |
Waived-Originator provided a waiver to allow POA with Cash-out, applied to non material finding with comp factors - Due Diligence Vendor-09/04/2026 |
Months Reserves exceed minimum required - over 3 months in reserves DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1 min .75 |
LLPA with .25 pricing Net proceed must go to borrowers account- Reserves exceed minimum LTV |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 11166880 | ||
| 1346986 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1346988 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1197 | 2026-09-02 16:32 | 2026-09-02 22:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 641 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-09/03/2026 Open-Audited FICO of 641 is less than Guideline FICO of 660 - Due Diligence Vendor-09/02/2026 |
Resolved-Audited FICO of 641 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-09/03/2026 |
DSCR % greater than 1.20 Months Reserves exceed minimum required |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11177724 | |||||
| 1346989 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1346990 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1346991 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349335 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1349336 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1349337 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349338 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-02 10:01 | 2026-09-10 11:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Review. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. Please see uploaded XXXX - Seller-09/08/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller not included on the OFAC checklist. - Due Diligence Vendor-09/02/2026 |
Ready for Review-Document Uploaded. Please see uploaded XXXX - Seller-09/08/2026 |
Resolved-Received Updated Fraud Review. - Due Diligence Vendor-09/10/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 759. Required is 660 Borrower has 759 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11166877 | |||
| 1349340 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349341 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-03 15:21 | 2026-09-14 11:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. - Seller-09/10/2026 Counter-Received Fraud report reflecting seller as XXXX. Sales contract in file reflect Seller as XXXX. Missing broker XXXX also reflected on Sales Contract. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. - Seller-09/08/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller is not included in the OFAC checklist. - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. - Seller-09/10/2026 Ready for Review-Document Uploaded. - Seller-09/08/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/14/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.421%. Required is 0.75 Borrower has 1.421 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 700; Borrower has 731. Required is 700 Borrower has 731 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11204505 | |||
| 1349342 | XXXX | C | B | A | A | A | A | C | B | Closed | FPRO0021 | 2026-09-04 10:39 | 2026-09-10 11:41 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster (Individual) after appraisal without a PDI or 1004D | Resolved-Individual FEMA disaster after appraisal without a PDI or 1004D. Review of appraisal confirm comment dated XXXX no damage due to tropical storm - Due Diligence Vendor-09/10/2026 Ready for Review- Please see page 155 on the loan package. Revision Request asd of XXXX: Based on the Appraiser’s visual observation of the subject property as of the effective date of this appraisal, no readily observable damage attributable to recent tropical storms or other significant storm events affecting the XXXX was noted. The subject appeared to be unaffected by the recent storm activity as of the effective date. This conclusion is based solely on the Appraiser’s visual observations and is not intended to constitute a structural, engineering, roofing, or other specialized property inspection - Seller-09/08/2026 Open-Individual FEMA disaster after appraisal without a PDI or 1004D. XXXX - Major Disaster Declaration declared on XXXX. Please provide PDI dated on or before XXXX that includes photo(s) that reflects no damage caused by the storm. - Due Diligence Vendor-09/04/2026 |
Ready for Review- Please see page 155 on the loan package. Revision Request asd of XXXX: Based on the Appraiser’s visual observation of the subject property as of the effective date of this appraisal, no readily observable damage attributable to recent tropical storms or other significant storm events affecting the XXXX was noted. The subject appeared to be unaffected by the recent storm activity as of the effective date. This conclusion is based solely on the Appraiser’s visual observations and is not intended to constitute a structural, engineering, roofing, or other specialized property inspection - Seller-09/08/2026 |
Resolved-Individual FEMA disaster after appraisal without a PDI or 1004D. Review of appraisal confirm comment dated XXXX no damage due to tropical storm - Due Diligence Vendor-09/10/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70.68 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.092 Required is 0.85 Borrower has 1.092 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11221701 | ||||
| 1349342 | XXXX | C | B | A | A | A | A | C | B | Closed | FPRO0022 | 2026-09-04 10:39 | 2026-09-04 11:50 | Waived | 2 - Non-Material | B | B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Originator waiver applied to non-material finding. - Due Diligence Vendor-09/04/2026 Open-Public FEMA disaster after appraisal without a PDI or 1004D. XXXX - Major Disaster Declaration declared on XXXX. Please provide PDI dated on or before XXXX that includes photo(s) that reflects no damage caused by the storm. - Due Diligence Vendor-09/04/2026 |
Waived-Originator waiver applied to non-material finding. - Due Diligence Vendor-09/04/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70.68 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.092 Required is 0.85 Borrower has 1.092 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 11221702 | |||||
| 1349343 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1349344 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349346 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349347 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-03 17:20 | 2026-09-09 13:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. - Seller-09/04/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller not included in OFAC checklist. - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. - Seller-09/04/2026 |
Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/09/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 790. Required is 660 Borrower has 790 Guideline: LTV is less than guideline maximum - Maximum LTV is 80%; Borrower LTV is 75% Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.00%. Required is 0.75 Borrower has 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11207782 | |||
| 1349348 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349349 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349351 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349352 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1349353 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-09-03 15:16 | 2026-09-10 12:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. - Seller-09/08/2026 Counter-Received Fraud report. All loan participants are not included. Missing Appraiser, Appraisal company, an Settlement company, and Settlement Agent. - Due Diligence Vendor-09/08/2026 Ready for Review-Document Uploaded. - Seller-09/04/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. - Seller-09/08/2026 Ready for Review-Document Uploaded. - Seller-09/04/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-09/10/2026 |
Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 4 months Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11204388 | |||
| 1349353 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0113 | 2026-09-03 16:39 | 2026-09-08 11:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Lender explanation appraisal completed prior to lease starting. - Due Diligence Vendor-09/08/2026 Ready for Review-09/03 - Rebuttal/Comment: per rental/lease agreement the lease starts on XXXX while the Appraisal Report inspected on XXX. at the time of inspection the property is still "Vacant" which makes the Appraisal Report correct - Seller-09/04/2026 Open-Property/Appraisal General (Credit). Appraisal reflect subject is vacant. Lease in file supports the subject is leased. Provide clarification and commentary from the appraiser the subject is tenant occupied. - Due Diligence Vendor-09/03/2026 |
Ready for Review-09/03 - Rebuttal/Comment: per rental/lease agreement the lease starts on XXXX while the Appraisal Report inspected on XXX. at the time of inspection the property is still "Vacant" which makes the Appraisal Report correct - Seller-09/04/2026 |
Resolved-Received Lender explanation appraisal completed prior to lease starting. - Due Diligence Vendor-09/08/2026 |
Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 4 months Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11206643 | ||||
| 1349353 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-09-03 15:14 | 2026-09-03 16:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/03/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing verification of rent for the primary residence. - Due Diligence Vendor-09/03/2026 |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/03/2026 |
Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 4 months Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11204353 | |||||
| 1349354 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-09-04 09:14 | 2026-09-09 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Uploaded XXXX. - Seller-09/04/2026 Open-Third Party Fraud Report Partially Provided Fraud report is missing the seller. - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. Uploaded XXXX. - Seller-09/04/2026 |
Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-09/09/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.151 Required is 0.75 Borrower has 1.151 Months Reserves exceed minimum required - Reserves = 12 months – Required Reserves = 3 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11219508 | |||
| 1349355 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2026-09-03 12:12 | 2026-09-10 17:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Lender is no longer considering Asset #1 - XXXX - in qualifying as acct has been opened < 60 days - Updated 1003 provided. CTC/Reserve requirements still met. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. 09/10: Please see updated Final 1003 removing the checking account. - Seller-09/10/2026 Counter-Received rebuttal. Missing 2nd month statement as required by guidelines. Must meet guideline Assets: Acceptable Asset Statements (Account has to be opened more than 60 days verified with 2 months statements, VOD or printout) - Due Diligence Vendor-09/09/2026 Ready for Review-09/04: June bank statements is not needed. 2 months bank statements is for seasoning only. We only need to confirm if account has to be opened more than 60 days. - Seller-09/04/2026 Open-Asset Record 1 Does Not Meet G/L Requirements per the guidelines, please provide 2 months of bank statements for the checking account. Asset one which is the checking account only reflects on the statements provided for the month of July. - Due Diligence Vendor-09/03/2026 |
Ready for Review-Document Uploaded. 09/10: Please see updated Final 1003 removing the checking account. - Seller-09/10/2026 Ready for Review-09/04: June bank statements is not needed. 2 months bank statements is for seasoning only. We only need to confirm if account has to be opened more than 60 days. - Seller-09/04/2026 |
Resolved-Lender is no longer considering Asset #1 - XXXX - in qualifying as acct has been opened < 60 days - Updated 1003 provided. CTC/Reserve requirements still met. - Due Diligence Vendor-09/10/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805, per the guideline this is acceptable Required is 700 Borrower has 805 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.157 Required is 0.75 Borrower has 1.157 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11199027 | |||
| 1353390 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1353391 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0108 | 2026-09-04 09:24 | 2026-09-15 09:24 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Insurance provider verified sufficient Fidelity Coverage. - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Please see the attached confirmation from the insurance agent confirming the Fidelity Coverage amount. - Seller-09/11/2026 Counter-Received copy of liability coverage reflecting D&O only. Missing confirmation of acceptable Fidelity Coverage - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Uploaded Master Insurance Policy. XXXX is listed as additional insured on Fidelity Bond Policy. - Seller-09/04/2026 Open-Fidelity Coverage not met. Fidelity coverage not listed on Master Policy. Additional findings may apply. - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. Please see the attached confirmation from the insurance agent confirming the Fidelity Coverage amount. - Seller-09/11/2026 Ready for Review-Document Uploaded. Uploaded Master Insurance Policy. XXXX is listed as additional insured on Fidelity Bond Policy. - Seller-09/04/2026 |
Resolved-Insurance provider verified sufficient Fidelity Coverage. - Due Diligence Vendor-09/15/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 800 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.007 Required is 0.75 Borrower has 1.007 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11219963 | |||
| 1353392 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1353393 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1355627 | XXXX | C | A | A | A | A | A | C | A | Closed | FCRE0187 | 2026-09-08 10:24 | 2026-09-17 10:47 | Resolved | 1 - Information | C | A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-After further review, there is no pattern of flipping int he last 12 months, nothing further is required. - Due Diligence Vendor-09/17/2026 Ready for Review-rebuttal/comment: please note that this is not a flip transaction and per guideline a signed letter of acknowledgement from the Borrower is not required - Seller-09/12/2026 Open- Flip transactions are subject to the following: ✓ All transactions must be arm’s length, with no identity of interest between the buyer and the property seller or other parties participating in the sales transaction. ✓ No pattern of previous flipping activity may exist in the last twelve (12) months. Exceptions to ownership transfers may include newly constructed properties, sales by government agencies, properties inherited or acquired through divorce, and sales by the holder of a defaulted loan. ✓ The property was marketed openly and fairly, through a multiple listing service, auction, for sale by owner offering (documented) or developer marketing. ✓ No assignments of the contract to another buyer. ✓ If the property is being purchase for more than 5% above the appraised value, a signed letter of acknowledgement from the Borrower must be obtained. ✓ An additional appraisal product is required: o A Collateral Desktop Analysis (CDA) o A CDA is not required for loans with two (2) appraisals *A Collateral Desktop Analysis (CDA) must be within 10% variance. If variance exceeds 10%. The loan file contains a CDA, but a signed letter of acknowledgement from the Borrower was not found in the loan file. Additional findings may apply. - Due Diligence Vendor-09/08/2026 |
