EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.04 - Schedule 6

 

Loan ID Redaction 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 Primary Appraisal Occupancy
XXXX 2177011 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 1150 Appraisal - 1007   N/A     1150 Appraisal - 1007 No 83.53 1.19 1.197 960.54                                             Yes     XXXX   1150               No 0.7 1 1 N/A 90.25 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX Individual Guarantor XXXX XXXX             XXXX XXXX XXXX XXXX         Yes 3 Full Recourse XXXX Tenant
XXXX 2177018 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 1400 2800 Appraisal - 1025   N/A     2800 Appraisal - 1025 No 76.91 1.3 1.3 2153.6 1400 01-02-2027 12 0 04-09-2026 1                                 Yes         2800               No 6.9 1 1 N/A 79.05 No     Vested Individual XXXX XXXX Vested Individual XXXX XXXX                               0     Vacant
XXXX 2177019 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 2800 Appraisal - 1025   N/A     2800 Appraisal - 1025 No 76.69 1.3 1.304 2147.45                                             Yes         2800               No 6.9 2 1 N/A 79.5 No     Vested Individual XXXX XXXX Vested Individual XXXX XXXX                               0     Tenant
XXXX 2176975 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 3550 Appraisal - 1025   N/A     3550 Appraisal - 1025 No 77.08 1.29 1.297 2736.35                                             Yes         3550               No 24.2 1 1 N/A 98.12 No     Vested Individual XXXX XXXX Vested Individual XXXX XXXX                               0     Tenant
XXXX 2177009 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 1500 1300 Appraisal - 1007   N/A     1300 Appraisal - 1007 No 86.31 1.15 1.159 1122.06 1500 02-01-2027 12                                       Yes     XXXX   1300               No 2.9 1 1 N/A 41.55 No     Vested Individual XXXX XXXX                                     0     Tenant
XXXX 2177000 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 2966 Short Term Rent Schedule or Analysis 2372.53 Other 1   2372.53 Other Yes 96.16 1.04 1.04 2281.47                                             Yes     XXXX   2372.53               No 2.6 1 1 N/A 92.75 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX Individual Guarantor XXXX XXXX                             Yes 2 Full Recourse XXXX Tenant
XXXX 2177002 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 3595 3400 Appraisal - 1025   N/A     3400 Appraisal - 1025 No 93.46 1.06 1.07 3177.75 1995 04-30-2027 18 1600 06-30-2026 12                                 Yes     XXXX   3400               No 1.6 1 1 N/A 25.51 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX Individual Guarantor XXXX XXXX                             Yes 2 Full Recourse XXXX Tenant
XXXX 2177006 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 1300 1475 Appraisal - 1025   N/A     1475 Appraisal - 1025 No 88.67 1.12 1.128 1307.84 650 09-30-2026 12 650 06-30-2026 12                                 Yes     XXXX   1475               No 1.0 2 1 N/A 38.85 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2177013 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 3800 Appraisal - 1025   N/A     3800 Appraisal - 1025 No 83.51 1.19 1.197 3173.5                                             Yes     XXXX   3800               No 1.3 1 1 N/A 26.96 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Vacant
XXXX 2176995 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 2000 Appraisal - 1007   N/A     2000 Appraisal - 1007 No 97.1 1.01 1.03 1942.04                                             No         2000               No 5.0 1 1 N/A 21.21 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2177014 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 1500 Appraisal - 1007   N/A     1500 Appraisal - 1007 No 81.5 1.22 1.227 1222.49                                             Yes         1500               No 4.7 1 1 N/A 669.9 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2206757 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 4600 4600 Appraisal - 1025   N/A     4600 Appraisal - 1025 No 73.83 1.35 1.354 3396.21 2300 07-31-2026 12 2300 07-19-2026 12                                 No         4600               No 0.0 12 1 N/A 42.75 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2206765 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 4600 4600 Appraisal - 1025   N/A     4600 Appraisal - 1025 No 74.15 1.29 1.349 3411.06 2300 08-30-2026 12 2300 07-30-2026 12                                 No         4600               No 0.0 12 1 N/A 42.25 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2206756 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 4600 4600 Appraisal - 1025   N/A     4600 Actual In Place Rent No 73.87 1.29 1.354 3397.83 2300 07-31-2026 1 2300 07-31-2026 1                                 No         4600               No 0.0 12 1 N/A 42.73 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2206758 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 4600 4600 Appraisal - 1025   N/A     4600 Appraisal - 1025 No 73.68 1.29 1.357 3389.17 2300 08-30-2026 12 2300 07-31-2026 12                                 No         4600               No 0.0 12 1 N/A 42.84 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2206759 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 4600 4600 Appraisal - 1025   N/A     4600 Appraisal - 1025 No 73.84 1.35 1.354 3396.8 2300 07-31-2026 1 2300 07-31-2026 1                                 No         4600               No 0.0 12 1 N/A 42.74 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2215385 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 6000 6000 Appraisal - 1025   N/A     6000 Appraisal - 1025 No 97.4 1.027 1.027 5843.88 3500 02-19-2026 12 2500 09-18-2026 12                                 No         6000               No 5.2 1 1 N/A 58.37 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2215388 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 6000 5600 Appraisal - 1025   N/A     5600 Appraisal - 1025 No 88.67 1.128 1.128 4965.71 3000 08-21-2027 12 3000 05-31-2027 12                                 No     XXXX   5600               No 0.7 1 1 N/A 22.32 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2215395 XXXX XXXX XXXX Debt Service Coverage Ratio Present Yes 2900 2900 Appraisal - 1025   N/A     2900 Appraisal - 1025 No 78.32 1.277 1.277 2271.36 1400 08-24-2026 1 1500 08-24-2026 1                                 No     XXXX   2900               No 0.2 1 1 N/A 32.77 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Tenant
XXXX 2215391 XXXX XXXX XXXX Debt Service Coverage Ratio Present No 0 2200 Appraisal - 1007   N/A     2200 Appraisal - 1007 No 77.61 1.288 1.288 1707.51                                             No         2200               No 0.2 1 1 N/A 34.39 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX Vacant