Exhibit 99.05 - Schedule 2
| Conditions Report 2.0 | |||
| Loans in Report: | 41 | ||
| Loans with Conditions: | 12 | ||
| Loan Number | Original Principal Balance | State | Initial Lender ATR/QM Status | Loan Level ATR/QM Status | Initial Securitization Overall Loan Grade | Final Securitization Overall Loan Grade | Initial Securitization Credit Loan Grade | Final Securitization Credit Loan Grade | Initial Securitization Property Valuations Loan Grade | Final Securitization Property Valuations Loan Grade | Initial Securitization Compliance Loan Grade | Final Securitization Compliance Loan Grade | Initial S&P Overall Loan Grade | Final S&P Overall Loan Grade | Initial S&P Credit Loan Grade | Final S&P Credit Loan Grade | Initial S&P Property Valuations Loan Grade | Final S&P Property Valuations Loan Grade | Initial S&P Compliance Loan Grade | Final S&P Compliance Loan Grade | Condition Category | Condition Sub Category | Condition Status | Initial Securitization Condition Grade | Final Securitization Condition Grade | Initial S&P Condition Grade | Final S&P Condition Grade | Condition Code | Condition Description | Condition Material Indicator | Initial Comments | Client/Seller Response Comments | Conclusion Comments | TRID Error Type | Cure Method | Compensating Factors | Loan Status |
| 2207019 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 317 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 696 mid score > min required of 680. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 10 years at primary residence CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $252,589.21 / 137.99 months PITI > min required of $5,491.47 / 3months PITI. |
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| 2176997 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 730 is above the required 700. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 9 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves= $244.13, 0.12 months. 0 months required. |
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| 2215381 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | XXXXX | Missing or incomplete documentation related to citizenship/residency | No | Missing borrower's Residency Status on the 1003. | 8-27-26 Client replied: Upload is completed 1003 | 8-27-26 Clayton reviewed 1003 and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 802 exceeds the minimum of 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash Reserves $296610.79, 124.83 months reserves, 3 months required CFCFS5269: Minimal use of credit - Clayton Comments: 2% revolving credit utilized |
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| 2209721 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 772 mid score > min required of 700. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.97% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has68 months mortgage payment history 0x30. 12 required. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $140,308.97 / 94.48 months PITI > min required of $4,455.27 / 3 months PITI.. |
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| 2064356 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 795 exceeds guideline requirement of 660. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $273,794.07 or 108.48 months PITI reserve exceeds required reserves of ($2,523.85 x 3 = $7,571.55). CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 70 is below guideline requirement max of 75. |
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| 2215394 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 60 months of 0 x 30 exceeds guideline requirement of 12. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 692 exceeds guideline requirement of 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $85,804.53 or 60.37 months PITI reserve exceeds required reserves of ($1,421.31 x 3 = $4,263.93). |
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| 2176991 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 4.15 months of reserves are above the required 0 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 705 FICO score is above the 660 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV is below the 85% max. |
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| 2176992 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of718 is above the required 700 CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 0% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves: $207928.88 or 104.92 months of PITIA. 9 months required. |
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| 2209731 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 699 is above the required 680. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves= $24,485.37, 19.86 months. 3 months required. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 15 years. |
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| 2177020 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves $71062.55, 31.47 months reserves, 3 months required CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 750 exceeds the minimum of 700 CFCFS5269: Minimal use of credit - Clayton Comments: 2% revolving credit utilized |
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| 2209716 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $22,207.40 / 16.98 months PITI > min required of $11,771.55 / 9 months PITI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 700. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 8.0% CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 168 months mortgage payment history 0x30. 12 required. |
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| 2177004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 85 is below the maximum allowable of 90 CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of749 is above the required 680 CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 4% |
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| 2209720 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | XXXXX | LTV Exceeds Guideline Requirement by less than 5% | No | Max LTV is 70% for a property with more than 2 acres. Appraiser shows 4.25 acres and LTV is 73.962%Lender approved exception in file. | 10.14.2026 - Acknowledged, waived by client | 10.14.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 800 FICO score is above the 660 min. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 4 years of current mortgage history. 1 year required. CFCFS2860: Good credit history - Clayton Comments: Over 9 years of credit history with no late payments. |
Complete |
| 2176994 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 99.49 months piti reserves in file. 9 required. CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has been at current residence for 10 years |
