EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.04 - Schedule 2

 

Loan ID Redaction ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Questionnaire Flag HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Co Borrower 2 FICO Most Recent Co Borrower 3 FICO Updated Credit Report Flag Updated Credit Report Date Updated FICO Method Primary Wage Earner Updated FICO Equifax Primary Wage Earner Updated FICO Experian Primary Wage Earner Updated FICO Transunion Secondary Wage Earner Updated FICO Equifax Secondary Wage Earner Updated FICO Experian Secondary Wage Earner Updated FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Updated Primary Borrower FICO Updated Co Borrower FICO Updated Co Borrower 2 FICO Updated Co Borrower 3 FICO Updated Qualifying FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Lates 30d in 0-12m Prior Mortgage/Rent Lates 60d in 0-12m Prior Mortgage/Rent Lates 90d in 0-12m Prior Mortgage/Rent Lates 120d+ in 0-12m Prior Mortgage/Rent Lates 30d in 13-24m Prior Mortgage/Rent Lates 60d in 13-24m Prior Mortgage/Rent Lates 90d in 13-24m Prior Mortgage/Rent Lates 120d+ in 13-24m Prior Mortgage/Rent Late 30d in 24m Prior Mortgage/Rent Late 60d in 24m Prior Mortgage/Rent Late 90d in 24m Has ACH Is Equity Shared Loan Subordinate Lien Type Subordinate Lien Max Draw Amount (HELOC) Subordinate Lien 2 Type Subordinate Lien 2 Max Draw Amount (HELOC) Subordinate Lien 3 Type Subordinate Lien 3 Max Draw Amount (HELOC) Is Shared Appreciation Mortgage ITIN Flag Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Leasehold Lease Expiration Date Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves (ASF) Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag E-Note Flag O&E in lieu of Title Insurance Business Purpose Flag Borrower Note Executed As Co Borrower Note Executed As Co Borrower 2 Note Executed As Co Borrower 3 Note Executed As Borrower 1 Trust Name Borrower 2 Trust Name Borrower 3 Trust Name Borrower 4 Trust Name Delayed Financing Flag Title Company Name Settlement Agent Company Neighborhood Location Gift Funds Gift Funds Percentage of Total Funds Required
XXXX 2177011 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     6.999%   XXXX Yes 18.000% XXXX XXXX $1,626.96 $135.58 $0.00 $0.00 $0.00 $960.54   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.197 1.19   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 11/21/2025 11/21/2025 12/11/2025     725                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No Unknown N/A XXXX 0.0 XXXX 90.3 No 76.34 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A         No   XXXX Suburban No  
XXXX 2177018 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.500%   XXXX Yes 18.000% XXXX XXXX $2,109.00 $175.75 $0.00 $0.00 $0.00 $2,153.60   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.3 1.3   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 02/23/2026 02/23/2026 02/23/2026     806                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No Unknown N/A XXXX 0.0 XXXX 79.1 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A         No   XXXX Suburban No  
XXXX 2177019 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.500%   XXXX Yes 18.000% XXXX XXXX $2,109.00 $175.75 $0.00 $0.00 $0.00 $2,147.45   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.304 1.3   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 02/23/2026 02/23/2026 02/23/2026     806                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No Unknown N/A XXXX 0.0 XXXX 79.5 No 80.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A         No   XXXX Suburban No  
XXXX 2176975 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     6.999%   XXXX Yes 18.000% XXXX XXXX $1,681.56 $140.13 $0.00 $0.00 $0.00 $2,736.35   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.297 1.29   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 01/23/2026 01/23/2026 01/23/2026     728                 No                                       NA     0       0     0     0   1 0 0 0         1 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A XXXX 0.0 XXXX 98.1 No 75.0 N/A No No Yes Borrower As Individual Borrower As Individual N/A N/A         No   XXXX Urban No  
XXXX 2177009 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.375%   XXXX Yes 18.000% XXXX XXXX $1,775.40 $147.95 $0.00 $0.00 $0.00 $1,122.06   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.159 1.15   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/17/2026 03/17/2026       775                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 0.0 XXXX 41.6 No 80.0 N/A No No Yes Borrower As Individual N/A N/A N/A         No   XXXX Suburban No  
XXXX 2177000 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No   $281.25 6.990%   XXXX Yes 18.000% XXXX XXXX $3,115.92 $259.66 $0.00 $0.00 $0.00 $2,281.47   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.04 1.04   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/30/2026 03/30/2026 03/30/2026     782                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A XXXX 0.0 XXXX 92.8 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A         No   XXXX Urban No  
