EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.03 - Schedule 2

 

Loan ID Seller Loan ID Investor Loan ID Seller Name Loan Program Documentation Type Executed NOO Docs in File Lease In Place Flag Actual In Place Rent Third Party Market Rent Estimate Third Party Rent Source Actual Short Term Rent Amount Actual Short Term Rent Source Short Term Rent Number of Months Short Term Rental Occupancy Factor Rental Income Used for Property DSCR Calculation Rental Source for Property DSCR Calculation DSCR Calculation Based On Short Rental Income Flag Property DTI Originator DSCR TPR DSCR PITIA Gross Rental Income Unit 1 Lease End Date Unit 1 Lease Term Unit 1 Gross Rental Income Unit 2 Lease End Date Unit 2 Lease Term Unit 2 Gross Rental Income Unit 3 Lease End Date Unit 3 Lease Term Unit 3 Gross Rental Income Unit 4 Lease End Date Unit 4 Lease Term Unit 4 Gross Rental Income Unit 5 Lease End Date Unit 5 Lease Term Unit 5 Gross Rental Income Unit 6 Lease End Date Unit 6 Lease Term Unit 6 Gross Rental Income Unit 7 Lease End Date Unit 7 Lease Term Unit 7 Gross Rental Income Unit 8+ Rent Loss Insurance Rent Loss Insurance Amount Fee Amount Acquisition Cost Renovation Cost Effective Gross Income Turnover Costs Repairs and Maintenance Marketing and Leasing Costs Utilities Other Costs Cap Ex Reserve Section 8 Blanket Mortgage/Cross Collateral Flag Number of Years Property Owned Number of Mortgaged Properties With Lender Number of Properties Securing Loan Foreign National Alternative Credit Documentation Months Reserves Loan Closed in the name of Business Entity Vested Business Entity Name Vested Business Entity Type Qualifying Primary Borrower Type Qualifying Primary Borrower First Name Qualifying Primary  Borrower  Last Name Qualifying CoBorrower Type Qualifying CoBorrower First Name Qualifying CoBorrower Last Name Qualifying CoBorrower 2 Type Qualifying CoBorrower 2 First Name Qualifying CoBorrower 2 Last Name Qualifying CoBorrower 3 Type Qualifying CoBorrower 3 First Name Qualifying CoBorrower 3 Last Name Non-Qualifying Guarantor 1 First Name Non-Qualifying Guarantor 1 Last Name Non-Qualifying Guarantor 1 Citizenship Non-Qualifying Guarantor 1 Country Name Non-Qualifying Guarantor 2 First Name Non-Qualifying Guarantor 2 Last Name Non-Qualifying Guarantor 2 Citizenship Non-Qualifying Guarantor 2 Country Name Personal Guaranty Total Number of Guarantors Personal Guaranty Recourse Level Business Entity EIN
2179968     xxx xxx 2YR Full Doc Present No                   No   N/A 0 xxx                                                   xxx 0                 No 0.0 1 1 N/A 96.05 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx Individual Guarantor xxx xxx                             Yes 2 Full Recourse xxx
2199559     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 51.23 1.53 1.952 xxx                                                     0 xxx             No No 6.7 1 1 N/A 205.46 No     Vested Individual xxx xxx                                     0    
2204770     xxx xxx 12 Month Bank Statement Present No                   No     0 xxx                                                   xxx 0                 No 0.5 1 1 N/A 11.74 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2200792     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 92.14 1.085 1.085 xxx                                                 0 0 0 xxx 0 0 0 0 0 0 No No 0.0 1 1 N/A 4.6 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2200790     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Short Term Rental xxx Airbnb 12   xxx Airbnb Yes 78.47 1.274 1.274 xxx                                                   0 0 xxx             No No 3.3 1 1 N/A 90.73 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2200789     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 72.31 1.383 1.383 xxx                                                       xxx             No No 0.0 1 1 N/A 65.95 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2201822     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 90.79 1.1 1.101 xxx xxx xxx 12                                                 xxx             No No 5.3 2 1 N/A 39.64 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2200791     xxx xxx 2YR Full Doc Present No                   No   N/A 0 xxx                                                   xxx 0                 No 0.0 1 1 N/A 51.86 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx Individual Guarantor xxx xxx                             Yes 2 Full Recourse xxx
2203826     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Actual In Place Rent No 115.18 1.006 1.006 xxx xxx xxx 12                                           0     xxx 0 0 0 0 0 0 No No 6.6 1 1 N/A 30.92 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2207215     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1025   N/A     xxx Appraisal - 1025 No 52.63 1.9 1.9 xxx                                                       xxx             No No 0.0 1 1 N/A 259.11 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2201825     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Actual In Place Rent No 89.78 1.114 1.114 xxx xxx xxx 1                                           0     xxx 0 0 0 0 0 0 No No 17.2 1 1 N/A 90.08 No     Vested Individual xxx xxx                                   N/A 0    