Ready for Review-rebuttal/comment: please note that this is not a flip transaction and per guideline a signed letter of acknowledgement from the Borrower is not required - Seller-09/12/2026 |
Resolved-After further review, there is no pattern of flipping int he last 12 months, nothing further is required. - Due Diligence Vendor-09/17/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.18 Required is 0.75 Borrower has 1.18 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 773 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 70 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11247257 | ||||
| 1355628 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1355629 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1151 | 2026-09-04 13:06 | 2026-09-17 08:23 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. uploaded Commitment Schedule, please see the end of schedule C for XXXX - Seller-09/15/2026 Counter-Received Title. Title does not reflect a 24 month chain of title. Finding remains. - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. - Seller-09/11/2026 Open-Unsatisfactory Chain of Title provided. Chain of Title is missing on title commitment - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. uploaded Commitment Schedule, please see the end of schedule C for XXXX - Seller-09/15/2026 Ready for Review-Document Uploaded. - Seller-09/11/2026 |
Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-09/17/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.075 Required is 0.75 Borrower has 1.075 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 50 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11226873 | |||
| 1355630 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1197 | 2026-09-04 21:41 | 2026-09-16 10:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review, the section of the guidelines for condo with the 680 Fico score is for non-warrantable condos. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. It was converted back in XXXX. We are concerned with newly converted properties within 3 years. See agency guidelines attached. - Seller-09/14/2026 Counter-Received Lender rebuttal. Pending alternate condition to confirm warrantable. Guideline indicate Condo conversion full gut – allowed via full project review. • Condo conversion non- or partial- gut – must be PERs approved.. Min FICO 680 - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. Please be advised that the guideline for Condo Projects: Occupancy = Investment Min FICO 680 is for non-warrantable condo projects. This is not a non-warrantable condo, since the property did not meet the guideline characteristics - Seller-09/10/2026 Counter-Document Uploaded. Received snip of guide., condition remains. per GL page 9/11 Condo Projects: Occupancy = Investment Min FICO 680. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. Please see the uploaded Guideline. Minimum FICO is 640. - Seller-09/08/2026 Open-Audited FICO of 659 is less than Guideline FICO of 680 - Due Diligence Vendor-09/05/2026 |
Ready for Review-Document Uploaded. It was converted back in XXXX. We are concerned with newly converted properties within 3 years. See agency guidelines attached. - Seller-09/14/2026 Ready for Review-Document Uploaded. Please be advised that the guideline for Condo Projects: Occupancy = Investment Min FICO 680 is for non-warrantable condo projects. This is not a non-warrantable condo, since the property did not meet the guideline characteristics - Seller-09/10/2026 Ready for Review-Document Uploaded. Please see the uploaded Guideline. Minimum FICO is 640. - Seller-09/08/2026 |
Resolved-Upon further review, the section of the guidelines for condo with the 680 Fico score is for non-warrantable condos. - Due Diligence Vendor-09/16/2026 |
Guideline: LTV is less than guideline maximum - Required is 60 Borrower has 33.33 Required is 55 Borrower has 33.33 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.9 Required is 0.75 Borrower has 1.641 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11235264 | |||
| 1355630 | XXXX | C | A | C | A | A | A | A | A | Closed | FVAL5524 | 2026-09-08 11:10 | 2026-09-16 10:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Property | Resolved-Upon further review, the section of the guidelines for condo conversion are for non-warrantable condos. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. It was converted back in XXXX. We are concerned with newly converted properties within 3 years. See agency guidelines attached. - Seller-09/14/2026 Counter-Received Lender rebuttal. Review of appraisal indicate Subject complex was converted from a apartments starting in XXXX. - Due Diligence Vendor-09/14/2026 Ready for Review-Could you please confirm on how you were seeing this as Condo conversion non- or partial- gut ? - Seller-09/10/2026 Counter-Received condo questionnaire, however Appraiser Project information states "Subject is a apartment building built in XXXX and converted in XXXX" per GL pg 9/11 Condo projects: Condo conversion : Condo conversion non- or partial- gut – must be PERs approved.. Please provide PERS for review. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. Uploaded HOA Cert - Seller-09/08/2026 Open-Subject property is part of a Condo conversion non- or partial- gut – must be PERs approved per guidelines. Provide Pers or full project review. - Due Diligence Vendor-09/08/2026 |
Ready for Review-Document Uploaded. It was converted back in XXXX. We are concerned with newly converted properties within 3 years. See agency guidelines attached. - Seller-09/14/2026 Ready for Review-Could you please confirm on how you were seeing this as Condo conversion non- or partial- gut ? - Seller-09/10/2026 Ready for Review-Document Uploaded. Uploaded HOA Cert - Seller-09/08/2026 |
Resolved-Upon further review, the section of the guidelines for condo conversion are for non-warrantable condos. - Due Diligence Vendor-09/16/2026 |
Guideline: LTV is less than guideline maximum - Required is 60 Borrower has 33.33 Required is 55 Borrower has 33.33 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.9 Required is 0.75 Borrower has 1.641 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11248315 | |||
| 1355631 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-09-08 09:05 | 2026-09-10 12:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-09/10/2026 Ready for Review-Document Uploaded. Please be advised that for Rate/Term refinance, reserves are waived if: LTV/CLTV ≤ 70% - 0x30x12 on all mortgages. VOR required for Rent. - Living Rent Free allowed with 65% max LTV - Payment on new loan is decreasing - Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, 720 FICO score will be required and no mortgage lates - Seller-09/08/2026 Open-Audited Reserves of 1.76 month(s) are less than Guideline Required Reserves of 3 month(s) Per final CD provided cash to close from borrower is $17,308.10, leaving only 1.76 months post close reserves which is less than 3 months per guidelines. - Due Diligence Vendor-09/08/2026 |