XXXX 2177002 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.125%   XXXX Yes 18.000% XXXX XXXX $1,600.80 $133.40 $0.00 $0.00 $0.00 $3,177.75   N/A     $0.00     0.00% 0.00% 0.00% Yes Yes             Unknown Unknown         Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No   0 0 0.00%         0       0   0 No 0   0 0     0 0   Yes 1.07 1.06   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified || Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 02/09/2026 02/09/2026 02/09/2026     724                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A XXXX 0.0 XXXX 25.5 No 75.0 N/A No No Yes Member on Behalf of Entity Member on Behalf of Entity N/A N/A         No   XXXX Urban No  
XXXX 2177006 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.999%   XXXX Yes 18.000% XXXX XXXX $1,906.92 $158.91 $0.00 $0.00 $83.34 $1,307.84   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.128 1.12   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 01/20/2026 01/20/2026       702                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Lease Hold XXXX No Unknown N/A XXXX 11.6 XXXX 38.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No   XXXX Suburban No  
XXXX 2177013 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.500%   XXXX Yes 18.000% XXXX XXXX $1,896.72 $158.06 $0.00 $0.00 $0.00 $3,173.50   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.197 1.19   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/16/2026 03/16/2026       773                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A XXXX 7.9 XXXX 27.0 No 80.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No   XXXX Suburban No  
XXXX 2176995 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     6.990%   XXXX Yes 18.000% XXXX XXXX $681.48 $56.79 $4,296.00 $358.00 $0.00 $1,942.04   Yes XXXX XX $358.00   Monthly 0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.03 1.01   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 03/18/2026 03/18/2026       806                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A XXXX 0.0 XXXX 21.2 No 75.0 Yes No No Yes Member on Behalf of Entity N/A N/A N/A         No   XXXX Suburban No  
XXXX 2177014 XXXX XXXX XXXX XXXX No XXXX XXXX 01/28/2026 25 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.990%   XXXX Yes 18.000% XXXX XXXX $1,985.04 $165.42 $0.00 $0.00 $0.00 $1,222.49   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.227 1.22   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 02/20/2026 02/20/2026       699                 No                                       NA     0       0     0     0                         Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 633.1 XXXX 669.9 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No   XXXX Suburban No  
XXXX 2200801 XXXX XXXX XXXX XXXX No XXXX XXXX 10/24/2025 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 11795 07/27/2026 6.640% Manual Underwriting Manual Underwriting No 7.791%   7.490%   XXXX No   XXXX XXXX $1,647.36 $137.28 $0.00 $0.00 $0.00 $6,640.62 $44,311.38 N/A     $0.00     0.00% 15.93% 15.93% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 90.00%     N/A 0 N/A       Yes 42 No   NA 0 0 N/A     0   No 0     Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 XXXX XXXX XX XXXX XXXX 07/06/2026 07/06/2026       714                 No                                       NA     0       0     0     0                         Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 45.2 XXXX 45.2 No 85.0 N/A No No No Borrower As Individual N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2206757 XXXX XXXX XXXX XXXX No XXXX XXXX 11/01/2025 5 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     8.000%   XXXX No   XXXX XXXX $2,259.12 $188.26 $0.00 $0.00 $0.00 $3,396.21   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.354 1.35   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/07/2026 07/07/2026       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A XXXX 586.8 XXXX 42.8 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX   Suburban No  
XXXX 2206765 XXXX XXXX XXXX XXXX No XXXX XXXX 07/25/2025 2 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     8.000%   XXXX No   XXXX XXXX $2,400.24 $200.02 $0.00 $0.00 $0.00 $3,411.06   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.349 1.29   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/07/2026 07/07/2026       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A XXXX 573.1 XXXX 42.3 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2206756 XXXX XXXX XXXX XXXX No XXXX XXXX 07/25/2025 2 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     8.000%   XXXX No   XXXX XXXX $2,241.72 $186.81 $0.00 $0.00 $0.00 $3,397.83   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.354 1.29   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/07/2026 07/07/2026       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 531.5 XXXX 42.7 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2206758 XXXX XXXX XXXX XXXX No XXXX XXXX 07/25/2025 2 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     8.000%   XXXX No   XXXX XXXX $2,167.56 $180.63 $0.00 $0.00 $0.00 $3,389.17   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.357 1.29   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/07/2026 07/07/2026       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 532.9 XXXX 42.8 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2206759 XXXX XXXX XXXX XXXX No XXXX XXXX 07/25/2025 2 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     8.000%   XXXX No   XXXX XXXX $2,259.12 $188.26 $0.00 $0.00 $0.00 $3,396.80   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.354 1.35   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/07/2026 07/07/2026       684                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 586.7 XXXX 42.7 No 70.