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| 2209736 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 730 mid score > min required of 700. CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 18.0% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $257,623.93 / 107.15 months PITI > min required of $7,212.84 / 3 months PITI. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 286 months. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70%; guidelines allow 75%. |
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| 2209714 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXXX | Final HUD-1 is incomplete or illegible | No | Provide Final HUD-1 reflecting correct settlement & disbursement date (year is wrong 2025, should be 2026). | 8-19-26 Client replied: Please see uploaded revised Final Hud-1 with corrected year. | 8-19-26 Clayton reviewed HUD and updated data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 22.32 months of reserves are above the required 3. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 43 months of 0x30 mortgage history per CBR; 12 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 733 FICO score is above the 700 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 73.171% LTV is below the 75% max. |
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| 2215397 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of737 is above the required 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves: $206311.46 or 120.24 months of PITIA. 3 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 8% |
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| 2209708 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence of 13 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves= $60,802.80, 47.51 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 800 is above the required 740. |
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| 2209712 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Insurance | Satisfied | C | A | C | A | XXXXX | Insurance Effective date is greater than the transaction date | No | Loan closed XXX but HOI policy in file started 9/4. | 9-4-26 Client replied: Updated HOI uploaded | 9-4-26 Clayton reviewed HOI and updated data including DSCR: 1.2169 (Rents: $5200/Expenses: $4273.20). Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 FICO score is above the 660 min. CFCFS1737: LTV below guideline requirements - Clayton Comments: 72.857% LTV is below the 80% max CFCFS2860: Good credit history - Clayton Comments: No late payments on credit report in 12 years |
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| 2209715 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Appraisal | Waived | B | B | B | B | XXXXX | Appraisal Deficiency | No | Approved Exception in file to utilize appraisal when 3 other loans for same borrower have the same appraiser. Clayton deems non-material/non-fatal to lending decision as file has AVM to support value and compensating factors: 90.62 months cash reserves/3 required, 20 years at current residence, Credit score 735/700 minimum and 17% credit usage. | 10.14.2026 - Acknowledged, waived by client | 10.14.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at primary residence CFCFS5269: Minimal use of credit - Clayton Comments: Minimal usage of available revolving credit lines @ 17.0% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 735 mid score > min required of 700. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $229,582.23 / 90.62 months PITIA > min required of $7,600.53/ 3 months PITIA.. |
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| 2215382 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 714 is above the required 700. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 70%; guideline allows 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves= $37,315.74, 37.70 months. 9 months required. CFCFS1746: Significant housing expense reduction - Clayton Comments: Monthly payment is decreasing by 27% |
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| 2215402 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 708 FICO score is above the 660 min CFCFS1737: LTV below guideline requirements - Clayton Comments: 65% LTV is below the 75% max CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 117.88 months of reserves are above the required 3. |
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| 2177001 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1737: LTV below guideline requirements - Clayton Comments: 74.62% LTV is below the 75% max. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 117.59 months of reserves are above the required 9. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 782 FICO score is above the 700 min. |
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| 2209730 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.43 is below guideline requirement max of 50. |
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| 2215386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.93%; guideline allows 75%. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves= $258,352.07, 125.71 months. 3 months required. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 742 is above the required 700. |
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| 2215389 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 696 mid-score per 8/6/24 CBR. CFCFS1736: Significant time at current residence - Clayton Comments: 9.3 years living at primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 6.85 months of reserves in file. CFCFS1737: LTV below guideline requirements - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
Client Complete | |||||||||||||||
| 2176998 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 68 MONTHS CREDIT HISTORY EXCEEDS GUIDELINES. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 50+ MONTHS RESERVES EXCEEDS GUIDELINES. CFCFS2860: Good credit history - Clayton Comments: GUARANTOR DEMONSTRATES GOOD CREDIT HISTORY. |
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| 2209717 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower does not have any derogatory debt in the last 24 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close verified cash reserves $15,033.40 = 5.64 months reserves. CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 244 months. |
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| 2177017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves required $1569.29 X 3 = $4707.87. Post close reserves $165,083.12 or 105.19 months PITIA CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage reporting 28 months 0X30 CFCFS2860: Good credit history - Clayton Comments: The borrower has a 10 year credit history with 6 open and active tradelines 0X30 |