Ready for Review-Document Uploaded. Please be advised that for Rate/Term refinance, reserves are waived if: LTV/CLTV ≤ 70% - 0x30x12 on all mortgages. VOR required for Rent. - Living Rent Free allowed with 65% max LTV - Payment on new loan is decreasing - Current mortgage must be seasoned for at least 4 months - If seasoned for less than 4 months, 720 FICO score will be required and no mortgage lates - Seller-09/08/2026 |
Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-09/10/2026 |
Long term residence - Long Term Residence = 13+ years On time mortgage history exceeds guideline requirement - Mortgage history per VOM 0x30x36 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11245949 | |||
| 1355632 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1355633 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE3599 | 2026-09-04 12:53 | 2026-09-09 13:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Resolved-Received confirmation subject is 4th loan and the 5th property, disclosed is approved with an exception. - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Please note that this property is intended for the borrowers fourth loan within XXXX. The property for XXXX has the exception for fifth but the status is not yet funded (approval status) Please see uploaded - Seller-09/04/2026 Open-Guidelines state Maximum number of XXXX loans allowed to one borrower is 4. The loan application indicates the borrower currently has 4 properties financed with the Lender (properities 3e, 3k, 3l, and 3b). The subject property is the fifth. Additional findings may apply. - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. Please note that this property is intended for the borrowers fourth loan within XXXX. The property for XXXX has the exception for fifth but the status is not yet funded (approval status) Please see uploaded - Seller-09/04/2026 |
Resolved-Received confirmation subject is 4th loan and the 5th property, disclosed is approved with an exception. - Due Diligence Vendor-09/09/2026 |
Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 70 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.099 Required is 0.75 Borrower has 1.099 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11226579 | |||
| 1355634 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1355635 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1355636 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1355637 | XXXX | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2026-09-04 13:02 | 2026-09-22 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Cert and Lender rebuttal. - Due Diligence Vendor-09/11/2026 Ready for Review-Please note that this is a purchase transaction. We only complete the business purpose loan certificate when loan is cash-out refinance transactions. - Seller-09/09/2026 Counter-Received Business purpose Loan Certification and Mortgage. Review of BP Loan Certification did not provide the purpose of the cash-out. Borrower indicated "n/a" for "Provide the purpose of the cash-out". - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Uploaded business purpose and recorded DOT - Seller-09/08/2026 Open-The Business Purpose Affidavit Disclosure is Missing Provide Business Purpose Affidavit. Additional Findings may apply upon receipt. - Due Diligence Vendor-09/04/2026 |
Ready for Review-Please note that this is a purchase transaction. We only complete the business purpose loan certificate when loan is cash-out refinance transactions. - Seller-09/09/2026 Ready for Review-Document Uploaded. Uploaded business purpose and recorded DOT - Seller-09/08/2026 |
Resolved-Received Business Cert and Lender rebuttal. - Due Diligence Vendor-09/11/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.133%. Required is 0.75 Borrower has 1.133 Months Reserves exceed minimum required - 33 months reserves; 3 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11226766 | |||
| 1355637 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE0180 | 2026-09-04 13:35 | 2026-09-09 13:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Received Business Purpose Cert. Review of loan file confirmed Mortgage reflect two witnesses XXXX. - Due Diligence Vendor-09/09/2026 Ready for Review-Document Uploaded. Uploaded executed business purpose disclosure - Seller-09/08/2026 Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Louisiana requires 2 witnesses and they cannot be the notary. Mortgage was signed with only 1 witness. - Due Diligence Vendor-09/04/2026 |
Ready for Review-Document Uploaded. Uploaded executed business purpose disclosure - Seller-09/08/2026 |
Resolved-Received Business Purpose Cert. Review of loan file confirmed Mortgage reflect two witnesses XXXX. - Due Diligence Vendor-09/09/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.133%. Required is 0.75 Borrower has 1.133 Months Reserves exceed minimum required - 33 months reserves; 3 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11227461 | |||
| 1355638 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1358116 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1358117 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1358118 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1358119 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-09-09 07:44 | 2026-09-16 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax was provided. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. - Seller-09/14/2026 Counter-Received Lender rebuttal and Data Regulatory Cert. Document uploaded does not reflect Taxes - Due Diligence Vendor-09/14/2026 Ready for Review-Document Uploaded. per uploaded document, property tax is XXXX monthly - Seller-09/11/2026 Open-Missing Evidence of Property Tax Missing completed Property Tax certificate. - Due Diligence Vendor-09/09/2026 |
Ready for Review-Document Uploaded. - Seller-09/14/2026 Ready for Review-Document Uploaded. per uploaded document, property tax is XXXX monthly - Seller-09/11/2026 |
Resolved-Evidence of Property Tax was provided. - Due Diligence Vendor-09/16/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 741 Required is 660 Borrower has 741 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.643 Required is 0.75 Borrower has 1.643 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11269572 | |||
| 1358120 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1358121 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1358122 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0970 | 2026-09-08 14:22 | 2026-09-11 12:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received update appraisal changing occupancy to tenant. - Due Diligence Vendor-09/11/2026 Ready for Review-Document Uploaded. Please note that the appraisal report that we provided it already shows occupant as Tenant. - Seller-09/09/2026 Open-Please provide corrected page 1 of appraisal. Loan is a DSCR refi. Appraisal provided reflects occupant as "owner". Please correct occupant to reflect "tenant" - Due Diligence Vendor-09/08/2026 |
Ready for Review-Document Uploaded. Please note that the appraisal report that we provided it already shows occupant as Tenant. - Seller-09/09/2026 |
Resolved-Received update appraisal changing occupancy to tenant. - Due Diligence Vendor-09/11/2026 |
Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 67.02 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.322 Required is 0.75 Borrower has 1.322 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11253972 | |||
