EFMT 2026-NQM12 ABS-15G

 

Exhibit 99.09 - Schedule 5

 

ALT Loan ID 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 Primary Appraisal Occupancy
2215387 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 89.24 1.12 1.121 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.4 1 1 N/A 244.13 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Vacant
2215401 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 83.86 1.192 1.192 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.0 1 1 N/A 3.61 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Owner
2215384 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No 52.51 1.904 1.905 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 2.6 1 1 N/A 33.65 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2207154 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 97.17 1.029 1.029 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.8 1 1 N/A 24.2 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2202084 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 68.17 1.467 1.467 $X,XXX.XX                                             N/A         $X,XXX.XX               No 20.9 1 1 N/A 93.78 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2202056 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No 78.72 1.27 1.27 $X,XXX.XX                                             N/A         $X,XXX.XX               No 1.2 1 1 N/A 121.15 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2201986 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 73.87 1.354 1.354 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.2 1 1 N/A 82.23 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Vacant
2201964 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 124.75 1.094 0.802 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 1.1 1 1 N/A 87.61 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX Individual Guarantor XXXXX XXXXX                             Yes 2 Full Recourse XXXX Vacant
2202048 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 83.14 1.203 1.203 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.8 1 1 N/A 1.48 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Owner
2202063 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 84.44 1.184 1.184 $X,XXX.XX                                             N/A         $X,XXX.XX               No 1.8 1 1 Foreign Credit Report 120.11 Yes XXXXX Corporation Individual Guarantor XXXXX XXXXX Individual Guarantor XXXXX XXXXX                             Yes 2 Full Recourse XXXX Vacant
2202011 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 66.58 1.502 1.502 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 1 $X,XXX.XX XX/XX/XXXX 1 $X,XXX.XX XX/XX/XXXX 1                           Yes $X,XXX.XX       $X,XXX.XX             No No 4.5 1 1 N/A 21.14 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2207153 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 60.8 1.645 1.645 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 1.0 1 1 N/A 27.62 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2201991 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 64.64 1.547 1.547 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.0 1 1 N/A 19.39 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Owner
2201976 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 119.74 0.835 0.835 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.4 1 1 N/A 78.77 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2202019 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 117.36 0.854 0.852 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.2 1 1 N/A 0 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Vacant
2201990 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 94.63 1.057 1.057 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 1.5 1 1 N/A 95.48 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2202068 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 99.36 1.01 1.006 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 14.0 1 1 N/A 60.98 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2201996 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 91.57 1.092 1.092 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 0.3 1 1 N/A 13.17 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Vacant
2201975 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Appraisal - 1025 No 92.47 1.081 1.081 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.7 1 1 N/A 0 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2202036 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 83.97 1.191 1.191 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 6.9 1 1 N/A 109.59 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2202065 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 63.36 1.578 1.578 $X,XXX.XX                                             N/A         $X,XXX.XX               No 1.2 1 1 N/A 8.98 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2202080 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 92.08 1.085 1.086 $X,XXX.XX                                             N/A         $X,XXX.XX               No 25.9 1 1 N/A 39.99 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Tenant
2202073 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 93.54 1.069 1.069 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.8 1 1 N/A 56.18 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Vacant
2201977 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present Subject Owner Occupied/Vacant $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 84.63 1.146 1.182 $X,XXX.XX                                             N/A         $X,XXX.XX               No 0.0 1 1 N/A 16.71 No     Vested Individual XXXXX XXXXX Vested Individual XXXXX XXXXX                             N/A 0 N/A   Vacant
2202003 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 108.57 0.921 0.921 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 6.9 1 1 N/A 86.24 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Vacant
2213776 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 98.59 1.014 1.014 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       N/A         $X,XXX.XX             No No 1.5 1 1 N/A 28.08 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2204819 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 83.13 1.14 1.203 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 7.0 1 1 N/A 123.66 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2204827 XXXX   XXXX XXXXX DSCR Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 72.61 1.377 1.377 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       N/A         $X,XXX.XX             No No 0.0 1 1 N/A 45.93 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Owner
2202000 XXXX   XXXX XXXXX Accelerator DSCR 30 Yr Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 70.87 1.411 1.411 $X,XXX.XX                                             Yes $X,XXX.XX       $X,XXX.XX               No 1.0 1 1 N/A 98.26 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Vacant
2201656 XXXX   XXXX XXXXX FMC 18 Foreign National 30 Year Fixed I/O Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 99.99 1 1.0 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 3.8 1 1 N/A 113.95 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2201659 XXXX   XXXX XXXXX FMC 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present No $X,XXX.XX $X,XXX.XX Appraisal - 1025         $X,XXX.XX Actual In Place Rent No 89.01 1.123 1.123 $X,XXX.XX $X,XXX.XX                                           Yes $X,XXX.XX       $X,XXX.XX               No 5.0 9 1 N/A 9.1 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2211713 XXXX   XXXX XXXXX FMC 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 96.15 1.04 1.04 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 0.0 1 1 N/A 10.13 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2204737 XXXX   XXXX XXXXX FMC 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 91.22 1.096 1.096 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 11.8 1 1 N/A 80.56 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2207104 XXXX   XXXX XXXXX FMC 18 Investor DSCR 30 Year Fixed I/O Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Actual In Place Rent No 99.95 1.0 1.001 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 60                                       Yes $X,XXX.XX       $X,XXX.XX             No No 3.8 1 1 N/A 8.12 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant
2211714 XXXX   XXXX XXXXX FMC 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 86.69 1.154 1.154 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 1.0 1 1 N/A 61.26 Yes XXXXX Limited Liability Corporation (LLC) Individual Guarantor XXXXX XXXXX                                   Yes 1 Full Recourse XXXX Tenant
2207108 XXXX   XXXX XXXXX FMC 18 Investor DSCR 30 Year Fixed Debt Service Coverage Ratio Present Yes $X,XXX.XX $X,XXX.XX Appraisal - 1007         $X,XXX.XX Appraisal - 1007 No 98.63 1.005 1.014 $X,XXX.XX $X,XXX.XX XX/XX/XXXX 12                                       Yes $X,XXX.XX       $X,XXX.XX             No No 9.8 1 1 N/A 34.05 No     Vested Individual XXXXX XXXXX                                   N/A 0 N/A   Tenant