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| 2209734 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXXX | Missing Legal Document(s) | No | Missing a signed Personal Guaranty for guarantor, XXX, owning 50% of XXX-XXX.. | 4.30.26 Executed Personal Guaranty by both owners provided.4.30.26 exception satisfied | 4.30.26 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15+ years of home ownership with the current primary residence. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $45,166.01 or 30.27 months of PITI $1,492.24 meeting guideline requirement of 3 months for LTV up to 80% on InvestorX. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Guarantor score 721, 101 points > 620 minimum on InvestorX. |
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| 2141289 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Mortgage reporting history is 28 months 0X30 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves required $3395.17 X 3 = $10,185.51. Post close reserves $37,332.19 or 10.99 months PITI CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: The borrower has a 23 year credit history with 25 open and active tradelines 0X30 |
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| 2176993 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | B | B | XXXXX | Loan fails XXX Minimum Equity requirement | No | Appraised value $XXX - Loan amount $XXX = $26,000.00 equity. Guidelines require $40,000.00. | 10.14.2026 - Acknowledged, waived by client | 10.14.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS2860: Good credit history - Clayton Comments: Guarantor demonstrates good credit history. CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has lived at current residence 10+ years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 7+ months reserves exceeds guidelines. |
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| 2177028 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | Credit/Mtg History | Waived | B | B | B | B | XXXXX | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the mortgage paid to XXX. | 10.14.2026 - Acknowledged, waived by client | 10.14.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 28+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has lived at current residence 3+ years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 119 months credit history exceeds guidelines. |
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| 2177028 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | N/A | N/A | B | B | B | B | A | A | N/A | N/A | Credit | LTV/CLTV | Waived | B | B | B | B | XXXXX | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Property was purchased less than 12 months ago; improvements were not provided. Max LTV is 75%. Compensating factors FICO 792, DSCR 1.0484, 28 months in reserves. | 10.14.2026 - Acknowledged, waived by client | 10.14.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 28+ months reserves exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has lived at current residence 3+ years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 119 months credit history exceeds guidelines. |
Complete |
| 2215392 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXXX | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide the final HUD-1. | May 11th 2026, 10:44:24 amFSS provided. Please clear.5.11.2026-Received the Final HUD1, exception is satisfied. | 5.11.2026-Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 135 months with 0x30 mortgage payment history exceeds guideline required 12 months. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing reserves are $79,251.64 or 8.32 months PITIA.Required reserve are $9,524.66 x 6 month = $57,147.96. CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 7 years, 6 months. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 Credit score exceeds guidelines of 620 for loans under 1% DSCR. |
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| 2209723 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has lived at current residence 2 years. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 253 months credit history exceeds guidelines. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 93.+ months reserves exceed guidelines. |
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| 2209732 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 773 mid score 153 points > min required 620. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower open tradelines >3 reporting >12 months. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower have116 months mortgage payment history 0x30x12. |
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| 2209735 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | XXXXX | Collections, Liens, etc. not paid as required by guidelines | No | Provide payoff for the following collection last reported 1/2026: XXX last reported with a balance of $249.00. | 10.14.2026 - Acknowledged, waived by client | 10.14.2026 - Acknowledged, waived by client | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 300 months credit history exceeds guidelines. CFCFS1736: Significant time at current residence - Clayton Comments: Guarantor has lived at current residence 3+ years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 48 months reserves exceed guidelines. |
Complete |
| 2215383 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: 14 Months Reserves CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 224+ Months reporting on Credit Report CFCFS2860: Good credit history - Clayton Comments: Good Credit History |
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| 2177026 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Legal Documents | Satisfied | D | A | D | A | XXXXX | Estimated HUD-1 in File, Missing Final HUD-1 | No | Estimated HUD-1 in File, Missing Final HUD-1 | 4.28.26 FSS provided. Please clear.4.28.26 exception satisfied | 4.28.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 792 exceeds guideline minimum of 720 for a DSCR cash out refinance at 80% LTV. CFCFS2860: Good credit history - Clayton Comments: Borrower has never been 1X30 with history from 4/16/2011. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $25,290.41, or 9.93 months. 3 months required. |
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| 2209726 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves are $362,242.83, or 177.17 months. 3 months required. CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 75% is below guideline maximum of 805 for a DSCR cash out refinance with a 779 credit score. CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 exceeds guideline minimum of 680 for a DSCR cash out refinance at 75% LTV. |
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| 2209707 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXXX | Missing updated valuation | No | Missing updated valuation, CU score exceeds 2.5 | 8-26-26 Client replied: Please see uploaded CDA | 8-27-26 Clayton reviewed CDA which supports value. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves: $94907.55 or 95.18 months of PITIA. 3 months required. CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 32% CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of736 is above the required 700 |
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