| 1358123 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1358124 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE7009 | 2026-09-08 11:28 | 2026-09-11 12:44 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-09/11/2026 Ready for Review-Please note that the It shows on the HOI "Dwelling Amount is replacement cost." HOI effective date is prior to funding date (XXXX). - Seller-09/09/2026 Open-Insufficient Coverage Amount for Insured Subject Property. Please provide HOI Dec page or policy for the subject property effective XXXX or prior with Dwelling coverage equal or greater than 80% of the Note amount (XXXX) or provide a RCE produced by insuring company confirming the dwelling coverage provided is sufficient to cover cost to repair. - Due Diligence Vendor-09/08/2026 |
Ready for Review-Please note that the It shows on the HOI "Dwelling Amount is replacement cost." HOI effective date is prior to funding date (XXXX). - Seller-09/09/2026 |
Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-09/11/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.182 Required is 0.75 Borrower has 1.182 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11249554 | ||||
| 1358125 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1360535 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1360536 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1360537 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1360538 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE2244 | 2026-09-10 12:56 | 2026-09-15 09:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Pictures of the carbon monoxide detectors installed were provided. - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. - Seller-09/11/2026 Open-Property Issues are identified for the property Per the appraisal, the required carbon monoxide detectors are not installed. - Due Diligence Vendor-09/10/2026 |
Ready for Review-Document Uploaded. - Seller-09/11/2026 |
Resolved-Pictures of the carbon monoxide detectors installed were provided. - Due Diligence Vendor-09/15/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.15 Required is 0.75 Borrower has 1.15 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 50.24 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11304092 | |||
| 1360539 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-09-10 13:33 | 2026-09-15 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report was provided with the seller included in the search. - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. Uploaded. - Seller-09/11/2026 Open-Third Party Fraud Report Partially Provided Third party fraud report is missing the seller on the Loan Participant Analysis and the OFAC Report list. - Due Diligence Vendor-09/10/2026 |
Ready for Review-Document Uploaded. Uploaded. - Seller-09/11/2026 |
Resolved-Third Party Fraud Report was provided with the seller included in the search. - Due Diligence Vendor-09/15/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.001 Required is 0.75 Borrower has 1.001 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11305402 | |||
| 1360540 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1360541 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1360542 | XXXX | C | B | C | B | A | A | A | A | Closed | FPRO1249 | 2026-09-10 09:24 | 2026-09-15 08:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow rural area. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. - Seller-09/11/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Appraisal indicated property is rural which is ineligible per guidelines. - Due Diligence Vendor-09/10/2026 |
Ready for Review-Document Uploaded. - Seller-09/11/2026 |
Waived-Originator exception granted to allow rural area. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/15/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.243 Required is 0.75 Borrower has 1.243 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 30.23 |
LTV - Required is 80 Borrower has 30.23 FICO - Required is 700 Borrower has 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 11297268 | ||
| 1362723 | XXXX | D | A | D | A | A | A | A | A | Closed | FCOM1351 | 2026-09-11 15:04 | 2026-09-13 22:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-09/14/2026 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing guaranty agreement. - Due Diligence Vendor-09/11/2026 |
Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-09/14/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.677 Required is 0.75 Borrower has 1.677 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11334940 | |||||
| 1362724 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1151 | 2026-09-11 07:12 | 2026-09-15 09:03 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-09/15/2026 Ready for Review-Document Uploaded. - Seller-09/11/2026 Open-Unsatisfactory Chain of Title provided. Please provided 24 months of chain of title. 12 months was provided. - Due Diligence Vendor-09/11/2026 |
Ready for Review-Document Uploaded. - Seller-09/11/2026 |
Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-09/15/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.303 Required is 0.75 Borrower has 1.303 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 698 Required is 640 Borrower has 698 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11322047 | |||
| 1362725 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1362727 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1362728 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1480 | 2026-09-11 11:49 | 2026-09-16 08:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Operating agreement provided for borrowers' business. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded Operating Agreement. - Seller-09/14/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of ownership of the business listed on this asset. Additional findings may apply. - Due Diligence Vendor-09/11/2026 |
Ready for Review-Document Uploaded. Uploaded Operating Agreement. - Seller-09/14/2026 |
Resolved-Operating agreement provided for borrowers' business. - Due Diligence Vendor-09/16/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 Months Reserves exceed minimum required - 3 months needed. Has 223.29 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11329889 | |||
| 1364969 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1364970 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1364971 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1364972 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1364973 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1364974 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1364975 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1364976 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1368641 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-09-15 12:23 | 2026-09-17 08:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements, as a XXXX mortgage statement and property report confirming that the borrower is on title only. - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Uploaded property profile. Per page 5, borrower is on Title only. - Seller-09/16/2026 Counter-Received recording cover pages of affidavit of compliance of smoke detector reflecting b1 is Grantee buyer with a 3rd party. Fraud report reflects primary residence XXXX is subject to loan XXXX, please provide property report, copy of note in support of statement " borrower is on title only" condition remains. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Please see the uploaded Deed. Borrower is on Title Only. - Seller-09/15/2026 Open-Housing History Does Not Meet Guideline Requirements Provide 12 month payment history for borrower's primary residence. Mortgage statement in file reflects there is a mortgage with XXXX. Additional Findings may apply upon receipt. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Uploaded property profile. Per page 5, borrower is on Title only. - Seller-09/16/2026 Ready for Review-Document Uploaded. Please see the uploaded Deed. Borrower is on Title Only. - Seller-09/15/2026 |