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2200802 XXXX XXXX XXXX XXXX No XXXX XXXX 10/24/2025 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 11160 06/22/2026 6.490% Manual Underwriting   No 7.381%   7.125% 7.125% XXXX No   XXXX XXXX $2,478.84 $206.57 $0.00 $0.00 $0.00 $5,644.10 $28,852.10 N/A     $0.00     0.00% 37.00% 37.00% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes N/A 0 12 No       100.00% 100.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2026 Borrower - 2025, 2026 XXXX XXXX XX XXXX XXXX 06/19/2026 06/19/2026       688                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 32.2 XXXX 32.2 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2207089 XXXX XXXX XXXX XXXX No XXXX XXXX 11/01/2025 5 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 1590 08/17/2026 6.710% Manual Underwriting Manual Underwriting No 7.195%   7.125% 7.125% XXXX No   XXXX XXXX $2,034.36 $169.53 $0.00 $0.00 $0.00 $4,410.76 $11,943.89 N/A     $0.00     0.00% 33.84% 33.84% No No             Self-Employed Employed         12 Month Bank Statement 0 1 NA 1 Month N/A 0 N/A 0 0 0 0 0 1 1 NA NA No No 0 No Yes Yes 0 12 No Yes 0 0 56.82% 30.00% 0.00% Stocks/Bonds N/A 0 N/A N/A N/A 0 Yes 13 No 0 Yes 11 11 FNMA 1005 Yes 109 109 Work Number No 0   N/A Borrower - SEPartnership - CPA Letter Verified, Written VOE Verified, Business Bank Statements Verified - 2025, 2026 || Co Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 Borrower - 2025, 2026 || Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2025, 2026 XXXX XXXX XX XXXX XXXX 07/07/2026 07/07/2026 07/07/2026     728                 No                                       NA     0       0     0     0                         Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A     US Citizen US Citizen N/A       XXXX       N/A                                                         Fee Simple   No No N/A XXXX 18.8 XXXX 18.8 No 80.0 N/A No No No Borrower As Individual Borrower As Individual N/A N/A         No XXXX XXXX Suburban No 14.29
XXXX 2215385 XXXX XXXX XXXX XXXX No XXXX XXXX 08/04/2026 16 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     6.875%   XXXX Yes 20.000% XXXX XXXX $8,755.08 $729.59 $0.00 $0.00 $0.00 $5,843.88   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.027 1.027   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/31/2026 07/31/2026       764                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 0.0 XXXX 58.4 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2215388 XXXX XXXX XXXX XXXX No XXXX XXXX 08/04/2026 16 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No   $0.00 6.875%   XXXX Yes 20.000% XXXX XXXX $2,948.04 $245.67 $0.00 $0.00 $0.00 $4,965.71   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.128 1.128   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/31/2026 07/31/2026       764                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 0.0 XXXX 22.3 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Suburban No  
XXXX 2215395 XXXX XXXX XXXX XXXX No XXXX XXXX 08/04/2026 16 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     7.125%   XXXX Yes 20.000% XXXX XXXX $1,509.00 $125.75 $0.00 $0.00 $0.00 $2,271.36   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%     Stocks/Bonds   0           0 No     0 0       0   Yes 1.277 1.277   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 07/20/2026 07/20/2026       758                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No Unknown N/A XXXX 18.4 XXXX 32.8 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Urban No  
XXXX 2215391 XXXX XXXX XXXX XXXX No XXXX XXXX 08/04/2026 16 XXXX ATR/QM: Exempt No No No N/A N/A       Manual Underwriting   No     6.750%   XXXX Yes 20.000% XXXX XXXX $1,461.00 $121.75 $0.00 $0.00 $0.00 $1,707.51   N/A     $0.00     0.00% 0.00% 0.00% Yes               Unknown           Debt Service Coverage Ratio           0             0 0     No No 0 No No   0 0 No       0.00%         0           0 No     0 0       0   Yes 1.288 1.288   Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified XXXX XXXX XX XXXX XXXX 05/28/2026 05/28/2026       729                 No                                       NA     0       0     0     0   0 0 0 0         0 0 0 Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 0.0 XXXX 34.4 No 75.0 N/A No No Yes Member on Behalf of Entity N/A N/A N/A         No XXXX XXXX Urban No  
XXXX 2216585 XXXX XXXX XXXX XXXX No XXXX XXXX 10/24/2025 1 XXXX QM: Safe Harbor APOR (APOR SH) Yes No No N/A N/A 7877.4 09/07/2026 6.780% Manual Underwriting   No 7.799%   7.750% 7.750% XXXX No   XXXX XXXX $4,305.00 $358.75 $0.00 $0.00 $0.00 $5,355.31 $18,939.59 N/A     $0.00     0.00% 36.14% 36.14% No               Self-Employed           12 Month Bank Statement 0   NA   N/A 0     0 0     0 0 NA   No No 0 No Yes Yes 0 12 No       100.00% 50.00%     N/A 0 N/A       NA 0 No   NA 0 0 N/A     0   No 0     Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2026, 2025 Borrower - 2026, 2025 XXXX XXXX XX XXXX XXXX 08/10/2026 08/10/2026       708                 No                                       NA     0       0     0     0                         Unknown No             No No US Citizen US Citizen N/A       XXXX       N/A                                                                                   Fee Simple   No No N/A XXXX 32.8 XXXX 32.8 No 80.0 N/A No No No Borrower As Individual N/A N/A N/A         No XXXX XXXX Suburban No