Velocity Commercial Capital Loan Trust 2026-5 ABS-15G

Exhibit 99.06

 

Loan Level Exception - Final Grades (Loan Grades)

Run Date - 10/27/2026 12:38:21 PM                                                                                

                                                  FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
AMC Loan ID Customer Loan ID Investor Loan Number Edgar Loan ID Borrower Name Deal Number Original Loan Amount State Note Date Purpose Overall Grade Credit Grade Credit Exceptions Credit Exception Information Credit Exception Comments Property Grade Property Exceptions Property Exception Information Property Exception Comments Compliance Grade Compliance Exceptions Compliance Exception Information Compliance Exception Comments Compliance Comp Factors Compensating Factors DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100185           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100186           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100187           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100288           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100190           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100296           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100194           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100195           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100279           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100280           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100197           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100327           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100199           Purchase 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100290           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100303           Purchase 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100307           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100200           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100283           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100203           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100306           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100206           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100207           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100304           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100300           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100286           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100291           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100302           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100325           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100209           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100299           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100321           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100212           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100213           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100214           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100318           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100311           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100216           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100217           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100218           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100219           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100223           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100225           Purchase 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100315           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100227           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100228           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100229           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100230           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100298           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100309           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100322           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100292           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100313           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100314           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100284           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100294           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100305           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100320           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100297           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100282           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100232           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100233           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100234           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100319           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100235           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100326           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100289           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100281           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100237           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100328           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100308           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100317           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100240           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100242           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100244           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100310           Purchase 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100323           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100329           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100316           Refinance Cash-out - Other 3 3 [3] Credit Documentation - Primary occupancy is not allowed. Lease in file has the guarantor renting property to someone with the same last name for an amount = 10% of the estimated market rent amount. BUYER - OPEN - UNABLE TO CLEAR COMMENT (2026-10-22): The guarantor is renting the property to a family member; however, the loan is made to an entity where the sole member is the guarantor. The borrower signed all of the necessary business purpose documents and indicated that they live in another property that they own.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2026-10-27): Per the client, the borrower received a significant cash-out and the market rent is enough to cover the payment in the event that the property is leased to another tenant. was further comforted by the low LTV.		 1       1           C C C C C N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A C C C C C
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100246           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100312           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100248           Purchase 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100295           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100249           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100250           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100251           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100252           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100253           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100254           Purchase 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100256           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100257           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100287           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100301           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100285           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100293           Refinance Cash-out - Other 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A
XXXXXXXXX XXXXXXXXX   VCC-2026-5-100324           Refinance Rate/Term 1 1       1       1           A A A A A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A A A A A A