Resolved-Housing History Meets Guideline Requirements, as a XXXX mortgage statement and property report confirming that the borrower is on title only. - Due Diligence Vendor-09/17/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 776. Required is 660 Borrower has 776 Guideline: LTV is less than guideline maximum - Maximum LTV is 80%; Borrower LTV is 75% Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11392526 | |||
| 1368641 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-15 12:25 | 2026-09-16 11:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud/XXXX report 941 pass last run 09/15/2026 reflecting Seller in Loan Participant Analysis. - Due Diligence Vendor-09/16/2026 Ready for Review-Document Uploaded. Uploaded updated XXXX. - Seller-09/15/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Seller was not included in the OFAC checklist. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Uploaded updated XXXX. - Seller-09/15/2026 |
Resolved-Received Fraud/XXXX report 941 pass last run 09/15/2026 reflecting Seller in Loan Participant Analysis. - Due Diligence Vendor-09/16/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 660; Borrower has 776. Required is 660 Borrower has 776 Guideline: LTV is less than guideline maximum - Maximum LTV is 80%; Borrower LTV is 75% Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11392550 | |||
| 1368642 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE6910 | 2026-09-15 12:45 | 2026-09-17 08:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower 1 Non-US Citizen Identification Document is present. Foreign Nationals allowed to legally travel to and from the United States without Visa are eligible under the VWP. - Due Diligence Vendor-09/17/2026 Ready for Review-Document Uploaded. Please see the uploaded Visa Waiver Program. Borrower is from XXXX. - Seller-09/15/2026 Open-Borrower 1 Non-US Citizen Identification Document is Missing Foreign National guidelines state a copy of passport, valid Visa, and I-94 required. The loan file contains a passport and I-94, but does not contain a valid Visa. Additional findings may apply. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Please see the uploaded Visa Waiver Program. Borrower is from XXXX. - Seller-09/15/2026 |
Resolved-Borrower 1 Non-US Citizen Identification Document is present. Foreign Nationals allowed to legally travel to and from the United States without Visa are eligible under the VWP. - Due Diligence Vendor-09/17/2026 |
Long term residence - Borrower at current primary for 4 years per loan application. DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.331 Required is 0.75 Borrower has 1.331 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 11393058 | |||
| 1368643 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1455 | 2026-09-15 16:35 | 2026-09-21 10:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-After further review, the assets in XXXX were transferred from XXXX (foreign acct) for funds to close. Two months of XXXX provided and translation. Funds are seasoned. - Due Diligence Vendor-09/21/2026 Ready for Review-Please note that the money was sent from the foreign account XXXX, we have the 2mo bank statements for that account + the translation. - Seller-09/16/2026 Open-Asset 1 Less Than 2 Months Verified Per guides, 2 months bank statements required. XXXX asset in file only has one month. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Please note that the money was sent from the foreign account XXXX, we have the 2mo bank statements for that account + the translation. - Seller-09/16/2026 |
Resolved-After further review, the assets in XXXX were transferred from XXXX (foreign acct) for funds to close. Two months of XXXX provided and translation. Funds are seasoned. - Due Diligence Vendor-09/21/2026 |
Long term residence - Long Term Residence = 4+ years Months Reserves exceed minimum required - Reserves = 4 months – Required Reserves = 3 Months |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11401667 | ||||
| 1368643 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE1232 | 2026-09-15 16:39 | 2026-09-18 12:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator provided a waiver to accept lower DSCR , applied to non material finding with comp factors - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-09/16/2026 Open-The Calculated DSCR of '1.114' is less than the minimum DSCR per lender guidelines of '1.15'. Per guidelines, minimum DSCR for STR is 1.15%. - Due Diligence Vendor-09/15/2026 |
Ready for Review-Document Uploaded. Please see uploaded exceptions. - Seller-09/16/2026 |
Waived-Originator provided a waiver to accept lower DSCR , applied to non material finding with comp factors - Due Diligence Vendor-09/18/2026 |
Long term residence - Long Term Residence = 4+ years Months Reserves exceed minimum required - Reserves = 4 months – Required Reserves = 3 Months |
LLPA pricing 0.125 LTV |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 11401731 | ||
| 1368645 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1368646 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1368647 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1368648 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||||
| 1368649 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1368650 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1371056 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-09-16 15:59 | 2026-09-22 10:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received evidence of August Payment. - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. Please see the uploaded document. - Seller-09/18/2026 Counter-Received Lender rebuttal. Review of 1003 indicate borrower at primary 1 year. The reflected funds appear to be deposit and 1st month rent and not funds applied to 2 months to start ahead. Lender to provide lease to document or proof of additional month payment. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. The XXXX account shows a check of $13,466.66 (page #119 of the attached document) to XXXX, who is the lender listed on the Note. Based on the canceled check, $10,000 were applied toward the principal balance, while the remaining $3,466.66 covered two monthly mortgage payments: August and September. Because of this, the borrower was consistently one payment ahead. The June payment was made on 05/26, which was before it was due. The $3,466.66 payment made on 07/06 covered both the July and August payments. Based on the payment history provided, the mortgage does not show any late payments. - Seller-09/16/2026 Open-Housing History Does Not Meet Guideline Requirements. Missing the August payment for the primary residence. (private mortgage with XXXX). - Due Diligence Vendor-09/16/2026 |
Ready for Review-Document Uploaded. Please see the uploaded document. - Seller-09/18/2026 Ready for Review-Document Uploaded. The XXXX account shows a check of $13,466.66 (page #119 of the attached document) to XXXX, who is the lender listed on the Note. Based on the canceled check, $10,000 were applied toward the principal balance, while the remaining $3,466.66 covered two monthly mortgage payments: August and September. Because of this, the borrower was consistently one payment ahead. The June payment was made on 05/26, which was before it was due. The $3,466.66 payment made on 07/06 covered both the July and August payments. Based on the payment history provided, the mortgage does not show any late payments. - Seller-09/16/2026 |
Resolved-Received evidence of August Payment. - Due Diligence Vendor-09/22/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 807 Required is 660 Borrower has 807 Guideline: LTV is less than guideline maximum - Required is 75 Borrower has 63 Required is 75 Borrower has 63 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11429333 | |||