2206780     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Actual In Place Rent No 95.67 1.045 1.045 xxx xxx xxx 12                                           0   0 xxx 0 0 0 0 0 0 No No 0.0 1 1 N/A 548.1 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2207216     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 99.65 1.004 1.004 xxx xxx xxx 12                                           0   0 xxx 0 0 0 0 0 0 No No 0.0 1 1 N/A 474.24 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2206922     xxx xxx Full Documentation Present No                   No   N/A 0 xxx                                                     0                 No 0.0 1 1 N/A 15.4 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2201823     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 87.48 1.143 1.143 xxx                                                   0 0 xxx             No No 0.0 1 1 N/A 99.56 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse  
2203828     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1025   N/A     xxx Appraisal - 1025 No 67.47 1.482 1.482 xxx xxx xxx 12 xxx xxx 12                                       xxx 0 xxx             No No 1.6 1 1 N/A 102.43 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2203827     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Short Term Rental xxx Other 12   xxx Other Yes 90.15 1.21 1.109 xxx                                                   xxx 0 xxx             No No 2.6 1 1 N/A 96.93 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2203825     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 69.94 1.43 1.43 xxx                                                       xxx             Yes No 0.0 1 1 N/A 6.76 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2206777     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 60.12 1.633 1.663 xxx xxx xxx 12                                             xxx   xxx             No No 0.5 1 1 N/A 138.37 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2211622     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 63.98 1.56 1.563 xxx                                                 0 xxx 0 xxx 0 0 0 0 0 0 No No 0.0 1 1 N/A 288.35 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2216697     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 99.18 1.008 1.008 xxx                                                   xxx 0 xxx             No No 1.7 1 1 N/A 121.12 No     Vested Individual xxx xxx                                   N/A 0 N/A  
2210569     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1025   N/A     xxx Appraisal - 1025 No 57.22 1.748 1.748 xxx                                                 0 0 0 xxx 0 0 0 0 0 0 No No 4.5 1 1 N/A 92.47 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2216694     xxx xxx Debt Service Coverage Ratio Present No 0 xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 95.45 1.047 1.048 xxx                                                 0     xxx 0 0 0 0 0 0 No No 0.2 1 1 N/A 7.01 No     Vested Individual xxx xxx                                   N/A 0 Full Recourse  
2206923     xxx xxx Full Documentation Present No                   No   N/A 0 xxx                                                   xxx 0                 No 0.0 1 1 N/A 30.14 No     Vested Individual xxx xxx Vested Individual xxx xxx                             N/A 0 N/A  
2210568     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Actual In Place Rent No 67.22 1.488 1.488 xxx xxx xxx 12                                                 xxx             No No 3.8 1 1 N/A 78.48 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2206918     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1025   N/A     xxx Appraisal - 1025 No 58.81 1.7 1.7 xxx 0 xxx 1 xxx xxx 12                                       0 0 xxx             No No 2.8 1 1 N/A 80.57 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                     1   xxx
2206919     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 56.56 1.768 1.768 xxx xxx xxx 12                                                 xxx             No No 3.9 1 1 N/A 92.29 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2206920     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Actual In Place Rent No 71.99 1.389 1.389 xxx xxx xxx 12                                             0   xxx             No No 2.8 1 1 N/A 86.76 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2206921     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Actual In Place Rent No 84.7 1.181 1.181 xxx xxx xxx 12                                           0 xxx 0 xxx 0 0 0 0 0 0 No No   1 1 N/A 69.76 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx
2211638     xxx xxx Debt Service Coverage Ratio Present Yes xxx xxx Appraisal - 1007   N/A     xxx Appraisal - 1007 No 78.35 1.23 1.276 xxx xxx xxx 12                                             xxx   xxx             No No 0.5 1 1 N/A 33.58 Yes xxx Limited Liability Corporation (LLC) Individual Guarantor xxx xxx                                   Yes 1 Full Recourse xxx