| 1371057 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1371058 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1371059 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1371060 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1371062 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE8702 | 2026-09-15 16:13 | 2026-09-23 10:49 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-After further review - Per guidelines, title vesting may be in a LLC as long as the borrower(s) have 100% ownership interest and it is documented by the organization documentation. Operating agreement in file documents 100% ownership and there is no added requirements of an EIN or Certificate of Good Standing. - Due Diligence Vendor-09/23/2026 Counter-Received Operating agreement effective XXXX, please provide evidence the entity is active. - Due Diligence Vendor-09/22/2026 Ready for Review-rebuttal/comment: Per guideline, there is no requiring of EIN and Certificate of Good Standing. Also the submitted Operating Agreement already reflect ownership percentage. - Seller-09/18/2026 Counter-Received Operating Agreement. Missing documentation that the entity is active and in good standing. - Due Diligence Vendor-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/16/2026 Open-The Business Entity Formation Document is incomplete Vested entity on title. Please provide Articles of Organization filings and documentation that the entity is active and in good standing. Additional conditions may apply, pending review. - Due Diligence Vendor-09/15/2026 |
Ready for Review-rebuttal/comment: Per guideline, there is no requiring of EIN and Certificate of Good Standing. Also the submitted Operating Agreement already reflect ownership percentage. - Seller-09/18/2026 Ready for Review-Document Uploaded. - Seller-09/16/2026 |
Resolved-After further review - Per guidelines, title vesting may be in a LLC as long as the borrower(s) have 100% ownership interest and it is documented by the organization documentation. Operating agreement in file documents 100% ownership and there is no added requirements of an EIN or Certificate of Good Standing. - Due Diligence Vendor-09/23/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 765 On time mortgage history exceeds guideline requirement - Borrower has 0x30 since 12/2021 on primary |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11401015 | |||
| 1372821 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1372822 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE0970 | 2026-09-16 12:10 | 2026-09-29 11:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received rebuttal. Confirmed subject has been tenant occupied since 12/2025. - Due Diligence Vendor-09/29/2026 Ready for Review-The subject unit is tenant-occupied as required by DSCR (please refer to page 1 under "subject" section), the unit is rented to tenant & the rest of the building - owners live there, makes the project low-risk and fully warrantable. - Seller-09/25/2026 Counter-Subject loan was approved as a DSCR investment property. Please have the discrepancy addressed as a DSCR cannot be owner occupied. - Due Diligence Vendor-09/22/2026 Ready for Review-The project was reviewed as a Limited Review. As owner-occupancy is not a Limited Review eligibility requirement and there are no investor concentration concerns identified in the file, the discrepancy does not impact project eligibility. - Seller-09/21/2026 Counter-Received explanation, however subject transaction is refinance of investment property, therefore questionnaire stating all units are owner occupied is a discrepancy . Please verify and correct. - Due Diligence Vendor-09/21/2026 Ready for Review-Although a full review questionnaire was received, the project was reviewed as a Limited Review. Investor concentration is not a concern, as the file does not indicate any investor concentration issues and the maximum allowed is 50%. Furthermore, the project was built in XXXX, and we have no evidence that XXXX exposure in the project meets or exceeds 20%. - Seller-09/18/2026 Open-Appraisal and condo questionnaire state all 78 units in condo project are owner occupied. - Due Diligence Vendor-09/16/2026 |
Ready for Review-The subject unit is tenant-occupied as required by DSCR (please refer to page 1 under "subject" section), the unit is rented to tenant & the rest of the building - owners live there, makes the project low-risk and fully warrantable. - Seller-09/25/2026 Ready for Review-The project was reviewed as a Limited Review. As owner-occupancy is not a Limited Review eligibility requirement and there are no investor concentration concerns identified in the file, the discrepancy does not impact project eligibility. - Seller-09/21/2026 Ready for Review-Although a full review questionnaire was received, the project was reviewed as a Limited Review. Investor concentration is not a concern, as the file does not indicate any investor concentration issues and the maximum allowed is 50%. Furthermore, the project was built in XXXX, and we have no evidence that XXXX exposure in the project meets or exceeds 20%. - Seller-09/18/2026 |
Resolved-Received rebuttal. Confirmed subject has been tenant occupied since 12/2025. - Due Diligence Vendor-09/29/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680; Borrower has 750. Months Reserves exceed minimum required - 69 months reserves; 6 months reserves required. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11421605 | ||||
| 1372822 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE4805 | 2026-09-16 11:03 | 2026-09-22 10:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received confirmation final trust document and no addendums. - Due Diligence Vendor-09/22/2026 Ready for Review-The Trust Certification is fully executed and was used at closing. The blank sections were intentionally left blank, as no edits, clarifications, amendments, or alterations were applicable. The document is complete as executed and should satisfy the trust documentation requirement. - Seller-09/21/2026 Counter-Received incomplete trust several blank lines, please provide complete Trust Agreement without blank lines and recorded or Trust Cert used within closin - Due Diligence Vendor-09/21/2026 Ready for Review-Document Uploaded. Uploaded - Seller-09/17/2026 Open-Trust/POA Does Not Meet Guideline Requirements Trust is missing from file. - Due Diligence Vendor-09/16/2026 |
Ready for Review-The Trust Certification is fully executed and was used at closing. The blank sections were intentionally left blank, as no edits, clarifications, amendments, or alterations were applicable. The document is complete as executed and should satisfy the trust documentation requirement. - Seller-09/21/2026 Ready for Review-Document Uploaded. Uploaded - Seller-09/17/2026 |
Resolved-Received confirmation final trust document and no addendums. - Due Diligence Vendor-09/22/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680; Borrower has 750. Months Reserves exceed minimum required - 69 months reserves; 6 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 11418741 | |||
| 1372823 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1205 | 2026-09-18 09:51 | 2026-09-25 12:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/25/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/23/2026 Counter-Received fraud report reflecting only seller 1. Missing Seller 2 XXXX - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/19/2026 Open-OFAC Check Not Completed and/or Cleared for the Seller. - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/23/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/19/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/25/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.338 Required is 0.75 Borrower has 1.338 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11472150 | |||
| 1372823 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-18 09:51 | 2026-09-25 12:09 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/25/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/23/2026 Counter-Received fraud report reflecting only seller 1. Missing Seller 2 XXXX - Due Diligence Vendor-09/22/2026 Ready for Review-Please see uploaded updated XXXX. - Seller-09/19/2026 Open-All Interested Parties Not Checked with Exclusionary Lists for the Seller. - Due Diligence Vendor-09/18/2026 |
Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/23/2026 Ready for Review-Please see uploaded updated XXXX. - Seller-09/19/2026 |
Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/25/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.338 Required is 0.75 Borrower has 1.338 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11472151 | |||
| 1372824 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1372825 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-09-17 11:11 | 2026-09-22 11:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. - Seller-09/18/2026 Open-Missing Flood Certificate Flood Cert is missing - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. - Seller-09/18/2026 |
Resolved-Received flood cert - Due Diligence Vendor-09/22/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.127 Required is 0.75 Borrower has 1.127 Guideline: LTV is less than guideline maximum - Required is 80 Borrower has 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11446584 | |||
| 1376286 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1376290 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1205 | 2026-09-17 15:43 | 2026-09-25 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/25/2026 Ready for Review-Document Uploaded. Please see updated XXXX. - Seller-09/23/2026 Counter-Received fraud report reflecting seller 1. Missing seller 2, XXXX reflecting within loan participant search - Due Diligence Vendor-09/22/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/19/2026 Open-OFAC Check Not Completed and/or Cleared for the Seller. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. Please see updated XXXX. - Seller-09/23/2026 Ready for Review-Document Uploaded. Please see uploaded updated XXXX. - Seller-09/19/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/25/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.153 Required is 0.85 Borrower has 1.153 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11456019 | |||
| 1376290 | XXXX | C | A | C | A | A | A | A | A | Closed | FCRE1206 | 2026-09-17 15:43 | 2026-09-25 11:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/25/2026 Ready for Review-Document Uploaded. Please see updated XXXX. - Seller-09/23/2026 Counter-Received fraud report reflecting seller 1. Missing seller 2, XXXX reflecting within loan participant search - Due Diligence Vendor-09/22/2026 Ready for Review-Please see uploaded updated XXXX. - Seller-09/19/2026 Open-All Interested Parties Not Checked with Exclusionary Lists for the Seller. - Due Diligence Vendor-09/17/2026 |
Ready for Review-Document Uploaded. Please see updated XXXX. - Seller-09/23/2026 Ready for Review-Please see uploaded updated XXXX. - Seller-09/19/2026 |
Resolved-Received Updated Fraud Report - Due Diligence Vendor-09/25/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.153 Required is 0.85 Borrower has 1.153 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11456020 | |||
| 1378106 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1378107 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1378110 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1388002 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1388003 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1388007 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1391798 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1391799 | XXXX | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2026-09-25 09:38 | 2026-09-29 10:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report including seller ran through exclusionary lists including OFAC. - Due Diligence Vendor-09/29/2026 Ready for Review-Document Uploaded. Please see attached copy of the updated fraud report. Thank you. - Seller-09/25/2026 Open-Third Party Fraud Report Partially Provided OFAC does not include Seller. Please add Seller and provide updated OFAC results. Additional findings may apply. - Due Diligence Vendor-09/25/2026 |
Ready for Review-Document Uploaded. Please see attached copy of the updated fraud report. Thank you. - Seller-09/25/2026 |
Resolved-Received Fraud Report including seller ran through exclusionary lists including OFAC. - Due Diligence Vendor-09/29/2026 |
Long term residence - Borrower in primary residence > 7 yrs DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.41 Required is 0.75 Borrower has 1.41 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 11601023 | |||
| 1393634 | XXXX | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-09-28 16:55 | 2026-10-05 11:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator provided a waiver for borrower having 80% interest, title vesting may be in a Limited Liability Company (LLC) as long as the borrower(s) have 100% ownership interest, applied to non material finding with comp factors - Due Diligence Vendor-10/05/2026 Ready for Review-Document Uploaded. Please note we have uploaded management exception. - Seller-10/01/2026 Counter-Snip of a guidelines provided, however the loan was reviewed to XXXX. (Application Date is XXXX). Please provide a management approved exception. - Due Diligence Vendor-10/01/2026 Ready for Review-Document Uploaded. Please note that per underwriter, we had an update in our guidelines for XXXX that allow for vesting in LLC when borrower is not 100% owner. ( Uploaded updated guidelines ) - Seller-09/29/2026 Open-Guidelines state for vesting - Title vesting may be in a Limited Liability Company (LLC) as long as the borrower(s) have 100% ownership interest and it is documented by the organization documentation. The Operating Agreement indicates that the borrower is 80% owner. Additional findings may apply. - Due Diligence Vendor-09/28/2026 |
Ready for Review-Document Uploaded. Please note we have uploaded management exception. - Seller-10/01/2026 Ready for Review-Document Uploaded. Please note that per underwriter, we had an update in our guidelines for XXXX that allow for vesting in LLC when borrower is not 100% owner. ( Uploaded updated guidelines ) - Seller-09/29/2026 |
Waived-Originator provided a waiver for borrower having 80% interest, title vesting may be in a Limited Liability Company (LLC) as long as the borrower(s) have 100% ownership interest, applied to non material finding with comp factors - Due Diligence Vendor-10/05/2026 |
Months Reserves exceed minimum required - 3 months reserves required / Borrower reserves > 90 months DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.85 Borrower has 1.023 Required is 0.85 Borrower has 1.023 |
Reserves 90.97 >3 months required DSCR 1.023 > 0.85 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 11636550 | ||
| 1397650 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1399973 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| 1405345 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||||
| 1405348 | XXXX | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |